Choosing the right insurance policy to protect your business can be a daunting task, but our Hair and Beauty insurance specialists are on hand to help you every step of the way.
The Business Octopus provides specialist insurance packages for hair and beauty businesses of all sizes and types, tailored and bespoke to the treatment services you may provide. A standard beauty insurance policy may not offer the specific cover you need for your business but we make every effort to fully understand all your business activities and make sure you are covered correctly. Our policies will give you peace of mind and allow you to focus on your business knowing that should the worst ever happen you are fully protected and so are your clients.
Whether you are a hair salon or mobile based beauty business, you will need to double check that every treatment you offer is included in your policy otherwise any claim you may make could be invalid. You may have tanning booths within your beauty salon; you may require specific treatment risks liability cover or employee liability cover if you employ staff, all of which can be discussed with our insurance specialists. Once we have your requirements we will then look at which policies are suitable for you to compare, via our panel of carefully selected leading UK beauty insurance providers.
Below are just some of the popular covers that The Business Octopus can offer along with many others:
Public Liability insurance is available with levels of cover from £1m, £2m and £5m. Higher levels are available upon request.
Employers Liability cover is required by law if you have employees. Standard cover of £10m.
Treatment Risk Liability covers you in the event of a claim being made against you if you or the product causes an injury to a client during the course of a treatment for example. Covers available for micro-dermabrasion, electrolysis, IPL, ear hopi, massage therapies and many more – make sure you ask about all your treatments or check any documents for specifically excluded or included treatments.
Tools and Equipment cover protects your beautician’s tools of the trade, should you lose or break them.
Personal Accident cover will help if you or a member of staff if injured whilst working. Some companies do use this cover as an employee incentive within their employment package.
Remember to check all your insurance wording as some policies do have limitations and policy restrictions which could, if not adhered to, render your policy becoming void in the event of a claim.