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A number of complications may affect the business enterprise at any time, so when you are operating your own small business possessing the required cover often means the difference between losing your company and retaining it.
The precise cover that you'll get will be different from one plan to the next so it is very important to always check specifically what cover is included in your policy to make sure that you've appropriate cover for your salon.
Merchandise in transit
Although hairdressing isn't a business enterprise that is going to carry a lot of inventory around, you'll nonetheless have to restock items for example, hair shampoo, hair conditioners, chemical dyes and also other hairdressing equipment on a regular basis. However, if these products were to be damaged whilst on the road you might find yourself losing a lot of hard earned cash. You may very likely want to make sure that your hair salon insurance policy protects you for this specific type of loss.
Public Liability Insurance
Engaging with the public on a daily basis will mean that in the hairdressing salon industry there is an greater chance that somebody can injure or hurt themselves whilst on your premises, possibly slipping on a spillage or maybe just spilling a mug of coffee over their clothes. It's vital with this kind of company that you ensure you incorporate public liability cover as part of your policy. This part of your cover will also typically incorporate paying any legal fees in addition to any damages.
Employers Liability Insurance
Along much the same vein to public liability insurance, the employers liability part of your salon insurance policy provides you with security should one of your employees suffer from any kind of injury when at your workplace.
For example they may scald themselves with hot water or have an mishap with one of the treatment options or products which you use. Any worker that suffers a personal injury can make a claim against you for damages. It's generally a legal requirement of all businesses to get employers liability cover.
Fixtures and Fittings
The very first thing that you see in many salons is that there's usually a large number of wall to wall mirrors. Your insurance coverage will most likely cover you for accidental damage to any fixtures and fittings on your premises but, as we pointed out above - it's smart to look at the policy wording, to ensure that there's nothing missed out. Should you have any kind of unusual or higher value equipment located in the hair salon it is recommended recommended to talk about these with your insurance coverage company in case they aren't covered as standard.
Many of the factors already stated should come as standard on a hair salon insurance plan though some may possibly need to be added on as additional items.
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