It is firstly important to understand that specialist insurance is required for each treatment the therapist undertakes, this is what makes a standard salon contract unsuitable for many beauty therapists. Whilst hairdressing and beauty therapy are sometimes practised alongside each other within the same salon, they are clearly very different professions and a hairdressing or salon contract may not be covering you adequately.
We are able to offer you a specialist policy with a package of covers that can be extended to include nearly all treatments currently undertaken, including laser tattoo removal, laser hair removal and IPL treatments which many of our competitors struggle to place, or don't understand well enough to ensure you are correctly insured should you need to defend a claim made against you.
Our insurance policy remains equally suitable for all beauty salons of any size from a single rented room to a fully equipped day spa.
Here is a brief summary of the covers you could have under your policy wording. A full summary is available on request.
"All Risks" cover for contents and stock
Public and Employers Liability
Beauty treatment liability cover
Compensation for court attendance
24 hour crisis line
24 hour legal helpline
Internal and external glass breakages
Business Interruption compensation
Comprehensive money cover
Stock and contents in transit cover
Compensation for the replacement of stolen keys
Accidental failure of your electric, water and gas supplies