Do I need salon insurance? Yes if you are the owner of a salon owner or work from a mobile shop you will need to protect your business by taking out the appropriate level of insurance. We can provide quotes for of the following plus many more service providers : beauticians, hairdressers,, tattoo studio mobile or stationary, makeup artists, masseurs, physiotherapists, piercing/tattoo studio, sports therapists, nail salons, and tanning salons.
Tanning salon Insurance compare the cost of cover with 20 plus specialist Uk insurance brokers in minutes
Beauty therapist insurance is available to protect you business should you operate from a beauty salon or provide a mobile service or indeed work from home.
Nail technician insurance will ensure your are covered for public liability claims and if you employ staff and claims that they should make against your salon or mobile shop
hairdressing involves dealing with strong chemicals and members of the public. Given the combination taking out hairdresser insurance whilst a legal requirement just makes plain sense.
Are you self employed as a massage therapist and need to take out insurance? We can provide you with 20 plus massage therapist insurance quotes from a panel of UK brokers. These brokers deal excusively in massage therapist insurance.
Have you undergone training and are now self employed or working for a beauty salon or other business that needs the skills of a professional makeup artist? Either way make sure that you have taken out the correct level of makeup artist insurance to keep you covered as you practice your profession.
When you have a steady stream of both customers and suppliers coming in and out of your business premises you need to take out cover against claims. The cover will give you peace of mind that your business would not be in danger if an accident results in a legal claim against your salon or studio.
Product Liability Insurance is able to protect your business against any medical and damage claims including legal costs. The industry standard is currently in the region of £5 million. This product can be also be offered as part of a comprehensive package that might include Public and Employer's' Liability Insurance.
As a business owner in the service industry you are liable should any of your customers be harmed directly by one of your products or treatments. You are also liable should an accident such as slipping on a floor that is slippy as a result of an earlier accidental spill. Should that customer decide to claim as a result of the accident the salon or you would be held liable. Given that accidents do happen it is important to ensure you have the correct level of cover to protect your business. Imagine if you are trying out a new product and you misjudged the strength which resulted in a client receiving minor skin burns or a skin irritation reaction. Your customer would have every right to make a claim against you and your business. Costs for personal injury claims can be financially crippling. Protect your salon by having in place an appropriate level of public liability insurance.
Any employees in your service ( paid or unpaid) are also able to make a claim should they have an accident whilst in your salon. Claims for personal injuries can be extremely high and can easily cripple any business. Given that it is a legal requirement to have employee liability insurance it makes sense to take out the appropriate level of cover in your place of business from day of opening your salon.
No modern hairdresser can operate or compete without investing in the both the latest styling technology and latest beauty hair products. Many salons also have a shop front selling these sought after lotions direct to the public. This is where product liability comes into play it protects your valuable salon business should a customer have an adverse reaction to any product. This type of claim is more common than you may think for example hair spray cans explode if not stored correctly. The resulting damage inflicted can be both server and costly in terms of damages as the client can legally make a claim against your salon business.
Any hairdresser operating a business out of a shop, from home or via a mobile service that employs one or more additional staff that can include either full-time or part-time must take out Employers' Liability Insurance. Some exemptions do apply for example if the other party is also part business owner. These exceptions are rare and the safe approach is to take out the appropriate level of insurance.
It is the employer's legal obligation to display in a visible location a certificate of Employers' Liability which clearly states the levels of cover provided.