Why do you need insurance?
Insurance protects you, your property, and those you come into contact with (either employees or customers). For salon owners, risks could include someone having an adverse reaction to a product, slipping on a wet floor or sustaining skin damage during a procedure. At a minimum, you should consider getting:
Employer’s Liability – covers you if an employee is injured, becomes ill or dies while employed by you and your company. It also covers you if an employee looks for expenses or damages following an incident.
Public Liability – covers a business should a customer or member of the public become injured, ill or die as a result of an incident connected to that business.
Products Liability Insurance – covers you against claims for bodily injury, illness or death suffered by a third party as a result of a product you have sold, supplied or installed.
What is included?
The main concerns in the beauty industry are premises cover, Employer’s Liability, Public Liability and – above all – Treatment risk. Check what standard treatments are included, and inform your insurance provider if you are providing unusual or bespoke treatments. These may include:
- Laser Hair removal
- Teeth Whitening
- Deep Tissue Massage
- Brazilian Bikini Wax
- Hair Extensions
- Colour Specialists
- Semi Permanent Hair Treatments
Many providers in this industry work some hours outside of the regular 9-5, so a policy that covers you 24/7 is essential.
Who can help?
Britton Insurance prides itself as a knowledgeable salon insurance provider. Our commercial department is dedicated to providing you with a bespoke quotation matched to your requirements. Brokers are not tied to any one insurer, which gives you the freedom to style your insurance to meet your needs. If you want to spread the cost, look for an insurance provider that has credit facilities available or lets you pay in installments over the year. You can create a policy that protects your business, employees, premises, or any valuable equipment and contents you may have. A broker will find you a policy that works with you.