If you own a hairdressing business then you may want to consider taking out hair salon insurance. This form of insurance can be taken out with a specialist insurance company online, which may lead to obtaining competitively priced cover.
There are many different scenarios that could occur which may have a drastic effect on your business. As you are in the hairdressing business, you will be using sharp instruments and chemicals on a daily basis and this alone can bring many dangers. Even if you use the strictest of safety measures, accidents and the unknown can happen.
For instance whilst trimming a customer's hair a slip could be made which resulted in them being cut. In this case, they could in effect claim damages from you and without insurance behind you, it could end up costing you a great deal of money. If you have to dig into your own pocket to pay for a solicitor and compensation in the event that you lost your case, it could mean the close of your business. With public liability insurance, the policy would typically be there for you to help with legal and financial costs.
If you own a larger salon and you employ others then you may want to ensure that you have employers' liability insurance included in your policy. This form of liability insurance would provide you with cover in the event that one of your employees was to suffer injury, or even death, in your salon through a fault of yours. This could for instance include if they were to slip and fall due to hair being left on the floor of the salon. Again if you were taken to court for damages it could cost you a small fortune, which without insurance would typically have to come out of your own pocket.
Your stock and equipment should also be a consideration in your hair salon insurance policy. Having built up your business from scratch buying the equipment needed to run it and stocking it to enable you to continue running your business, you could end up back at square one if your equipment/stock was destroyed or damaged. If you have insurance for your stock and equipment, you would be able to claim on the insurance policy and restock. You may also want to ensure that stock would be covered from the moment you ordered it. For example if it should be lost, damaged or destroyed whilst on its way to you from the supplier, you would be eligible to claim on the insurance policy.
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