salon insurance

Based at home, or mobile?

Direct Line Business From Home insurance includes as standard:

  • Public Liability
     
  • Product liability
     
  • Loss of Income owing to an insured event

Optional Extras:

  • Employers liability
     
  • Business equipment
     
  • Buildings
     

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home/mobile insurance

Own a hairdressing/beauty salon?

Direct Line Shop Insurance includes as standard:

  • Employers liability
     
  • Public Liability
     
  • Product liability
     
  • Business contents
     
  • Stock cover
     
  • Goods in transit
     
  • Loss of Income
     

Optional extras:

  • Buildings cover

  • Personal accident cover

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shop/salon insurance

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Salon Insurance

Salons in the United Kingdom can offer a variety of beauty services including hairdressing, skin care,make-up, nails and massages. People come to salons to be pampered and treated like queens and kings. Salon proprietors do everything they can to make the salon experience totally luxurious. However, if something should go wrong, a salon owner needs insurance protection to cover any claim. Salon business insurance website can be found by searching the Internet. There are many sites that cover businesses, some specific to salon operators, whether they run a home-based business, mobile or outside of the home shop.

Since salon owners deal with the public on a daily basis, having the right insurance cover is imperative to the successful operation of their business. The types of insurances necessary to cover a salon varies, depending on how big the business is, what the salon offers, whether the salon has employees and whether the salon runs its business on and off the shop premises. Some salons will go to a client's home or to a special event to offer hairdressing and makeup services, for example.

The number one priority self-employed salon owners must consider is the care of their clients, the public in general and employees. Without the proper insurance cover, a claim from any of the above could ruin your salon business. These days, it's not uncommon for people to take legal recourse for compensation. Unfortunately salon owners are often the target for claims. For example, if a technician goes to a client's home and accidentally spills wax or dye on a carpet, this is considered the salon's fault as damages occurred to a client's property. Another example could be an employee has a reaction to a chemical used in a mixture and becomes seriously ill. The salon is liable because the employee was working for the salon that caused the illness. If your equipment is lost or stolen, you will also want cover to replace lost, stolen or damaged equipment. Imagine having to replace a laser wand for facial treatments out of pocket without insurance cover. It is unlikely that it could ever be accomplished. The basic coverage that all salon owners need are:

Public Liability Cover

Public Liability Insurance usually covers any financial damages and legal fees as a result of injury, death or damage to a third party or to their property because of your business. For example, a salesman comes to your salon to sell you product, and slips and falls on a rug. You are liable for the injuries that this salesman suffers. Public Liability Insurance will likely cover the damages and the legal fees involved. Another example is an employee goes to a client's home to cut his hair. The scissors the employee is using falls into the hands of a small child who stabs himself in the finger. You are liable for any claims made for injuries and your public liability cover should handle all matters related to the claim. The average amount of cover is usually 2 million.

Employers Liability Insurance

As a salon owner, if you hire one or more employees you must have Employers' Liability Insurance. These employees can be full-time, part-time, contract or freelance. It doesn't matter, because you are obligated to have insurance against the risk of bodily injury or disease or death while they are employed by you.

The only exception to this rule is if the employees are close relatives. It is always advisable to check with your insurance broker if you are hiring relatives. Legally, you are required to carry at least 5 million in cover, but most insurance policies offer 10 million as standard cover. By law, a salon owner must display an Employers' Liability Insurance Certificate where it can clearly be viewed by employees or inspection officials.

Packages

As part of a salon package, some insurance companies will include Public Liability Insurance, Employers' Liability Insurance and Professional Treatment and Product Liability Insurance. Professional Treatment Liability and Product Liability Insurance. The Professional Treatment Liability and Product Liability will likely product you against injury or damage claims due to the treatments you provided or the products you used. You don't necessarily have to be negligent to be held responsible for damages or injuries caused by the procedure or the product you used.
This protects you against claims for injury or damage caused by the treatments you carry out and the products you apply. Even if you have not been negligent, you may still be held liable for damages and injuries suffered as a result of products you use.

Other Standard Cover

Other standard cover available on an "All Risks" basis includes damage to your building and cover whilst attending exhibitions. This excludes theft unless it involves violent and forcible entry or exit to or from the exhibition premises. Cover for income loss and equipment breakdown, protection against fire including arson and electrical failures, as well as flood or water damage and stock and equipment damage or loss while in transit are also important considerations.

Special Considerations

Some salon owners rent out chairs in their salons. The renter is considered a self employed hairdresser and usually pays a weekly or monthly rental fee to the owner for use of the salon. In this case, not only is the salon owner liable in the event or injury or damages to property, the party renting is also responsible and should have hairdressers insurance. Since the renting party is not considered an official employee, he is likely not covered under the owner's liability coverage. Therefore, the renting party must have their own Public Liability Insurance in the event an injury, illness, disease or damage is incurred by a third party or to a third party's property. Likewise, it is the responsibility of the salon owner to make it very clear to the chair renter, that as the owner they are not responsible for theft or third party cover. In cases like these, it's best to discuss your situation with an insurance broker or go online and research "salon chair rental insurance".

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Remember that every insurance policy is different. ALWAYS read the policy carefully to make sure that it has the right cover for you!

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