At Insync, our beauty insurance packages utilise a simple menu driven approach allowing you to select the specific sections of cover applicable to your business. Every beauty business will have a core requirement for treatment risk and unlike some of our competitor’s, we will never offer cover without this vital component. What is critical is that the policy all protects the array of different treatments you provide.
Public liability insurance for a beauty salon offers protection for claims and expenses from members of the public as a result of the actions of you or a member of your staff - for example, a client trips on a loose carpet tile and damages their knee ligaments.
If you employ any staff you are legally required to purchase employers liability insurance, this covers compensation claims by current or former employees as a result of injuries sustained through their employment. If you own the property where your business is based, we would look to protect your building against fire, flood, theft and other perils. If you lease or rent the property, then you should ensure that cover is arrange in respect of any tenants improvements you have made to the salon.
Beauty equipment, contents (such as beds or tables), stock and aftercare products can also be covered, along with money, signage and your salon glass front. We can also add business interruption, which covers fixed costs and loss of profits following a claim.