Manchester-Based Beauty Salons: Your Business Insurance Options

By Darragh Timlin on July 27th, 2023

Establishing a successful beauty salon in Manchester requires more than just skilled beauticians and a stylish venue; you must also consider your beauty insurance options. How do you know which insurance policies are necessary, which providers are reliable, and how much it’ll all cost?

Explore our comprehensive guide to Manchester-based beauty salon insurance, as we discuss local requirements, top providers, essential policies, cost estimations, and more. We’ll also cover commercial property and liability insurances, employee considerations, customising your policy, claim filing, and frequently asked questions. So let’s get started on securing your salon’s future today!

What Coverage Options Do You Have?

When evaluating your options, it’s crucial to understand the insurance requirements for your business. These requirements can vary based on factors such as the size of your salon, the number of employees, and the services you provide. It’s essential to have a clear understanding of the necessary insurance policies to protect your business, employees, and customers.

Perhaps the most important distinction is: do you employ anyone? If so, employers’ liability insurance is legally required. This covers you for accidents that your employees might have during the course of their work.

If you offer physical access to the premises for customers or clients, you’re also legally required to take out public liability insurance. Similarly to employers’ liability, this is to cover your business should anything happen to a customer on your premises, like a slip or fall.

Additional Coverages

Beyond that, commercial property insurance is vital for Manchester-based beauty salons not because it’s legally required, but because you could face ruin without it. It provides coverage for the physical assets of your business. This includes your salon’s premises, fixtures, fittings, equipment, and inventory. In the event of a fire or other damage to your property, commercial property insurance can help cover the costs of repairs or replacements, ensuring minimal disruption to your business operations.

Other coverages include:

  • Business interruption insurance, which can protect your salon’s income in the event of temporary closure due to unforeseen circumstances. When taking out salon insurance, it’s up to you how comprehensive you’d like it to be—just like when you’re insuring a car or other personal property.
  • Sadly, theft and vandalism are risks that every business faces, including salons. Insurance against theft and vandalism safeguards your Manchester salon from the costs associated with these incidents, be it replacing stolen stock or repairing the damage caused by vandals.
  • Specialist treatments and therapies often require specialist coverage. From laser hair removal to advanced skincare treatments, these services come with their own risks and liabilities. Therefore, ensuring your insurance policy covers these treatments is crucial.

 

While it is up to you to choose how comprehensive your salon insurance is, you risk your business by not having coverage for relatively common issues like these.

Choosing a Provider

When searching for the perfect insurance provider, it’s essential to choose a company that understands the unique needs of Manchester-based beauty salons. Some top providers in the area include Salon Saver, Simply Business, and Protectivity. Each of these providers has experience in catering specifically to beauty salons, offering tailor-made policies to suit your needs. Be sure to research and compare the different providers and their offerings to identify the best fit for your salon.

Choosing Cheap Or Comprehensive

The cost of beauty salon insurance in Manchester will vary based on several factors, such as the size of your salon, the number of employees, the services you provide, and the level of coverage you require. To estimate the cost of your insurance policy, it’s essential to research and compare quotes from multiple providers. Keep in mind that while it’s important to find affordable coverage, you should also ensure that you’re adequately protected against potential risks and liabilities.

Choosing Salon Saver

Salon Saver is an excellent choice for Manchester-based beauty salon owners seeking low-cost, core protection. By understanding the specific insurance requirements for your business and working with a trusted provider, you can ensure that your salon is protected against potential risks and liabilities. Invest in the right insurance policy today and enjoy peace of mind as you focus on growing your successful beauty salon in Manchester.

Darragh Timlin

With over 25 years’ experience, Darragh is an expert in all things insurance. Starting his career in commercial property underwriting, Darragh has worked for a number of global insurers and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Darragh Timlin

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