If you own a hair and beauty business, whether in a salon or mobile based you will need to protect your business for financial security. Owning a beauty salon or babers sho, or operating as a mobile nail technician can all be very profitable businesses.
Having the right cover for the type of business you have and the treatments that you undertake is important. Our beauty policies are specially designed and tailored for the hair and beauty industry with the option to add additional covers should you require.
Below are just some of the covers that you will need to consider when you are looking for Hair and Beauty Insurance.
Public Liability insurance cover is available from £1m to £5m. Should one of your customers or a member of the public be hurt, or their property be damaged, or if a customer sues you if a treatment goes wrong, public liability insurance for hairdressers and beauticians will protect you.
Employers Liability insurance cover is for you if you have one or more employees and then by law, you are required to have employers liability insurance. Employers Liability cover, is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.
Business Contents cover will include your trade contents, stock, customer goods, employees and customer personal effects, fixtures and fittings.
Tools & Equipment cover protects your beautician tools of the trade, should you lose or break them, they can be are expensive to replace. We can also include your business laptop.
Personal Accident cover will help with your financials should you be injured whilst working. The cover will help for a specific period of time that you are unable to work. This policy cover does carry limitations and policy restrictions. This can also be used as an employees benefits package for employment.
Business Money covers your business cash whilst on the premises during working hours. The money has to be kept within a safe whilst on your premises (subject to limits within the Policy).
There are various options available to obtain a quotation and purchase your business insurance from The Insurance Octopus –
- You can compare quotes online from up to 20 UK insurance providers
- Speak to one of our UK Insurance Specialists or request a call back
- Purchasing your business insurance is easy with flexible payment options
- You will receive same day immediate cover and your documents will be sent to via email