Beauty salon insurance

We don’t put a limit on the number of employees you can cover. However, if you take on new staff after you’ve taken out your policy, please let us know, so that we can update your policy and keep you covered.

We can offer cover for this, however it’s not a standard feature of our policies, so please make sure you request it when you set up your policy. Once included, you’ll be covered for ear and nose piercing with a gun only, subject to any specific exclusions or limitations.

Generally, our policies cover you for working at your salon only. However, on request, we can extend your policy to include home visits and working at other sites/premises.

These aspects are excluded from our beauty salon insurance:

• Any work for which you are not qualified and do not hold the relevant certificates for the treatments you carry out

• Work away from your premises, other than non-manual commercial duties, collection or delivery. (Cover can be extended to cover manual work away if required.)

• Damage to any property held in trust or your custody

• Liability arising from the failure of a product to perform the function for which it was intended

• Injury to any employee (unless you have employers liability insurance)

• Theft not involving forcible and violent entry or exit

• Sprinkler leakage (unless specifically extended)

• Subsidence, ground heave or landslip (unless specifically extended)

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan.

We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.