What else should I consider?
If you work from home, don’t assume your work is also covered. Standard home insurance doesn’t protect you against claims resulting from business activities you conduct at your house. What’s more, you may be inadvertently invalidating your home insurance policy if it’s not adequately tailored to include commercial activities.
If you run a hairdressing salon and employ staff, you will need employer’s liability insurance as mentioned above. You may also want to consider taking out cover for loss or damage caused to your stock and products, general contents, fixtures and fittings, as well as to improvements you have made to the premises. These covers usually come under a salon package, which you could extend to include buildings cover, if you own the building where your business is located. You may need to take out additional insurance if you provide beauty treatments as well.
If you’re employed by someone, it’s worth reviewing what insurance they have in place first to see if it meets your needs.
If you are a mobile hairdresser and work on your own, apart from getting public liability cover, you may want consider one for your equipment too. It will cover your kit from damage, theft or loss should any of these happen, meaning you can get back on your feet without too much of a detrimental effect on your business or finances.
To ensure you have the right policy in place, fill out a call back form. Our advisors will call you back and help compare tailored quotes over the phone.