Shop and Salon Insurance

If you run a shop or salon, then your business faces a wide range of risks and hazards that could cause financial loss – or even see your business shut down. At Specialist 4, we are proud to offer what we believe is cost-effective, comprehensive cover that gives you and your business all the protection it needs and leaving you to do what you do best – running your shop or salon.

What is shop and salon insurance?

What is shop and salon insurance?

As a salon, you are potentially vulnerable to many risks. For example:

  • your equipment could get stolen or damaged;
  • a fire could destroy or badly damage your salon, leaving you unable to trade again until it is repaired;
  • you could face a lawsuit from an unhappy customer;
  • even something as simple as the gas man visiting your premises and slipping on a wet floor could suddenly see you face a claim for compensation;
  • your glass shop front could get broken, leaving you with an exposed shop and a large repair bill;
  • and so on.

And these are just some of the examples of what may happen. By having a salon insurance policy in place, you can typically protect yourself against the financial fallout of these types of risks. 

What does shop and salon insurance typically cover?

What does shop and salon insurance typically cover?

There are a variety of attractive benefits included in as standard in most shop and salon insurance policies – though it is important that you check and fully understand what the cover entails, rather than just assuming you are fully covered.

The protection typically includes all or some of the following (depending on where you source your cover from):

  • buildings and contents damage including theft;
  • money lost from theft or assault;
  • business interruption;
  • employers’ liability insurance;
  • public and products liability;
  • commercial protection.

There are also some other add-on benefits for salon and shop insurance that apply to your particular business.  This means you can take cover for specific risks related to your business and needs.

Who is shop and salon insurance suitable for?

Who is shop and salon insurance suitable for?

  • any business owner who has a shop or salon typically will need the protection that this cover gives;
  • this applies no matter what the size and what business activities are carried out there (eg. whether you are selling fruit or running a nail salon).

Summary

Summary

Salon insurance can be set up in a tailored way to protect your business from the potential financial burdens it might face due to unexpected loss or damage.  You should not have to spend all your time worrying about damage to your business, theft, or legal issues that could be financially draining. 

With the protection of a bespoke shop and salon insurance policy, you can focus on your business management with the peace of mind that in the face of building damage, loss or damage to contents, or lawsuits, you are covered.

Contact Us for a Quote

Want us to call you back at a time that suits you? Please complete our contact form below and one of our dedicated team will call you back to discuss your enquiry.









Save time & money with Specialist 4 Insurance: Call 01992 630095 to get a quote