Why do Hairdressers need it?
It is your business to make heads turn – and ours to ensure you do! Every business comes with its own set of risks and liabilities and it is no different with hairdressing.
Hairdressers can offer a range of services, from haircutting, colouring, styling to skin care, spray tanning, laser hair removal and other cosmetic services.
While every hairdressing professional seeks to provide the most competent services, sometimes things can go wrong.
Some of the risks and liabilities include injury to a customer, supplier or member of the public, or damage to their property, as well as damage to your own property caused by unexpected events and theft of cash or assets among others. Whether you are a freelance hairdresser or own a hairdressing salon, you will need tailored insurance products to cover specific risks.
Did you Know?
Adverse reactions to hair products and treatments are some of the most common forms of cited complaints against hairdressers.
Insurance for Hairdressers
At BizCover, we offer an extensive range of insurance products to cover many types of risks and liabilities, meaning that you can focus on running your business without the worries of what could happen if an unexpected event strikes.
So, whether you have your own shop-front salon, operate a home-based business or offer a mobile service to your clients, we can tailor a policy to suit your needs.
If you are in business you have a potential liability exposure arising out of the operation of your business. A Public Liability policy will cover third party property damage and or injury that might not be covered by ACC. It is a very affordable cover considering the amount of protection you receive. If you lease your premises, then your landlord will more than likely insist on you having public liability insurance.
Your business assets are as critical as your customers to maintain the cash flow. That’s why Business Insurance is an important form of cover to protect your contents, stock and other assets against unexpected events, like fire, storm, earthquake (if you have taken out the earthquake option), theft and accidental damage.
Choose the cover options to suit your needs:
Property (Contents) – covers loss or damage to your contents, stock and equipment caused by fire, storm, theft and other perils. It can also cover portable equipment if you need to be mobile.
Building – if you are the owner of the building where your salon is located, protecting it against damage from disasters such as fire, flooding or storm damage is critical.
Business Interruption – while a fire or storm damage can damage your business assets or building, you may be faced with having to close your doors for days, weeks or even months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.