It is common knowledge, in the industry, that you need to have suitable salon insurance, including liability cover. You can have as many disclaimers as you want on the walls and members of the public can sign documents devolving liability. But, if you are negligent, you will face a claim.
Negligence is quite strict, in that the onus on you is to disprove it, rather than someone making a claim having to prove it.
So what happens when you are face with a claim for injury from an employee? All standard business insurance policies will include certain sections of cover, usually liability cover is available.
One of these types, is employers liability insurance. Whilst we have said that negligence is up to you to disprove, EL cover is even stricter. The government does not want to have to face a welfare bill for people injured at work. For this reason, they enforce cover for employees, and boy is it strict.
You have to be extremely lucky to be faced with a claim that you can repudiate, when it has been proven that you are negligent. If you don’t have a policy, or don’t have this within your existing cover and you do have employees, then you really are taking a huge risk.