![]() In most cases you'll need to specify what specific kinds of treatments you offer. ![]() However, due to the risky nature of some services, insurance will only cover treatments for which you and your employees have trained and achieved qualification, for example through certification on a college course ( Gov careers site). Liability for these professional activities isn't covered by public liability insurance, which is why hair and beauty salons also need treatment liability cover for their employees. Product Liability Example (property damage injury): Hair product that you sell a bride stains her expensive white wedding dress, and she sues you for the cost to repair it ahead of her wedding.Īnother critical type of liability coverage for a salon is treatment liability insurance, which can protect you against claims made by customers who are injured or damaged by your professional treatments and services.Product Liability Example (bodily injury): Product that you sell a client for home use causes a severe allergic reaction.Public liability is commonly available in the UK with limits of £1 million, £2 million, £5 million or £10 million. If you're sued, public liability insurance can pay for legal defence costs (even if a claim is frivolous) and compensation payments if you're found liable for accidental injury or damage. However, public liability insurance won't cover claims for professional negligence for services or treatments you carry out (e.g., injury due to a treatment)-that's covered by treatment liability cover (discussed below). What does it protect against? Third parties such as clients who are accidentally injured or their property damaged by you or your business. Here is some more detail about these four core elements of beauty insurance coverage, including some examples for each: Salon Public Liability Insuranceīeauty salons need public liability insurance because they have in-person exposure to members of the public who can sue. Employers' liability insurance: Covers claims made by employees who fall ill or are injured due to their work for you.See a list of treatments that are typically covered here. Treatment liability insurance: Covers professional beauty treatments you've carried out or treatment advice you've given.Product liability insurance: Covers claims made by clients or other members of the public who are accidentally injured or their property damaged due to products you have supplied.Public liability insurance: Covers claims made by clients or other members of the public who are accidentally injured or their property damaged due to your negligence.In addition, there are many other types of business insurance that a hair, beauty or nail salon might want, from equipment cover to legal expenses cover. To mitigate these risks, you can buy suitable insurance.įirst, there are four types of liability insurance to learn about, which can protect against injury or damage liability claims made by clients or other third parties, or employees. ![]() Your business works with members of the public and uses tools and products that can cause injury or damage such as burns, cuts, stains, allergic reactions, etc. Owning a salon can be a dream come true and incredibly rewarding, but it can also be risky. What Insurance Does a Beauty and Hair Salon Need? Other types of business insurance for salons.Here's what you need to know to help you choose the right cover for your hair and beauty salon. And a salon typically has expensive tools, equipment and stock that need protection as well. Even the best salon can have accidents or make mistakes, which can lead to costly liability claims. Whether you specialise in hair, beauty, nails or all of the above, as a salon owner you need specific types of insurance personalised to protect you and your business.
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