Diane was a renowned hairdresser in Slough, everybody loved to go to her beauty shop for the most beautiful hair tints. From beach blonde sun streaks to locks with deep purple tinges, she was a maven with hair colours. One day, an apprentice accidentally used the wrong shampoo on a customer’s hair. The woman who usually preferred organic products, had an immediate reaction to the synthetic dye; it was a complete disaster. Unfortunately for Diane, she had no form of insurance cover. The customer was left to pay for her own medical bills and is now considering a lawsuit for negligence…
Diane may be an expert, but professional negligence is almost unforgiveable. As a customer would you still patronise a beauty salon without hairdresser insurance?
When you visit a new salon for the first time, it is advisable to inquire from the owner whether they have insurance cover in place. Otherwise, you may be having hair treatments done at your own risk.
For hairdressers, it is imperative to protect your customers and your business by taking a number of insurance coverages available.
Here are some shop insurance covers for Hairdressers and Barbers:
You can get a standard business insurance policy, which includes public liability, employer’s liability and professional indemnity. As a hairdressing salon owner, you shouldn’t have to get blanket cover because another store is doing so. No two salons are the same.
Some providers offer specific shop insurance coverage.
1. General Liability Insurance
This is an important policy for hairdressing salons and shop owners for the products sold and the nature of the environment you operate in. There is likelihood of risk exposure you should be prepared to handle. It covers your customers too. Some examples include:
– “Slip and Fall” Insurance
– Products Liability
– Personal Injury
2. Commercial Property Insurance
This is often a requirement for hairdressing salon owners, usually by their landlord or financer of the business. It covers property damage on your business premises.
3. Professional Liability Insurance
This insurance protects business owners from third-party claims related to their professional services. For example, if something goes wrong at your salon, like a professional blunder or act of negligence – you can make a claim for professional liability.
4. Employers Liability Insurance
You can’t guarantee the professionalism or precautionary practices of your employees every time, so an employer’s liability insurance protects you from any incident.
Does your Hairdresser have an insurance cover? What would you do if you were Diane?