Salon Insurance

Arranging your Salon Insurance couldn’t be simpler with the help of our team.

“First Academy” is our specialist Business Salon Insurance package tailored to suit the needs of Hair Salons, Beauty Salons, Barbers and Nail Salons across the UK.

To get a quote give us a call today, alternatively, complete one of the quote forms and we will be in touch.

Product Overview

With 24 years of experience in the Hair & Beauty industry, we understand the unique requirements of the hair and beauty sectors and provide the highest standard of service and coverage.   There are a variety of risks associated with your industry which have been considered carefully when developing the ‘First Academy’ package.   We are committed to providing you with peace of mind so you can work without worry, at a competitive price achieved without cutting corners in your cover.

“First Academy ” Salon Insurance at a glance

Trade Contents
Cover will include your business contents including stock against a wide range of perils, including Accidental Damage and Full Theft (unforced entry/distraction), which is not always included within online policies.

Business Interruption
If you suffer damage at your premises from an insured event which results in you being unable to trade, the business interruption section included as standard will cover you for any lost income whilst repairs are made and you are back up and running.

Employers Liability
If you employ any staff it is a legal requirement to have an Employers’ Liability policy in place.  If a member of staff is injured while at work this will assist you in meeting any compensation they may be entitled to.

Public Liability – Including Treatment Risk Liability
Accidents happen and people make mistakes.   If you are running a salon and someone is injured or their property is damaged, whether from a slip at the premises or as a result of a treatment you have provided, they can claim compensation if you are found to be at fault.   Included within your salon insurance package is a level of Treatment cover to suit your specific needs.

Legal Expenses
We will provide you with Legal Expenses Insurance to assist in defending legal action taken against you, including Employment Disputes, Tax and VAT disputes and more. With Employment Law and legislation changing every few months, it can sometimes be challenging to keep up with the impact this has on your procedures.  As well as the cover itself you will have access to a 24-hour legal advice line to assist you with all of your business needs and ensure you can take the steps needed to protect yourself and your staff.

There are many more benefits that can be found within the First Academy Policy Summary.

Below is a brief summary of the cover provided as standard, for further details please refer to the Policy Summary:

• “All Risks” cover for contents and stock (including full theft and accidental damage)
• Glass – Replacement value
• Public Liability up to £5,000,000
• Employers’ Liability up to £10,000,000
• Treatment Risk Liability
• Compensation for court attendance
• Business Interruption – Loss of income – 24-month indemnity period
• Accidental failure of public utilities
• Denial of access
• Comprehensive money cover
• Replacement of locks following theft of keys
• Generous seasonal stock and money increases
• Exhibition cover
• Legal expenses – including employment disputes and compensation awards as well as tax and vat enquiries
• 24-hour legal advice helpline
• 24-hour claims line, 365 days a year
• Monthly instalments available
• 14-day money back guarantee if you are not completely satisfied

Optional

• Buildings Insurance
• Property Owners Legal Liability