Insuring your hair and beauty business
Whether you’re an individual hair stylist, a beautician, you run a single salon or you manage a chain of businesses, you’re always dealing with a wide range of people, often with products and chemicals that help you to achieve amazing results. But sometimes things go wrong. With business insurance for hair and beauty professionals you’ll be covered for those unexpected times, protecting you against the cost of defending or settling a claim.
Why you need business insurance for hair and beauty businesses
A costly trip
Portable hair and salon equipment means lots of cables and a lot of devices that stay hot for a while. If a client trips and falls they could be injured and they may even come away with minor burns. A trip to the salon is meant to be a treat, but if it ends with an injury you could face a claim for compensation. Public liability insurance covers the cost of defending the claim and any settlement, allowing you to get on with running your business.
A chemical reaction
Despite testing a small area of skin with a hair product a client could still suffer an unexpected reaction. If it means they need to take time off work or get medical attention, they’re likely to blame you and they could take legal action. Professional treatment liability insurance covers the costs of defending yourself and your business. It’s another way that tailored business insurance policy for hair and beauty professionals can help.
Stolen business computer
Your computer may not spring to mind as a key piece of equipment, but you use it a lot for bookings, payments and accounts. If it’s damaged it can play havoc with your diary and you may not be able to access your accounting and payments systems. Portable equipment insurance covers you for the repair or replacement of the computer, so you can keep your appointments and your good name.
If you’re not sure what you need, tell us a little more about your hair and beauty business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for hair and beauty businesses
Public liability insurance
Public liability insurance protects you if a member of the public claims they’ve been injured or their property was damaged because of your products or services, or because of something you or an employee did. Whether it’s a reaction to a product or a physical incident, it covers the costs of compensation and the legal expenses of the claims process. It ensures peace of mind at all times and for all eventualities. Both public liability and product liability cover will help you with the costs of compensation and the legal expenses of the claims process.
Professional treatment liability insurance
Professional treatment liability insurance protects you against the risks of physical and mental injury that could arise from work carried out by you or by an employee at your hair and beauty business. Whether it’s an allergic reaction to a product you used, burns or scalding, or a mistake by you or an employee, you’re covered for the costs of defending a claim and any settlement. It ensures your business is covered for the unexpected.
Portable equipment insurance
You rely on your laptop and smartphone for clients to contact you or to use payment and accounting systems to invoice them. But what if they’re damaged or stolen? Whether they’re owned or hired they can be covered for replacement or repair with portable equipment insurance cover as part of your business insurance for hair and beauty businesses. It means you can get on with running your business without worrying about what might happen.
These are just some of the types of business insurance for hair and beauty businesses that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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