Do I need insurance for my salon? Legally you will be required to have a minimum of employee's liability of at least 5 million, although most policies offer 10 million, that is if you employ staff. For more information on your legal obligation please review the insurance for small business guide provided by the AIB.
Obviously it would be only good business practice to take out additional insurance that will protect your salon business. The 4 main areas that should be considered include:
Salon insurance is normally bought as a small business insurance package that includes the key elements that are specific to your trade and individual requirements. The cost and type of insurance that you will require will be based on a number of factors that include:
Own a Tanning salon? Compare the cost with multiple specialist UK brokers. How? Select Compare Now and complete one simple online form.
Nail technician insurance will ensure you are protected for public liability claims. These type of claims are not uncommon and originate for both customers and staff.
Hairdressing involves dealing with strong chemicals and members of the public at the same time. Given the risk taking out mobile hairdresser insurance will ensure your business goes on operating even with claims pending.
Are you self employed as a massage therapist and need to take out protection against claims? We can provide you with multiple massage therapist insurance quotes from a panel of UK brokers. These brokers deal exclusively in claims protections for massage therapists.
Have you undergone training and are now self employed or working for a 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 protected as you practice your profession.
The cost of salon insurance is based on a number of factors, some that you have control over and some that you have no control over. Take your post code should it be in a location that has a high level of crime then your insurance premium will be higher than a postal code in a less risk or urban region.
If you are a salon owner or work as a freelancer you will need to protect your business by taking out the appropriate level of cover. When you are searching for a good deal one advisable step is to compare the options and costs that are currently available on the marketplace. If you select Get Quotes and complete one simple form, your requirements will be shared with multiple brokers who will provide you with an option to purchase a policy that is geared towards your individual small business requirements.
The resulting quotes and policy details will be presented to you in a format that makes comparison both easy and fast. When you operate a salon and provide a service to the general public it is necessary to ensure that you have the correct level of cover that will provide protection from financial claims against you or your salon. We can help by enabling you to get quotes from a select panel of UK brokers and underwriters that deal exclusively in the beauty insurance sector.
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 likely claims. The will give you peace of mind that your business would not be in danger if an accident that results in a legal claim is made against your salon business. We can offer a range of policies for most business types that deal in the beauty or well being sector. In addition we now offer multiple quotes for tattoo insurance.
No beauty salon can not operate or compete without investing in both the latest beauty technology and latest beauty products. Many parlors 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 business should a customer have an adverse reaction to any of your products. This type of claim is more common than you may think for example a customer may have an adverse reaction to skin product. The resulting damage inflicted can be both serve and costly in terms of damages as the client can legally make a claim against your salon. Product liability cover 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. Most UK brokers will offer a variety of payment methods including payment via monthly direct debit if required. Sometimes this is an important fact for a new beauty business
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 happen, for example a client slipping on a slippy floor. Should that customer decide to claim as a result of the accident then your salon may be found to be liable for costs. Given that accidents do happen it is important to ensure you have the correct level of protection. 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 business by having in place an appropriate level of public liability protection.
Any employee in your service ( paid or unpaid ) are able to make a claim against their employer should they have an accident or a work related illness. Settlements claims for personal injuries can be extremely high and can easily cripple any business. In the UK It is normally a legal requirement to for an employer have employee liability protection. Employee liability protection will protect you against any claims that an employee may make against you for injury or illness on or off site. Car accidents during work may be covered by your car insurance policy. In summary any business that employs one or more staff and that includes both full-time and part-time workers must take care of their employees by taking out employers' liability Insurance. Some exemptions do apply for example if the other party is also part owner of the business. These exceptions are rare and the safe approach is to check here and follow any advise given.