At Insight, because we have been providing Insurance for over 22 years to all types of Irish retail businesses. So, we know that it can be confusing sometimes to understand what cover you need because different businesses have different risks. We often get asked, “what insurance do hair & beauty salons need?”.
Hair and Beauty salons have specific risks associated with treatments such as chemical peels, Botox, laser treatments, and dermal fillers or allergic reactions to colours or hot waxing. There are also risks of client injury, from a fall on a wet floor for example. All insurance packages offer Public/Products Liability, Employers Liability, Treatment, Buildings, Business Interruption, Stock, and Contents. But, if your service is a bit more specialised or you are carrying out invasive beauty procedures. We have built up relationships with a number of key “A rated” insurers who are working with us to provide you with the best possible choice and cover.
Why & What is Salon Insurance?
As insurers, we often get queries and questions about different types of policies. In order to help you understand your needs, we’ve answered the 3 most common questions we get about salon insurance:
- Do you need insurance to work in a salon?
- What is insurance and what does it do for a salon?
- Is beauty insurance a legal requirement?
Do you need insurance to work in a salon?
If you are a salon owner, it is important to have insurance and it is crucial you have the correct cover, to protect yourself and your business. Our specialist saloon policies can cover all aspects of your services including:
- Washing, drying, cutting & styling of hair
- Dyeing, bleaching, or special treatment of hair
- Eyebrow and eyelash treatments2
- Hot waxing and laser hair removal
- Botox, derma fillers, and skin treatments
- Ear piercing and nail treatments
We aim to cover you for every possibility, and we are always happy to discuss your insurance needs and go through the finer details of the policy, to make sure your insurance is working for you.
It is also important to have your own insurance if you are working in a salon where you sublet a chair or room. Where you may be at fault for a workplace accident or as a result of a treatment you’ve carried out, as a claim could be brought against you as you would be considered a separate entity to the salon.
What is insurance and what does it do for your salon?
Insurance is a contract, represented by a policy, in which the policyholder pays a premium to the insurers for financial protection or reimbursement in the event of an insured loss. It is very important for you as a business owner to have the correct insurance in place. If you have spent years building your business, insurance acts as financial protection in the event of a claim. If you are a limited company, you could be putting your salon(s) at risk, and even worse, if you are a sole trader, you could be held personally liable if you have no or inadequate insurance in place.
Is beauty treatment/salon insurance a legal requirement?
Although beauty insurance may not be a legal requirement, it is a necessity when you wish to protect yourself and your business against the financial burden of a workplace accident, especially where treatments are carried out on clients.