Salon Insurance
Running a salon of any kind brings a unique set of duties with it, whether you offer hairdressing, beauty or any kind of health/ spa treatments. To make sure you comply with the law and do whatever you can to protect your business and yourself, a tailored package of insurance is vital.
If you employ anyone to work in your salon, either in a customer facing or behind the scenes role, you have to take out employers’ liability insurance by law. If your salon business involves using any vehicles, for example if you travel to clients or customers to provide services or perhaps to transport stock and equipment around, you also have to have adequate motor insurance for these vehicles.
Your salon premises can be effectively protected using a good buildings and contents insurance policy. However, to make sure you’re getting the policy you need, you should consider the list of items this needs to cover. Any stock you keep within your salon should be included, as should your salon equipment, furniture and interior décor items. If your salon handles cash, covering yourself for money may also be beneficial, protecting you in cases of theft or robbery.
Many businesses providing services to the public end up being burnt by legal action when someone decides to sue them. This is why more and more people are taking the precaution of public liability insurance. It may not be something you want to think about, particularly if you’re just starting out as a business owner, but sadly these situations are now common.
