photo credit: Jean Pichot

You wake up late in the night to a phone call from the authorities telling you that your beauty salon was broken into and all of your equipment was either stolen or damage severely. That’s a shame, because you were not fortunate enough to remember to get salon insurance, a form of insurance that covers predicaments such as that, and more. If you have a med spa, nail salon, a low end or high tech hair studio, you have a world of coverage for all of your combs, razors, nail equipment, hair dryers and more. Hairdressers salon insurance is a unique coverage that will take care of you when things around the shop break, including the shop itself.

If you are a beauty professional, whether you work out of your house or in a shared space, this kind of insurance is optimal for you as it is mobile – meaning salon insurance will go with you if you take your work to your house, another persons house OR stay within the confines of a work building! It covers nail polish, general liability, product liability, personal or advertising injury liabilities, professional liability, medical pay, fire damage and legal recourse. You have a business to run; let a salon insurance policy take care of you while you center your attention on getting and taking care of your customers.

One of the key instruments of a salon insurance policy you need to watch for are the items covered. If you injure a client through an accidental cut, or if you break a hair dryer, you want to make sure your policy has provisions inside of it to take care of those contingencies. If you leave your tap on overnight and the wash basin overflowed, flooding your salon, you want to make sure that flood damage and loss of wages are covered, as equipment is expensive in the salon industry. Make sure that payments made on the phone or internet are not given additional fees as opposed to mailing the payments in as some salon insurance companies will do this to you. And most importantly, comparison shop with all available salon insurance companies in the UK before committing to buy as the rates do vary and some could offer tremendously deeper discounted rates as opposed to their competition.

If you are a salon shop owner various things, like employee theft and dishonesty as well as unhappy customers, can drastically hurt your business if you do not have a salon insurance policy in place. Because if a fire happens tomorrow in your business and nothing was covered, where will you get the income from to pay bills and care for your loved ones? Take the necessary precautions and get a salon insurance policy today.