Starting up and owing your own business brings enormous responsibility, especially if you are starting up a beauty salon, as your whole business will be based on treating members of the public. Any business that involves customers coming onto the premises or you going out to treat customers in their own home, poses a risk. When in the beauty business, however careful you may be, accidents can happen, which brings the risk of customers taking you to court to claim for damages. Therefore, you may want to consider taking out beauty salon insurance.

What aspects of my business would be covered?

There are different components to insurance for your beauty salon that you may want to think about. However, you would need to check with the insurance provider and check the small print of your policy to find out what was included in your chosen cover. Generally, an insurance policy would provide cover for the actual building in which your business was housed, if you own it. For instance if there was a fire that stopped you from being able to run your business you could claim on the insurance policy to help with rebuilding costs.

Any furniture and equipment on the premises may be protected in the insurance policy against the possibility of damage or if they were destroyed. The policy could also cover your stock in the event that you lost it, this alone could be your downfall if you did not have insurance to cover the loss and replacements to be able to continue trading.

Liability insurance for the public - ie public liability insurance - may be included, up to so much, in your insurance. This typically protects you against liability claims for injury , loss or death to members of the public who come into your salon for treatment. Even with strict rules and regulations accidents can occur that could leave you open to a liability claim from a member of the public, even someone who is simply on your premises maybe dropping off supplies.

Should you have members of staff working alongside you then you must give some thought to employers' liability cover, as this is usually a legal requirement if you have staff, though there are some exceptions.  This would allow a claim to be made on the policy in the event that a member of staff should suffer injury or worse whilst working in your salon and you were deemed liable for the incident.

If you sell products in your beauty salon, such as facial masks, cleansers or toners then you may want to ensure that the beauty salon insurance policy you were looking at includes product liability insurance. If someone purchased a product and they claimed they had suffered injury as the result of using that product, you would have insurance towards meeting legal costs.

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