Haircuts and styles are your works of art. Whether it is a simple trim, a colour or specialised treatment, your clients expect to leave looking and feeling great. You build great relationships with them, but if something goes wrong it can be more than just your reputation that you lose. Having the right insurance in place means that you can protect your business, clients and employees in case anything goes wrong.
Policies include Public, Products, Treatment and Advice Liability, which is especially important in your business because of you are working directly with and on clients, making accidents more likely. This insurance provides financial protection in the event that someone takes legal action against you for damage or injury as a result of your service or the products that you use and sell.
They also include Employers’ Liability which you are legally obliged to take out if you have any staff. This insurance which protects your employees if they suffer an injury or loss as a result of your business.
Cover can also include:
- Property Damage
- Contents/Fixtures Fittings/Tenants Improvements
- Electronic treatment & tanning machines (excluding Accidental Damage to these)
- Business Interruption
- Loss of rent payable
- Goods in Transit
- All risks away from premises