Salon insurance covers hairdressers, barbers, beauty salons, nail bars, beauticians, makeup artists and similar professions. People in these businesses run particular risks that others do not face and so normal business insurance policies may not be completely suitable for them. Because of the wide range of treatments on offer (and their associated risks ) it is even more important than it usually is to make sure that specific treatments are covered under a policy, and that any other terms or conditions that may apply are complied with.
Professional Beauty Direct is a trading style of InEvexco Limited which was set up in 2011 to provide insurance solutions to contractors and organisers of events, conferences and exhibitions. They have since branched out into providing insurance for businesses that they felt were underserved and salons, they felt, were one of them. It is not a huge company; they have an average of around 15 employees. As brokers they can arrange cover for suitably qualified practitioners trained to at least NVQ Level 2. They also have a student policy for those who are learning the trade. They specialise in arranging cover for nail and hair salons, barbershops, and beauty or holistic treatment salons, self employed people, and mobile practitioners. The types of treatment they can arrange cover for is large but they cannot accept teeth whitening, botox or tattoo removal businesses. Their policies can cover treatment liability, public liability and product liability.
Salon Gold is a trading name of Barkdene Limited, which is a broker situated in Sutton, in Surrey. Other brands in the group are Holistic Gold, Counselling Gold, Salon Saver, Fitness Gold and Henry Seymour & Co. The company employs about 24 people. Their salon insurance policies all include treatment liability cover as standard. Student and teacher policies are available and the standard cover for suitably qualified practitioners include cover for stock, public liability, legal expenses, product liability, business interruption, employers liability, goods in transit, and personal accident for hands. Optional extras include cover for buildings, personal accident or even terrorism (apart from Northern Ireland). Policies for freelancers cover public liability, product liability, financial loss and malpractice, with employers liability, legal expenses, personal accident, money, stock and equipment as optional exras. They can accept people with qualifications accredited by a number of professional bodies but not those who have qualifications issued by home study or other remote learning institutions. Professions covered include holistic therapy, gym instruction, face painting, trichology, homeopathy, nail care, hairdressing, nutrition, beauty therapy, councelling and hair care.
Saloninsurance4u is a trading name of C I 4 U GB Nationwide Limited, insurance agents and brokers, which was formed in 2008 but is still a fairly small company with around four or five employees. They provide commercial and professional insurance to a wide range of trades and claim to deal through a panel of top rated insurers. Policies start with standard public liability cover, of from £1 million up to £10 million, and can be extended to cover treatment, stock, employers liability, business money, shop front, business interruption, legal protection and goods in transit. Advanced treatments such as semi-permanent makeup and microblading can be arranged and policies can be bought online.
Premierline is a trading name of Allianz Business Services Limited which is part of the Germany based Allianz Group, which has been providing insurance and financial services since 1890. They operate in about 70 countries and employ around 150,000 people worldwide. They can provide insurance for beauty salons, barbers, hairdressers, mobile hairdressers and beauticians, nail technicians, and tanning salons. Available covers include public liability, treatments, stock, buildings and contents, employers liability, and business interruption. Quotes can be obtained online from a panel of insurers that may include AXA, Aviva, Allianz, Hiscox, RSA and others.
Healthcare Professional Protection is a trading name of insurance brokers MRSL Enterprise Limited which was set up in 2016 to provide insurance services to members of the various medical professions. They keep an office near to Lloyds of London so that they can consult with underwriters about particular client requirements and they have an appetite for riskier procedures. They offer a range of cosmetic insurance including public and product liability, and provided that applicants are suitably qualified they can consider arranging cover for treatments such as tooth whitening; injected dermal fillers; acupuncture; muscle toxins; chemical peels; electrolysis; laser treatments; sports massage and semi permanent makeup.
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