If you own the property where your salon is based we can protect your building against fire, flood, theft and other perils. If you lease or rent the property, that’s no problem either, we will make sure that any improvements and refurbishments you have completed are covered for you. Business contents, stock and aftercare products can also be covered, along with money, signage and your shop front. We can also add business interruption insurance, which covers fixed costs and loss of profits following a claim.
Chances are you will employ staff, in which case you are legally required to purchase employers liability insurance, covering compensation claims by current or former employees as a result of injuries sustained through their employment.
Based on core public liability insurance, it also includes cover against claims for treatment risk as standard, which includes claims for use of hair products and dyes.
Public liability insurance for a hair salon offers protection for claims and expenses from members of the public as a result of the actions of you or a member of your staff - for example, a client slips on a wet floor and breaks their arm.
Hair Treatment Risk Cover provides protection against compensation claims for injury or illness as a result of a hair treatment or application you have applied. As a professional hair studio you have a duty of care to provide safe treatment to your clients. However, accidents can happen. This is why treatment risk cover is essential for hairdressing professionals.
Products Liability Insurance is included within our Salon Policy. This is particularly useful if you sell hair products or accessories. Should someone suffer injury as a result of using the product you have supplied them, they could seek financial compensation from you. This is where products liability will indemnify you.
Most people assume that Treatment Risk would represent the highest risk in a salon or hair salon or hair studio. However, the most common form of claim is actually as a result of escape of water. The sheer number of sinks and wash basins in a salon increases the chances of leaks and burst pips and if this happens overnight the cost of the claim can be significant. With this in mind, it makes sense to have your heating and water system checked and serviced on a regular basis.
9 Albany Park, Cabot Lane, Poole Dorset BH17 7BX
t. +44(0)1202 647 400
© Insync Insurance Solutions Ltd 2016 all rights reserved. Salonsafe is a trading style of Insync Insurance Solutions Ltd which is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is Midland House, 2 Poole Road, Bournemouth, Dorset, BH2 5QY and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk