Hairdressing and beauty salon insurance
Who it’s for
We have a range of policies, from various commercial insurance companies that offer hairdressing and salon insurance , whether you undertake hairdressing only, or you offer a range of beauty treatements as well. Our salon policies are also OK for 100% beauty salons.
Most insurers offer policies based on their standard shop insurance packae, with certain changes to make them suitable for salons, barbers and all types of hairdressing establishments.
We can also provide quotes and cover for all types of beauty treatments.
Why it’s important - examples
Unfortunately, in 2011 the UK are becoming ever more litigious. It is much easier than ever to be able to make a claim against a business. In many cases the claims are completely spurious and without merit, but you still need to be able to fend off, or defend yourself from these types of claims.
We have also seen increased levels of theft and break-in’s after the longest period of recession fro 60 years. In addition, if your salon is on a traditional high street, it is increasingly likely that you will suffer a smashed or cracked window, in particular over the weekend.
Whilst there is no legal requirement to have a salon insurance policy, for the sake of a few hundred pounds every year, the peace of mind a policy can bring far outweighs the cost.
Think back to the last two winters and imagine what your business would have had to pay out for a burst pipe. One single burst pipe, even a minor leak, can wreak havoc and close your business for weeks.
How businessinsure can help
We are experts in hair and beauty salon insurance. We can’t say this without good reason. We have been serving salon insurance customers for many years. We know the market, and the right business insurers to approach.
We know and understand the risks you and your business face and know which are the most suitable and cost effective policies to purchase.
We can quote, and provide cover, for commercial insurance policies for all types of salon.
Whatever you are doing, give us a call to see not only what we can offer, but how much we can save you.
More information
If your business falls into any of the following categories, we can help find the right business insurance policy for you, price and cover wise!
Hairdressers
Salons
Rent a chair liability insurance only
Beauty salon insurance (inlcuding ear piercing, spray tans and most beauty treatments)
Barbers insurance and
All other types of ladies and gents hairdressing businesses.
Sorry, we cannot cover tattoo parlours or beauty salons with heavily invasive, almost surgical, treatments. There are some insurers that provide these covers, we have made a choice not to have access to these markets though.
We can provide public liability insurance for sunbed and tanning salons. If you are a 100% sunbed centre, call us to discuss the cover available.
The following summarises the cover available on a UK insurers hairdressers insurance or salon insurance package policy.
All insurers have different policies, although the basic covers are very much the sames. The differences that exist between the policies are normally the levels of excess, certain terms, conditions, warranties and the additional covers offered. For example, certain insurers include commercial legal expenses insurance as standard in their package.
For all types of hairdressing and salon insurance, the important covers you need are similar to any other type of commercial insurance for a retail shop.
Businessinsure, as an independent business insurance broker, will provide you with a quote, based on information declared by you, to us, usually over the phone.
Once you have provided us with the required information, we then look for insurance quotes, based on your demands and needs. This a formal term which is our opinion of what you need and/or must have, to adequately protect your business (from an insurance point of view) in the event of a loss.
No policy will ever provide you with cover for every eventuality. Insurance is only designed to cover the unexpected events, this is where you need to disucss your requirements with a broker. Do not be tempted to use one of the websites that offer to compare business insurance, on many of these you do not have the option of speaking to someone to get advice. Independent advice can be vital.
Quoteline: 08456 024 589 (local call rates apply)