Hair & Beauty Insurance
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Finding cover to suit you
If your business is based in a salon or you are a mobile beautician, Lockyers insurance brokers can work with our network of insurers to find an affordable and comprehensive hair & beauty insurance package including cover for Garra Rufa Fish Pedicures and invasive beauty treatments such as micro blading.
We can also offer the services of a dedicated claims team to help you through the process should the need arise.
Cover can be tailored to include:
- Treatment risk insurance – cover for claims arising from accidents caused by treatments
- Public liability insurance – cover for claims due to customer injury or loss. This is especially important with so many clients on site and at risk from even simple hazards such as spillages – Find out more
- Product liability insurance – covers the cost of compensation claims for injury or damage to people or properties by a faulty product that your business designs, manufacturers or supplies – Find out more
- Employers’ liability insurance – a legal requirement if you have 1 employee or more to cover against any action taken by any employee in the event of accident or loss. Employees may be working with products, hot water and beautician tools which all present a risk of injury – Find out more
- Buildings insurance – cover to protect your salon in the event of structural damage such as fire damage
- Tenants improvements insurance – cover for permanent changes, e.g. wiring, built in cupboards, made to a leased property by the tenant rather than the landlord
- Contents insurance – cover for items such as tills, beauticians’ equipment and fixtures and fittings from damage and theft, especially when some salon equipment can be very expensive.
- Stock insurance – cover for damage or theft of beauty salon products which can be very expensive to replace
- All risk items away from the premises insurance – including laptops and phones
- Loss of profits insurance – cover to allow your profit levels to be maintained in the event of business downtime so your business will still receive income
- Loss of cash & cheques insurance – protection for loss from your premises, home or in transit
- Computer insurance – cover for loss, theft or accidental damage
- Goods in transit insurance – ideal for mobile beauticians visiting clients, cover includes goods in vehicles owned or operated or carried by a third party.
- Legal expenses insurance – protection from the costs of legal proceedings including employment and tax disputes
- Directors’ and officers’ insurance – cover for claims from anyone who feels they have suffered a loss arising from a director acting wrongly in their position e.g. from employees, shareholders, creditors, regulators, customers, government – Find out more
- Cyber liability insurance – protection against losses caused by online fraud, one of the fastest growing crimes today – Find out more
