What is salon insurance?
It likely that you opened a salon because you had a passion, whether that be for hair, beauty or spa treatments.
A salon – whether hairdressing or beauty – is not just your livelihood, but also your personal vision with your reputation behind it. To start up your own salon you will have put in a lot of hard work, long hours and savings.
A staff member leaving a tap on, a fire or a burst pipe could put an end to your business by putting your salon at risk. Salon insurance is essential to protect your livelihood, so you should make sure you have the right protection in place in case the worst was to happen.
Why do I need salon insurance?
Also known as hair and beauty insurance, salon insurance protects you by providing cover for any injuries, mishaps or damage that happen in your salon.
There are many accidents that can occur in salons due to the nature of the treatments and you should make sure that your business is protected if something happens.
What does a salon insurance policy cover?
Commonplace accidents in salons include:
- A fire due to a candle catching fire in a treatment room
- Allergic reactions after hair colouring or eyebrow or eyelash tinting
- An employee reacts with a skin condition caused by working in your salon
Salon insurance applies to beauty salons, nail bars, hair salons and barbers and can cover the following:
- Hair and beauty treatments liability
- Public liability
- Product liability
- Employer’s liability
- Business stock
- Personal accident for hands
- Business interruption
- Legal expenses
- Theft of takings
- Glass cover
- Failure of electric, gas and water supply
A salon insurance policy can also provide cover for mobile hairdressers, barbers and beauticians.