Premier Software
Skip to primary naivgation Skip to content
  • Products
    • Salonlite
    • Salon
    • Core
    • College
  • Get our newsletter
  • Login
  • Free Presentation

Salon insurance types and why you should have them

Salon insurance covers your business and staff against all kinds of unforeseen situations. Before first opening your salon, it’s vital to insure it so you don’t find yourself cut down by potential recovery costs should anything unfortunate occur. But what insurance should you go for and how do you buy the right insurance? Don’t fret – we’re on hand to guide you through the importance of each type of salon insurance.

Risk assessment for salon insurance

Before deciding on any salon insurance, you’ll need to carry out a risk assessment by law. This will make sure you identify any potential risks so you can take precautions to prevent them. Once you know what to insure against, including risks to your clients, staff and premises, you can take the right precautions to protect your business.

Property salon insurance

Your salon is where you carry out your daily activities, so it’s worth insuring against anything that could damage it. That includes fire, floods and vandalism, which could leave you out of business. Make sure you have a property insurance policy that covers any loss of profits during the time you’re unable to use the building, as this will help make up the shortfall and keep your salon going!

Liability salon insurance

Liability insurance will cover any claim for compensation made against you by someone who thinks you’re at fault for injuring them. This breaks down into three different types:

  • Under the Employer’s Liability Act, you are required by law to have employer’s liability insurance. This will cover you against claims for compensation made by any employees who have suffered injury or ill health as a result of their working activities.
  • Public liability insurance covers you if a compensation claim is made by someone not employed at your salon. This type of insurance isn’t compulsory, but arguably essential.
  • Products liability insurance covers compensation claims against you, but from any faulty or defective products you have sold. This type of insurance also isn’t compulsory.

Personal injury insurance

Sometimes it’s you who could fall ill or is injured in the salon – this is where personal injury insurance comes in. Sometimes called personal accident insurance, this covers you for serious incidents that mean you’re unable to work, covering any medical expenses. Personal injury insurance can pay you a weekly amount for temporary injuries, or even a lump sum payment for more serious, permanent ones.

Final considerations

It’s worth highlighting treatment insurance, essential for covering you against clients claiming injury from any services or treatments provided. Also, professional indemnity insurance – this protects you should someone attempt to make a claim against you for not training them properly.

Jensten Insurance Broker offers tailored hairdressers and barbers insurance services (previously Coversure salon insurance services). Not only that, but Premier’s beauty partner, BABTAC, offer salon insurance options and benefits.

For all your other salon management needs, there’s Salon by Premier Software®. To find out how else Salon can help your business, book a free presentation below:

 

BOOK A FREE PRESENTATION

Share Blog:

Facebook Twitter Twitter

More blog stories

The Importance of Cyber Security

The importance of cyber security is rising in the hair and beauty industry, as the use of technology and online-based services increase. Never has it …

Find out more

Exciting Instagram Changes and How Your Salon Can Adapt

With Instagram’s regular updates, it can sometimes be hard for your salon to keep up! However, CEO, Adam Mosseri has announced plenty of Instagram changes …

Find out more

Should You Be Cutting Costs?

 As we saw the introduction of the National Living Wage, many employers are looking to cut costs elsewhere to help stabilise their business under these difficult conditions. …

Find out more
View all blogs
  • Products
    • Salonlite
    • Salon
    • Core
    • College
  • Support
    • Software Support Centre
    • Online by Premier Software
    • Webinars
  • Case Studies
  • About Us
    • About Us
    • Partners
    • Social Wall
  • Careers
  • Contact Us
  • Login
  • FAQs
  • [email protected]
  • [email protected]
  • Privacy Policy
  • Cookie Policy
  • Terms
  • SalonLite Terms
  • Acceptable Use
  • Contact us

    Call:
    +44 (0)1543 466580
    Email:
    [email protected]
    Address:
    9 - 11 Heritage Park
    Hayes Way
    Cannock
    Staffordshire
    WS11 7LT
    Book a free presentation
  • 9 - 11 Heritage Park Hayes Way Cannock Staffordshire WS11 7LT
    Telephone: +44 (0)1543 466580
    © 2023 Premier Software. All Rights Reserved.

    • Webinars
    • Terms
    • SalonLite Terms
    • Acceptable Use
    • Cookie Policy
    • Privacy Policy

    Late opening - Monday 27th and Tuesday 28th March 2023

    On Tuesday 28th March, Premier Software Solutions Ltd will open later than usual. This is due to an internal company announcement.

    Business critical support will continue to be available between the hours of 8:30 a.m. to 9:00 a.m. and from 10:00 a.m. to 8:30 p.m. to those with an applicable Premier support contract via the details, below. We thank you for your understanding and apologise for any inconvenience this may cause.

    Email: [email protected] or phone: (UK) 0800 9882824 / (ROI) 1800 932074

    We use cookies to give you the best experience possible. Click 'Accept' to continue exploring or find out more in our cookie policy. Read More… Accept Reject