Hear at UK & Ireland Insurance (Online) Limited we understand that the risks and have listed a few below that you will need to consider for your business.
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In order to protect yourself and your business, you’re likely to need:
- Professional indemnity insurance
Basically if people rely on your professional service or advice and they then believe that the service provided or advice given is incorrect /mistake then they could sue you.Professional indemnity
will protect you against the cost of defending you / your business against allegations of professional negligence for example a client could feel that their appearance has been damaged as a result of
the advice/ treatment provided. This cover would also include any damages/compensation that may need to be paid if your defense is unsuccessful.
- Public liability insurance
Public liability protects you against injury or damage to third parties while they are on your property. For example if a customer slips and falls resulting in an injury to themselves, whilst they
are in your premises you could face a compensation claim. Public liability insurance would cover your defense fees and compensation.
- Employers’ liability insurance
Basically if you have employees (including assistants, volunteers or apprentices), the law requires you take out employers’ liability cover. The cover protects you if any employee gets injured or
becomes ill while working for you.
- Cover for equipment and stock
Covers all the contents and stock in your salon including staff property, this may include any machinery you have plus the stock that you hold in order to run your business this could be anything
from the beauty couches, styling chairs, hairdryers, hood dryers to nail extensions and skin care products.
So whether you need just need public liability insurance or a combination of covers packaged together we can tailor a product to match your business needs. Covers include:
- ✔ Public Liability
- ✔ Employers’ liability
- ✔ Contents
- ✔ Buildings
- ✔ Business interruption