Public and Product Liability
Up to £10m of cover is included as standard to protect you against third-party claims for injury or property damage.
Treatment Risk Cover
Protects your liability against third-party claims for injury or property damage following Hair and beauty treatments up to the value of £3m.
What's not covered?
We can only cover policyholders working in the UK and cannot cover claims brought in from another country.
Treatments Involving The Use Of Injections
We will not cover any treatment involving the use of injections, alongside a list of specifically excluded treatments.
Injury To The Public Whilst Teaching In A Teaching Facility
Our teaching cover does not include this, as students must have their own insurance to protect their liability.
Closure Due To Disease
We cannot cover business interruption due to disease outbreaks classified as pandemics by the World Health Organisation.
Theft From Unattended And Unlocked Vehicles
We cannot cover theft from unattended vehicles unless all points of access are locked, or the vehicle is stolen at the same time.
Legal Costs For Taking Someone To Court
There must be a 51% chance of winning the case or achieving a positive outcome for us to cover legal costs.
Exclusions To Buildings, Shop Front, And Contents Cover
Excludes wear and tear, manufacturing faults, vermin, or inherent defects, alongside theft and escape of water if the salon has not been occupied for 30 consecutive days.
Exclusions To Money Cover
Excludes theft from employees if not reported to the police within 7 days and theft from an unattended vehicle.
Contents, Stock, And Shop Front Cover
You can cover your contents, stock, shop front, fixtures, and fittings up to a combined value of £250k.
This cover protects your liability following illness or injury to an employee up to the value of £10m.
We provide up to £500k of cover for your salon’s building, including any outbuildings, walls, gates, and fences.
Provides cover for compensation sought following a negligent act in respect of providing teaching services where you have received a fee.
You can cover the theft of money from your business up to the value of £2,500.
Covers loss of turnover or the additional costs of keeping your business running up to the value of £500k if you cannot trade.
You can select up to £100k of cover for costs incurred from defending or pursuing a claim for a range of legal issues.