Specialist Salon Insurance
Crosby Insurance Brokers experts in Salon insurance. When running a salon, there are various costs, such as the equipment, treatments and cleaning products. But one vital area is your insurance cover. Having the right kind of insurance can be essential, and knowing what type is appropriate for your business is important.
Standard salon insurance cover provides a lot of different elements of cover in a business, so a lot of the standard cover will be applicable, such as buildings and contents cover. In the event of theft or fire, these items could be expensive to replace. Aside from the tools needed to do the treatments, there can be additional requirements, such as cash tills, card readers, TV screens or coffee machines.
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Tanning salon insurance
With any premises, liability cover is vital. The simple fact is if someone is injured on your property and you do not have it, then this can be massively expensive. Furthermore, there is the additional benefit that the insurer will handle the legal issues involved in any compensation claim. So, if you are looking for tanning salon insurance, then contact us now at Crosby Insurance Brokers at 0191 5657590
It is also essential to have the right kind of Public liability cover- ideally, this should handle both employees and customers, ensuring that you are covered in either instance. You can also get covered Beauty Salon Insurance for products from third parties, such as hair straighteners or hairspray, to pay for that. (note that this may not extend to a model or photographer claiming loss of earnings due to using said products.)
You can get an additional extension to deal with cases where people complain about your treatment and how it might have affected them. Suppose you do not have this specific cover extension. In that case, there is the danger that additional compensation may be awarded, so it is best to check that you are prepared for this eventuality.
Beauty Salon Insurance
There are other optional forms of cover you may wish to consider. If you are working in a salon and need beauty salon insurance and are self-employed (some people rent rooms or particular chairs), you may want to get personal accident insurance. If you own the salon, it is worth considering offering this to employees and getting it for yourself. This means that if you are injured or ill and cannot work, this will allow you to continue to support yourself until you can make a full recovery.
Legal expenses insurance is another option to think about- having a specific fund available in the event of legal action will mean you can get legal representation and challenge claims if need be. Sometimes companies do not challenge claims because they fear they cannot afford these costs, and it can damage the business’ reputation in the long term.
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It is making the right choice. When considering what form of protection is best for your beauty salon or tanning salon insurance, it is about looking at every aspect, from the premises to the needs of you, your employees and your customers. Naturally, this can seem overwhelming, and it is not always clear how much you need, with some companies not able to provide options that suit the specific factors that come with this particular industry.
This is why it is vital to use an experienced provider like Crosby Insurance, who can review the various options available to you, tailor your cover to suit your business, and prepare it for any eventuality. Don’t delay; talk to us today, and we will be happy to discuss your requirements in more detail and find the best salon insurance that will work for you.
In addition to Salon Insurance, we can also accommodate Tattoo Shop Insurance. If you need a quote, click here.
For a standard retailer shop insurance click here.