Specially tailored policies for the hair and beauty industry 

Accidents happen and whilst you’re running your salon, if someone is injured or if their property is damaged following a treatment, they would be able to claim compensation from you.

Whether you work from home, on your client’s premises or from a hired room providing treatment, our specially produced packages are tailored to meet your needs protecting you, your employees and your business.

Our packages give you the option to extend and remove treatments at any time during the lifetime of your policy.

Specially tailored policies for the hair and beauty industry, including the following.

• Beauticians and Beauty Salons
• Hair and Beauty Consultants
• Hairdressers
• Barbers
• Manicurists and Pedicurists
• Nail Bars
• Nail Technicians

Salon Insurance key features

 

 Standard – increase cover limits

Optional – extend your cover

Public Liability

For injury to the public or damage to their property 

Products Liability

Covers you in the event your products causes injury or damage to a person or their property

Employers Liability

Will help you pay compensation if an employee is injured or becomes ill because of the work they do for you on and off site e.g. your assistant gets an electric shock from a poorly wired hair straightener

Business Interruption

Covers you for loss of profits following an insured loss

Salon Contents

Covers your salon contents and stock up to an amount specified by you

Tools and Cover Equipment

Protects your tools, should they be lost, stolen or broken

Salon Premises/Buildings

Covers the property itself, such as the roof and slates, fixtures and fittings and any outbuildings should you need to rebuild it

Treatment Risk Cover

Is an extension to public liability insurance and covers you in the event one of your treatments causes an injury to a client

Frequently Asked Questions

You can find the answers to our most frequently asked questions below.

When should I apply for insurance for new business?

We are able to quote for new business insurance policies up to 30 days before the renewal date. If you’re not ready to renew yet, please email us with your renewal or cover start date and submit the details to [email protected] You can also submit your query here. We will contact you closer to your renewal date.

Isn’t this cover under my public liability insurance?

Treatment risks cover is an extension to your public liability insurance and covers you in the event a treatment causes injury to a client.

The standard public liability insurance covers you against claims for injury or damage made to the public as a result of your business activities. For example, a customer or a member of the public trips over some boxes of stock that you or your employee left in an aisle.

Please check with us to see if your cover extends accordingly as wordings differ with different insurers.

What type of Treatments can be covered?

Different insurers have different varying definitions of treatment cover within their wordings that are deemed acceptable. The key is to answer all questions fully and disclose all relevant facts concerning the business when you’re taking out the policy.

If I find a lower quote would you be able match or even better it?

If you already have obtained a quote elsewhere, please contact us with your quote request. Please have your current target premium to hand in order for us to provide you with a competitive quote. We will then approach underwriters on your behalf.

What is the policy duration?

The policy has a 12 month period of insurance (unless shown differently on your policy schedule) and is renewable every year.

Am I covered instantly?

Once you have submitted your proposal form and having conducted a fair analysis of the market from our panel of insurers we will seek to obtain the most appropriate terms on your behalf.

Once we have confirmed that you are covered and your policy is live you are insured from that point onwards. We then issue you with your policy documentation and our information sheets as downloadable PDF’s. Unless requested, we don’t send out any paper documents, but you are able to print everything as backup to refer back to in the future.

Can I spread the cost of my policy?

Yes, there is an option of making your annual premiums/fees affordable by spreading the payment over monthly instalments. To find out more about this option please contact us

How do I cancel my policy?

If you decide to cancel your policy, just let us know.

You’ll receive a full refund if you cancel your cover within 14 days of setting it up (the ‘cooling-off’ period).

After this period, you may cancel your policy by giving us 30 days written notice of your intention to do so. The insurer may cancel your policy by giving us written notice; the duration of which will be detailed in the policy wording.

Beyond the 14 day cooling off period, cancellation terms may differ between insurers. Some insurers may be willing to return a pro-rata premium of up to 3 or 6 months after inception of the policy. However, after this period no refunds will be given. Any refunds may take up to 60 days to process.