Should the worst happen, if you were to cause physical injury to a client or, worse, be burgled and not be able do that perm in time for Thursday afternoon bingo, and you were unable to compensate your clients, your business would be, like the neglected hairdo, in tatters.
Like hairdressers and beauty salons, nail bars and tanning shops provide the base for industries that rely heavily on human contact, both physically and in the psyche; it would be foolish to entertain such a venture without being adequately insured.
Salon Insurance should be the cornerstone of your cover and should protect financially you from many of the more common risks, such as general wellbeing within the salon and safe premises.
And, if you are not an independent trader or freelance beautician or hairdresser, you will need Employers Liability Insurance so that your staff can work safely and you’re secure in the knowledge that, should they injure their selves whilst carrying out their duty, you are covered, too.
Other general policies should not be overlooked. Your Buildings Policy is a must if you own the salon or shop – without that you have no business; and in the same breath, ensure that you can cover salaries and your own livelihood in the case of business interruption in light of a concurrent claim.
Applicable to both mobile and static businesses within the beauty industry are the tools of the trade. Should they be damaged or stolen, you need to be able to get them replaced quickly and to at least the same standard, to ensure continuity of trade and to deliver the level of service to which your clientele have become accustomed.
There are practises that you should incorporate within your day-to-day business that may carry favour with insurers, providing that you can prove they are being adhered to.
For example, if, as part of your business (whether it be you, a direct employee or a third party who rents a room within your premises), you are offering skin care such as cleansing, scrubbing and exfoliating, ensure that the person providing this service has suitable dermatological certification. Providing they do so, they will carry out skin testing before any application of product whatsoever.
Likewise, with hair colouring, not all hair-types are suitable for all colourants. Discreet sample testing should be implemented for any new clients and ongoing, up-to-date records kept as proof in light of any claim.
So, like your tools, stay sharp and do not cut corners, especially where your insurance is concerned.