There are many great things about British businesses. One of the many, is that they are prepared to adapt and change as time marches on. But, as businesses change the services and products they offer, they need to ensure that their business insurance continues to provide adequate protection.
There is not a shop in the land that decides to sell a certain range of products and then sticks to that range over the years. They will do all they can to understand exactly what Joe Public want and to amend and alter the items they sell. Look up and down every single high street in the land and you will see certain types of shops. One of these is the good old fashioned hairdressers.
But, how many hairdressers do you know that have remained unchanged? There are of course a few that steadfastly stick to just offering the same service to the same clientele, but even they will adapt the style of the cut. Mullets and male perms are no longer the order of the day, so they change what they offer.
Other hairdressers, mainly ladies, will expand their service range and bring in a direct beauty employee or even sub-contract this and rent out a beauty room to a third party. This is something though that has a direct affect on the salon insurance cover that you may already have in place.
As the range of treatments gets ever wider, the number of claims for these different treatments grows. The big issue for the insurers is the invasive treatments or if you have sunbeds. General beauty, such as make up, nails or massage is fine. As soon as you branch into more elaborate treatments you need to notify your insurers of this.
The chances are that most insurers are more than happy to extend your public liability insurance to pick up additional activities, in return for a small increase in the annual premium. But, the key is that you must tell them. The last things you want for your shiny new salon is to face a claim for a many thousands of pounds from a customer who alleges that you have injured them. It is, of course, much better and preferable for you to have cover in place to support you in the event of such a claim.
The good thing about the cover is that even it is a spurious claim that has no chance of being settled, the insurers will still deal with this and notify the third party that there is no valid claim.