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Beauty And Salon Insurance
Are you a nail technician? Hairstylist? Beautician? Manicurist or pedicurist? We must say, you’re doing a great job! We value you beyond measure and the society is a better place because of you. But, as you know, bad things happen to good people. This is why you are enjoined to plan ahead. Salon insurance quotes are available online and you can easily take advantage of the offers up for grabs.
You might be tempted to say “why do I need one?” Rather, the question should be, “why don’t you?” when you compare cheap salon insurance quotes, you are open to a wide range of available policies with varying flexibility. This will allow you acquire an affordable beauty and salon insurance without creating a dent in your pocket. Here are some of the covers beauty salon insurance provide.
Public Liability Insurance
For beauty salons, it is important to provide protection against unforeseen accidents which can bring about huge losses to your business. For example, a plugged hair dryer can unknowingly hurt unsuspecting customers. It will cover claims for injury and other accident caused by carelessness or negligence.
Employer’s Liability Insurance
You are legally required to acquire the employer’s liability insurance if you have staffs working for you. This is to guard against on-site injuries, accidents, illnesses, or even death. The cover for this insurance is very affordable and you can get cheap salon insurance quotes here.
If you offer services such as eyelash tinting, waxing, etc. You ought to purchase salon treatment cover for your clients. This will ensure that you are covered for any injury or damage which stems from your cosmetic treatment. Cheap salon insurance cover will also ensure that you avoid huge costs of protracted court cases while keeping your reputation intact.
Business Interruption Cover
What if your beauty shop gets burgled or vandalized? What is it gets burnt down? Have you thought about flood? How about repair or renovation you need to make? All these things ought to disrupt your business and stop your income. Thankfully, cheap salon insurance has your back. You will be paid for the loss of profit and the expenses incurred by your employees.
Business Equipment Cover
Your equipment and tools are also included in this cover. We know that it can be on the high side and replacing stolen or damaged equipment might set you back a bit. This is why salon business insurance covers the cost of repair/replacement of the tools you employ in your business.
Work Away Cover
Picture this; you go to a client’s apartment to complete a makeover. Let’s say you wax the eyebrows, tint the eyelashes, and provide pedicure service. What if an accident occurs in the process? Remember that you are away from the business premises.
Do not be perturbed. Once you have acquired salon business insurance, you are protected. This insurance ensures that even while you are away at work, there’s a form of cover for you. Hence, even the treatments in your possession can be insured in a similar manner.
Helpful Links: Insurance Associations
ABI – Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.
BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.
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