Many Hair Salons these days provide a number of associated beauty treatments for their customers which can quite literally be a ‘top to toe’ beauty experience – from hair extensions, nails, tanning to beauty therapy and other associated therapies. Providing your customers with a range of treatments will certainly widen your appeal but also give your Hair Salon business further insurance questions, especially when it comes to Treatment Liability and or Professional Indemnity Insurance.
Obviously the more you offer your customers the more specialised equipment and trained staff you will require on your premises and this will need to be reflected in the salon insurance. Not forgetting your stock, premises and Public Liability cover to protect your customers.
With the wide variety of treatments possible, it’s always best to check with your insurer exactly what they can and cannot accept. At Be Wiser, our friendly advisors access a panel of insurers that provide specialist policies for all types of hair and beauty salons. Simply let us know what treatments that you provide and we will speak with the insurers on your behalf to make sure that you have the right insurance in place.
Treatment Liability is an extension of the Public Liability part of your insurance policy. Whilst Public Liability will insure you against the costs of defending an allegation of negligence resulting from the running of your business an allegation that a specific treatment has caused injury will only be insured if the policy includes Treatment Liability.
Most insurers that provide a specialist policy for Hair Salons will include this cover automatically, but it is always worth checking. Also check that the limit of indemnity provided is equivalent to your main Public and Products Liability insurance cover and not a lower limit.
Yes we can! Whether you are working as a mobile hairdresser visiting customers in their home, in a hair salon or you are thinking about ‘renting a chair’ in someone else’s salon, we can search the market for a competitive business insurance quote that is right for you.
As a mobile hairdresser visiting clients, it’s also important to ensure that your car or van insurance has been extended to include business use. We can arrange vehicle insurance quotations too.