Business Insurance

Hairdresser insurance and salon insurance styled for you

Hairdressers insurance coiffured to suit your business

Whether you lead a creative city hair salon, a friendly local hairdressers or an amazing beauty and nail studio, we can shape a hairdressers insurance package designed around you. Because you are only paying for the cover you need, rather than a one size fits all policy, we are confident you’ll find our premiums attractive too.

At Highworth Insurance we’ll consult you over the levels of hairdresser insurance or salon insurance you require; taking into account everything from the size and nature of your business, to the amount of stock you’re responsible for and how many staff you employ.

We can then develop a personal hairdresser insurance or salon insurance package, designed around the location, size and type of your premises. Options can include:

  • Public liability insurance of £2m to cover injury to clients or others on business at your premises.
  • Product liability insurance up to £2m to cover the sale of unsafe goods.
  • Employee liability insurance up to £10m for anyone helping you at work.
  • Cover for your stock, including up to a 25% increase at seasonal times such as xmas
  • General business contents insurance for items such as PC’s and furniture.
  • Buildings insurance for your property including any areas such as residential flats that are separately let or occupied.
  • Legal expenses offering important support in the event of prosecution, for example over breach of the Health and Safety at work act 1974.
  • Business interruption and alternative accommodation costs in the event of a relevant claim.
  • Up to £5,000 exhibitions cover and property in transit
  • Up to £1,000 cover for loss of keys or damage to fixed signs and glass.

A hairdressers insurance plan that makes sure you’re covered

  • Public liability insurance that ensures your legal obligations are covered and that you don’t have to fret should clients accidently trip, slips or hurt themselves on your premises.
  • Employee’s liability insurance – once you employ staff it’s a legal requirement to have employee liability insurance. Your salon becomes a place of work for others and subject to health and safety legislation. In particular you have to meet the requirements of the Health and Safety at work act 1974.
  • Legal expenses cover helps in those difficult disputes
    • Supplier contractual disputes for the sale and supply of products
    • Employment issues concerning contracts of employment or any employment related legislation
    • Defence of criminal prosecutions and appeals against Improvement Notices under the Health and Safety at Work Act or the Food Safety Act.
  • Business interruption and alternative accommodation costs in the event of a relevant claim.
  • Business contents insurance – your business contents may cover a wide variety of assets. From simple items like equipment and PC’s through to expensive fixtures and fittings. Cover can extend to contents temporarily removed from your premises or when attending shows and exhibitions.
  • Stock insurance – cover for your stock is important in a wide range of circumstances. Obviously theft needs to be covered but also damage from smoke, fire and flooding. A burst pipe can wreak havoc in no time.
  • Product liability insurance – provides a safety net when the manufacturer may not be liable as you’ve sold something in an unsafe condition.
  • Up to £1,000 cover for loss of keys or damage to fixed signs and glass.
  • Buildings – you may own the building where you operate your retail operation. It normally makes sense to insure the complete building as part of your retail package to ensure there are no gaps in cover. This can cover rental flats and other occupied parts of the building. Options to include accidental damage such as breaking sanitary wear or putting a foot through a ceiling can be included. Unusually constructed properties or those having a history of subsidence or flooding can often be covered with little or no increase in cost.
At Highworth Insurance we can provide adequate cover for salons or individual hairdressers. Speak to our experienced team of Specialist Advisors to discuss hairdresser insurance and your unique requirements.

Kindly be advised that not all options are available on all policies. We recommend that you carefully check your policy summary and policy wording for the exact cover applicable to your circumstances.

 

 

 

 

 

 

Call for a quote

01202 937430

Mon-Fri: 0900 – 1830

Sat: 0900 – 1230

Our specialist advisors will be happy to help with any questions you may have.

Tips & Advice

Use our regularly updated catalogue of helpful tips and advice for all insurance related topics.