All Property Insurance

Tailored Insurance Solutions for Property Owners and Lessees

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Insurance Solutions for Salons and Barbers

When looking for cover for your salon you need to ensure that your broker not only understands the pitfalls but is also able to provide a cover that will answer in the event of a claim. (See FAQs)

What to look for

  • Sums Insured
    Always ensure that your sums insured are accurate especially for buildings, stock and if applicable Tenants Improvements – Insurers operate a clause called “average” this clause will kick in if your sums insured are not adequate – Insurers are at liberty to deduct the % that you are under-insured from any settlement. For example if you get cover for £100k and it should be £200k and you claims for £50k then you will only get £25k.
  • All Risks
    Always check that your policy provides cover for loss or damage on an All Risk Basis – There are policies available that will only cover certain perils – If you find yourself without all risk cover you could see your claim repudiated
  • Business Interruption Covers
    Does your current policy provide – loss of profits, loss or rent and increased cost of working
  • Treatment Risk Covers
    Does your current policy include treatment risk covers

What Covers you may need

  • Employers Liability – Provides cover against your legal liability in the event of injury or illness to staff members as a result of your negligence
  • Public Liability – Provides cover against your legal liability in the event of injury or illness to members of the public or visitors to your site as result of your own negligence
  • Material Damage – These covers refer to damage or loss of property – for example buildings, contents, tenant’s improvements.
  • Business Interruption – In the event that your premises cannot be operated from provides indemnity against loss of profits and any additional costs incurred
  • Treatment Risk covers

FAQs – Hair Dressing Businesses

  • Why do I need to Insure my business? – Insurance provides your Business with peace of mind from the myriad of potential risks from fires to a member of staff slipping over to a client reacting badly to a treatment.
  • What Covers should I have?
    • Employers Liability
    • Public Liability
    • Products liability
    • Buildings (If Applicable)
    • Tenants Improvements
    • Contents (Standard)
    • Stock in trade
    • Treatment risk
    • Business Interruption
    • Commerical Legal expenses
  • Why must I give accurate sums insured? – An Insurance policy is a contract between you and the Insurance Company and is entered into on the basis of upmost good faith. If even as a mistake do not give accurate sums insured then Insurers can apply the average clause in the event of a claim – This clause simply puts will reduce any settlement by the percentage that you are under for example if you insurer for £100 but really should be £200 and you claims for £50, you’ll only receive £25. If you need assistance in calculating your sums insured the ABI (Association of British Insurers) has some advice on the following link https://abi.bcis.co.uk

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