Do I need Insurance for my Hair & Beauty Business?

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Do I need Insurance for my Hair & Beauty Business?

If you own a hair and beauty business, wether in a salon or mobile based you will need to protect your business for financial security.  Owning a Hair Salon, Beauty Bar or Barbers Shop, or operating as a mobile nail technician can all be very profitable businesses.

Ensuring you have the right cover for your business and the treatments that you undertake is important.  Our policies are tailored to your needs within the hair and beauty industry, with the option to add additional covers should you require.

Below are just some of the covers that you will want to consider when you are looking for Hair and Beauty Insurance.

Public Liability - cover is available for £1M to £5M. If a customer sues you if a treatment goes wrong or should one of your customers or a member of the public be hurt, or their property be damaged. Public liability insurance for hairdressers and beauticians will protect you.

Employers Liability – cover is a standard £10M and will protect you as the employer against claims from your staff should they be hurt when working for you. If you have students or employees and then by law, you are required to have employer’s liability insurance.

Business Contents – You can include your trade contents, customer goods, employees and customer personal effects, fixtures and fittings.

Tools & Equipment - Protect your tools of the trade, should you lose or break them, they can be are expensive to replace. We can also include item’s like your business laptop.

Stock - If you’re storing stock on your business premises, it’s just as vulnerable to theft and damage as any other item. If losing it would cause serious damage to your business, ensure you have it covered within your policy.

Business Money - covers your business cash whilst on the premises during working hours, also in transit to the bank, cover is subject to limits within the Policy.

Optional Cover – Treatment Liability

This optional cover insures you for any illness or injury caused to your customers by a treatment that you’ve insured with us.

Whether you run a hair, nail or beauty salon (or a combination of the three), our Treatments Liability cover can include specific treatments based on what you do.

Here are just some of the treatments you can get cover for:
• Hairdressing
• Make-up
• Facials
• Waxing
• Pedicure and manicure
• Nail building
• Nail treatment and nail extensions
• Shaping and plucking of eyebrows
• Eyebrow and eyelash tinting
• Eyelash extensions