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If you work in the hair and beauty industry, you need to know you’ve got cover if something goes wrong. For example if a customer is burnt on curling irons, if someone trips over a trailing cable in your salon, or if you use a chemical that causes damage, you could face a compensation claim.
That’s why we offer tailored cover for beauty businesses, from barbers to manicurists, whether you run a mobile business or your own salon. Start with public liability cover for those accidents that could lead to compensation claims, and then add any other business insurance you need, including employers’ liability and business buildings insurance.Start your quote
Because all beauty businesses interact with members of the public, public liability insurance is likely to be your core cover. This can pay compensation claims and legal costs if someone sues your business for injury or damage. For example if you burn a hole in your client’s carpet with hair straighteners, or if a supplier trips over a cable while delivering equipment to your salon, you could face a compensation claim. Your public liability insurance covers the legal fees and any compensation costs, up to the limit of your policy. Remember that compensation awards take into account things like medical costs, lost income, and repair or replacement, so they can be very high. We offer up to £10 million of cover.
You can also choose to add cover for things like your business equipment, your stock, and your buildings if you’ve got a business premises. If your beauty business hires anyone, it’s more than likely that you’re legally required to have an employers’ liability policy too. Get all your insurance in one simple policy from Simply Business.