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Monthly Archives: July 2019

July 30, 2019

Henry Seymour beauty insurance Review

In this Henry Seymour beauty insurance review includes what this insurance broker can provide the professionals who have a business in the beauty industry. This broker opened their doors in 1984 and have been helping beauty therapists and holistic professionals get the financial coverage they need to protect their businesses. 


Henry Seymour Beauty insurance Review

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​What types of coverage does Henry Seymour beauty insurance find for their clients?

Below are the three main areas that are covered to help those in the beauty industry be protected. This type of coverage is available for those that own or work in a salon, work out of their home or are mobile beauticians. 

  • Public Liability coverage with a limited indemnity of £3 million per claim, Data Protection Act coverage of up to £250,000, Defective Premises Act coverage of up to £3 million along with Health and Safety at Work Act coverage of up to £ 100,000.
  • Product Liability coverage with a limited indemnity of £3 million in claims for a year along with Consumer Protection Act coverage with limited of indemnity of £100,000.
  • Treatment Risk coverage with a limited indemnity of £3 million per claim and there is coverage for working abroad on a temporary basis excluding the US and Canada.

​Does Henry Seymour offer any optional beauty insurance coverage?


For those in the beauty business, there are additional types of coverage that can be added to an insurance policy. 

  • Employers Liability coverage is required by UK law for all salons that have employees. This is coverage is if an employee gets hurt or sick and files a claim against the salon.
  • Money coverage of up to £500 if you are robbed or there is a theft. This option has an excess of £25.
  • Legal Expenses of up to £100,000 for any period of coverage. This addition to a policy has an excess of £250.
  • Personal Accident has 2 sections. There is a hands only with coverage up to £10,000 in case of loss of use of a hand. The second is full coverage in case of permanent disability which pays up to £60,000.
  • Stock and equipment coverage that ranges from £1,000 to 10,000. All claims have an excess.

In conclusion

You have no doubt heard of Salon Gold, Salon Gold initially offered insurance products from Henry Seymour. They have since started to provide their own bespoke insurance products not related to Henry Seymour.   

Henry Seymour beauty insurance is a group of insurance brokers that handle each of their clients personally. When you call them you will talk to a broker, not a call centre. They are also independent so you as a client and your satisfaction is their only concern.

You have no doubt heard of Salon Gold, Salon Gold initially offer insurance products from Henry Seymour. They have since started to provide their bespoke insurance products not related to Henry Seymour. With the UK beauty and well being industry being so vast you have a wide choice of specialist brokers that now include Balens insurance, ABT Insurance and BABTAC . To get multiple quotes for Salon beauty insurance please select the Get Quote option below.

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July 30, 2019

ABT Beauty Insurance Review

ABT Insurance Review

This ABT beauty insurance review will discuss just what the Association Beauty Therapist has to offer in terms of financial protection for professionals in the beauty industry. This insurance covers the professionals who work from home, are mobile and those that work in a salon.

ABT Insurance Review

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​What type of ABT beauty insurance is available?

  • Professional Treatment Risk insurance is financial protection of up to £6 million to cover when there is an incident during or after you have performed a treatment on a client.
  • Public Liability coverage is up to £6 million to financially protect you when an accident occurs.
  • Product Liability coverage is financial protection of up to £6 million when there is a problem with a product you sell a client.

​Where is this coverage active?


When you take out an ABT insurance policy, you can work anywhere in the UK and most other places temporarily except in America and Canada. 

What are the qualifications for taking out an ABT Beauty insurance policy?

To be eligible to take out an ABT insurance policy you must work in the beauty industry and be a member of ABT. 

  • Personal Trainer Insurance
  • Fitness Instructors
  • Complementary Therapists
  • Counsellors and Psychotherapists
  • Dermaplanning
  • Holistic Insurance
  • Microblading Insurance
  • Chiropractors
  • Beauty Thread Lifts
  • Beauty Therapists

Are there any specific insurance policies dependent on what the beauty professional specializes in?

Yes, there are specific policies to help cover the professionals that include the following;

  • Beauty Therapist insurance
  • Nails, Tanning and Makeup insurance
  • Complimentary insurance
  • Hair insurance
  • Student insurance
  • Salon insurance

Yes, you can become ABT accredited along with the courses you have taken or will take. There is a one time fee for this. Once you become ABT certified your skills will be acknowledged with the seal of approval by ABT and recognized in the profession as such and allowed to display the logo in your place of business.

You will also receive free promotion of your business on the ABT website, in their monthly newsletter, 20% off banner advertising, free entry to trade shows, discounts from brand owners, access to the marketing design group of ABT along with support and guidance to help your business flourish.

Summary

ABT beauty insurance review is about covering your business with financial protection. There is no mention of just who underwrites the policies, but there is a mention of BALENS insurance brokers and Zurich Insurance PLC. While the insurance policies are standard in their coverage, the ABT accreditation is a bonus to help a business get recognized in the beauty industry. 

ABT policies are available for the UK beauty and wellbeing industry that includes  makeup artists , nail technicians and  mobile beauty therapists and many others.

Start comparing the costs of beauty insurance by selecting the Get Quotes option below and complete one simple online form.

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July 29, 2019

Balens Beauty Insurance Review

Balens insurance Review

In this Balens beauty insurance review just what this beauty salon insurance broker has to offer in terms of services will be presented. This organization looks for the best policies to help cover the professionals in the Health and Well-Being fields along with their organizations.

Balens Beauty Insurance Reviewed

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What type of coverage is available with Balens Beauty Insurance policy?

There are more than 3500 techniques and therapies covered by Balens and their policies. Inside each policy, the areas covered include the following;

  • Professional Liability
  • Public liability
  • Product liability

The financial upper limits of coverage include three different levels which are £4,000,000, £6,000,000 and £10,000,000. These limits are per claim. There is no limit to the number of claims that can be filed in a year.

There is also legal protection provided by DAS Legal Expenses Insurance Company Ltd (DAS). That upper limit per claim is £100,000.

Are there any additional policies available?


Yes, there is personal accident insurance that covers the insured person when they are injured. It does not cover illnesses in the main policy, but there is coverage for illness in terms of income protection for up to 2 years. It is available for all professionals under the age of 71. This protection covers you 24 hours a day. The only time a person is not covered is when they are traveling abroad against the advice of the Foreign & Commonwealth Office.

There is business travel insurance available. A Balens professional has to be contacted for details on this policy to be revealed.

Can only professionals get Balens insurance?

No, while professionals can be covered, those in training or students can also take a Balens insurance policy out. In many instances, the student premium is only 25% of what a professional would pay.

  • Personal Trainer Insurance
  • Fitness Instructors
  • Complementary Therapists
  • Counsellors and Psychotherapists
  • Case Managers

In conclusion

This Balens beauty insurance review has looked over just what this insurance broker has offered since 1950. They are headquartered in Great Malvern UK. Your premium cost will be factored by your experience, the field you work in and how often you perform the therapies or techniques along with the level of coverage you require. 

Remember this is an insurance broker and they do not underwrite the policies they offer their clients. The Balens professional that handles your policy will find one that best fits your needs and budget. 

Balens can arrange the correct level of cover for your  beauty business and policies are available for makeup artists , nail technicians and  mobile beauty therapists  plus countless other businesses that are related to the UK beauty and wellbeing industry. 

To start comparing the costs of beauty insurance select the Get Quote option below and complete one simple online form.

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July 29, 2019

BABTAC Beauty Insurance Review


BABTAC Insurance Review

This BABTAC  beauty insurance review will cover just what the British Association of Beauty, Therapy and Cosmetology has to offer their members in terms of financial protection. This is a member only non-profit organization that helps guide this business sector while looking out in the best interest of its members.

Babtac Beauty Insurance Review

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What type of Beauty insurance does BABTAC offer its members?

The policies issued cover professionals who are fully qualified at specific skills and treatments. This makes it possible for the beauty professional to operate their businesses and offer treatments to the public with the following types of coverage;

  • Professional Liability insurance up to £6,000,000 in coverage for claims in a single year
  • Public Liability insurance with up to £6,000,000 in coverage for claims in a single year
  • Malpractice insurance with £6,000,000 worth of protection against claims in a single year
  • Treatment Risk Insurance that has a limit of £6,000,000 for claims in a single year
  • Product Liability up to £6,000,000 when products are sold directly to clients that covers a single year
  • No excess when making a claim
  • Optional DAS Legal expenses insurance

Who underwrites the BABTAC insurance policies?

Professional, public and product liability insurance policies are underwritten by Zurich Insurance plc.

The DAS Legal expense insurance is underwritten by DAS Legal expenses Insurance Company LTD.

What is unique with the BABTAC insurance policies?

Unlike other types of beauty salon insurance that once you are no longer paying the premium and are no longer a client of BABTAC, you can still be covered. What specifically is covered is if a claim is made against you where the incident occurred while you had an active policy from BABTAC in place, then you will be covered. This can be a week after your policy is no longer active or 10 years. This allows for all work you did while insured to be covered no matter when action is taken against you.

​Where am I covered with a BABTAC policy?

The BABTAC policies are protection for the British beauty professionals that work in the UK. For those professionals who visit the USA and Canada, you will also be not covered for temporary visits. If your clients live in an ex-UK domicile than you must file a request for coverage for each trip.

In conclusion

This BABTAC  beauty insurance review has included what a person needs to know about this membership only type of coverage.  They have been protecting their members since 1977 and have earned a good reputation in that time. 

Cover is available for professionals that work in the beauty industry including nail technicians, mobile beauty therapists and tattoo artists. To start comparing the costs of beauty insurance select the Get Quote option below and complete one simple online form.

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July 22, 2019

6 tips to starting a hair salon business

These 6 tips to starting a hair salon business can help make the difference in success or failure of your new beauty shop. We did not mention the obvious which is taking out Salon Insurance to protect your business. That apart, each point below has a unique reason for being included on the list so you should not only follow them, but understand them. 

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1 The essential business plan

This is the most important part of your new venture into creating a self sustaining revenue stream. A new salon will not just become a success unless it follows the right business model. This plan will be the written path you take to ensure the longevity of your new business venture.  This should include both short term and long term goals. 

You should also list where you will get the funds for your new business venture, your raw materials and supplies along with a marketing strategy. You should also have a list of fixed costs and those that will be variable. 

2 Handling the finances

The money flow is key to being successful. By figuring out how much you need to start up your new business then know the daily costs of keeping it open are essential to know. You must also be capable of borrowing the funds you need when you need it. Your start up costs will include rent or mortgage, insurance, inventory, employee wages, equipment and supplies. What most new business owners are not willing to accept is that once the business opens, most are not profitable until one year down the road. 

3 Location

The location for your new hair salon can make or break your business. A good location will have plenty of foot and car traffic passing by on a regular basis. It would also be helpful to be next to or in close proximity to a successful business with a good amount of foot traffic like a grocery or convenience store. Women frequent those types of establishments and you will get noticed. 

3 Getting customers

A business is only successful if people know about it and use their services. A hair salon in the past would only use word of mouth as their marketing strategy. Today that is just not enough, but that is still needed. The newest way is to use social media to help draw in new customers. One strategy is to take pictures of your customers before and after to clearly show your work as a hairstylist. When your clients show their friends of them on your social page, you place will get noticed. Take time to understand your customers and if they are unhappy offer them a free treatment

5 Start off smaller than your dream

Starting a new hair salon begins with a lavish dream of what you want. This is great, but it has to be realized that is the goal, not how you can start. Begin your operations slowly and small then over time build upon it. If you start out too big, you could run out of funds and be forced to close. 

6 Review review review

For all businesses success comes from keeping costs down while not compromising on the service you are providing. Every month look at the expenditures and see just how they contribute to the business. Every cost must prove to be beneficial to your business. If there is no benefit, then it is wasted money and should be eliminated.

In conclusion

Opening any new business has inherent risks. These 6 tips to starting a hair salon business can help you to avoid the risks and succeed. What must be remembered at all times is to provide a high quality of service while maintaining low operating costs. 

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