Products/Hair & Beauty
Commercial packageHair & Beauty
Cover for salons, barbers and beauty and aesthetics businesses — the premises and contents, the income, and the treatment risk that sits at the heart of the trade.
What’s covered
The cover, in detail.
Property
- Buildings — Day-One reinstatement
- Tenants’ improvements & landlord fixtures
- Contents & general stock
- Glass
- Money — business hours & out of hours
- Goods in transit
- Book debts
- All-risks items (UK / EU)
Business interruption
- Business interruption, for a set indemnity period
- Rental income
Treatment
- Treatment liability, set to the treatments you actually carry out (cover bands)
- Additional treatments by named operators
- Treatment excess — £1,500 each and every claim
Liability
- Public liability
- Employers’ liability — £10m any one occurrence
- Chair renters, sunbeds and workaway options
Employers’ liability£10,000,000 any one occurrence
Treatment excess£1,500 each and every claim
Optional / selectable
Accidental damageSubsidence, heave & landslipVoluntary excess — £1,000 or £2,500
A summary of cover, not a statement of policy terms — the policy wording governs. Sums insured are set per risk, and availability, covers, limits and terms are subject to appetite and underwriting.
Who it’s for
Is this your client?
Hair salons & barbersBeauty salonsAesthetics & skin clinicsNail & treatment bars