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Do I need beauty business insurance?
Posted on May 30, 2022
Do I need beauty business insurance?
Whether you are self-employed, mobile, or a limited company, it’s important to get the right cover in place for your hair or beauty business.
It is important to work with an experienced broker to choose the right cover for you and your business:
- Public Liability insurance – to protect you against claims made by clients, or the public.
- Commercial Property Owners’ insurance – to cover you for damage to the premises that you use to run your business.
- Contents and stock – this policy can cover you for a specific amount in the event of your stock or business equipment getting damaged, preventing the need for you to repurchase the damaged items.
- Equipment cover – to ensure your specialist hair and beauty equipment is fully covered in the event of an insurable claim.
- Product Liability – to ensure you are not held liable should a client experience a bad reaction to a product.
- Treatment Risk Insurance – provides protection against claims by third parties alleging injury from treatments they have received.
- Business Interruption – this will cover you for an interruption to your beauty business caused by a number of insured perils, to include flood, fire, or explosion.
- Employers’ Liability – is required by law in the UK if you have employees. You will need your ERN reference when you purchase Employers Liability insurance.
- Cyber insurance – if you run an ecommerce site or an online booking system, consider cyber insurance to protect you and your business in the event you are hacked, and data is stolen.
- Personal Accident and Sickness cover – if you are self-employed and find that you are unable to work due to your health, this can cover you for up to 65% of your monthly income.
Just like the range of services or treatments you offer, your beauty business insurance policy will be based on individual requirements.
The best way to decide on what you need to include, or even whether your current policy covers you effectively, is to contact our experts at Watkin Davies Insurance Consultants Ltd on 02920 626 226 or email insurance@watkindavies.com
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