Any business owner needs to make sure they are properly insured to carry out their work. If you run a hair salon, however, you do not only need to think about buildings insurance and contents insurance; treatment insurance and public liability insurance equally important when it comes to servicing customers’ hair and performing other treatments, such as manicures and even ear-piercing. If you own a salon or hairdressers, getting the right cover is quick and easy with Proper Finance.
Treatment liability insurance is similar to public liability insurance, yet it is more specific to businesses that offer treatments such as hairdressing. Whilst public liability insurance will cover the costs of defending an allegation of negligence resulting from the running of your business, an allegation that a specific treatment (such as hair colouring, or similar) has caused injury to a customer of yours will only be insured if the policy includes treatment liability insurance. Our specialist insurers at Proper Finance will be able to get you properly insured today.
Being a hairdresser necessarily entails having customers enter your property to be serviced. Whenever this occurs, you become liable for anything that may go wrong on your business property. Public liability insurance is designed to help cover the cost of any legal fees that could ensue from such accidents, as well as any additional costs that might be involved.
It is a legal obligation for your company to have employers’ liability insurance. You can be fined up to £2,500 every day you are not properly insured. Employers’ liability insurance will cover either all or some of the costs of any legal action an employee may take against you as a result of injury or illness caused by work. The amount of cover you will receive will depend on the policy you choose. It is important to remember that even former employees can still make a claim against you or your business.
Buildings insurance is useful for any business owner, whether the business is run from a commercial property or from a residential property. Buildings insurance will cover you if any damages occur to your salon or hairdressers, be it the result of a burglary or some other form of destruction.
In the event of a fire, flood or vandalism, your property may need repairing and in this time, you cannot rent out your property to tenants. However, your buildings insurance can pay for all the repairs provided it is part of your policy and also pay for any loss of rent during this time.
The running of your salon absolutely depends on your equipment, such as sinks, hairdryers, and cutting and colouring instruments. You can get this type of business equipment insurance either separate to your general business insurance, or as part of your entire policy. The terms and conditions will depend on what your chosen policy provider can offer you.
It is important that you take the time to accurately calculate the value of your business equipment when searching for business equipment insurance. This is to avoid the risk of under-valuing your items and not being recompensed appropriately to replace them, or over-valuing them and ending up paying higher premiums on your policy than necessary.
Proper Finance have more than 100 top-quality partners in insurance and loans.
We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.
Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.
Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.
The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.
Getting great business insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our specialist insurance partners. They will assist you every step of the way, helping you to get insured as effectively and quickly as possible. Alternatively, you can call a specialist directly and request a quote.