Salon Insurance is a special type of small business insurance that is targeted at beauty salons, hairdressers and other types of retail establishment offering beauty therapies. As with most forms of small business insurance which is focused upon smaller retail establishments, Salon Insurance covers the actual salon fittings, including all equipment, as well as the actual stock of the business from loss or damage. In addition to this, almost every Salon Insurance policy will include some level of public liability insurance, many will include employers liability insurance. Where Salon Insurance differs quite significantly from other all-in-one small business insurance policies is in the provision of product liability insurance. This means that the salon is indemnified against any harm or loss encountered by a customer due to a specific product purchased in the salon.

Who needs Salon Insurance?
To understand the true value of an all-in-one Salon Insurance policy, then consider the actual legal requirements that almost every salon is required to work within. Firstly, every salon must legally have some kind of public liability cover. Secondly, any salon which employs staff must also have an adequate level of employers liability insurance. Lastly, some salons that provide fairly invasive, possibly harmful treatments must have some form of product liability insurance by law. Although these three types of cover can be obtained separately, it makes sense to procure them as a single package. Of course, every business needs to ensure that its premises, stock and equipment are ensured, and a Salon Insurance policy also covers this requirement.

Things to look out for when procuring Salon Insurance
There is a major consideration for some beauty salon operators with regard to both public liability cover and product liability cover. Some beauty treatments, for example Botox, are potentially dangerous if performed badly. A salon which is seeking Salon Insurance and provides these kinds of beauty treatments, must ensure that the level of both product liability and public liability they are protected by is adequate to cover a worst case scenario.

A secondary consideration is with regard to employers liability insurance. Many smaller salons do not hire staff permanently. Instead they have a pool of freelance beauty therapists who work in the salon, and receive a percentage of the revenue for the work they perform for customers. Some beauty salon owners may not believe this kind of casual labour requires employers liability insurance. In fact, it does. Any staff working in the salon are deemed employs and therefore there is a legal requirement to have employers liability insurance.