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You know, when you’ve been working in the business for a while, you tend to get asked a lot of questions by your clients. Well, the same is true for us – after many years in the industry, we’ve received an awful lot of questions from both salons and freelance or mobile professionals regarding the cover we offer. We’ve compiled all of these questions into an FAQ, designed to give you all the answers to your most burning questions – and we’ve even separated them into salon and freelance or mobile too, to ensure you find the answer you need, as quickly as possible.
If your question isn’t listed, please feel free to give us a call, and one of our expert team would be more than happy to assist you with your enquiry.
We can offer cover for almost all types of salon businesses including:
If you are self-employed, freelance or mobile insurance is designed to suit you and will just cover your public liability (plus you can choose to add some optional additional covers such as stock and equipment). However, a salon package would cover your entire salon including your liabilities, your staff, your stock and contents, your glass, your loss of profits, stock in transit etc. If you have a premises, you really should choose a complete salon package to ensure you are fully protected.
Our Salon Saver policy is a complete package that has been designed for your industry. Cover can include the following:
You will be covered for those treatments that you have told us about and that are shown on your schedule. If you train in new treatments or therapies, please contact us so that cover can be added to your policy.
Yes, providing you tell us and have this noted on your policy, we will be able to provide cover for you working away from the salon.
You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query on which you would like our opinion, we are always happy to help.
Salon Saver will help you through the claims process and work with you to get a settlement from the insurer. With our in-depth knowledge of the policy cover and our strong relationships with the insurer, we’re well placed to ensure that you and your business get back to normal as quickly as possible.
No. The insurers will appoint solicitors, where appropriate, to represent you and will pay them directly. You do not need to make any payments to solicitors.
The benefits of arranging your insurance with Salon Saver include:
Yes, at Salon Saver we understand that paying your insurance premium in manageable monthly instalments can really improve cashflow within your business. There is a small interest charge for paying in monthly instalments.
Yes, Salon Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.
Of course! Please contact us – our advisors are here to help you with all your insurance needs.
Public Liability insurance provides protection against your legal liability for injury to third parties or damage to their property arising out of the operation of your business. The standard limit under our policy is £3 million any one claim and there is an option to increase this to £5 million.
Products Liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by products that you have sold or supplied. The standard limit under our policy is £3 million in total for all claims in any one year and there is an option to increase this to £5 million.
Professional Treatment risk insurance is an extension to the Public Liability section of your policy and will provide cover for any injury to third parties or damage to their property arising out of any treatments you may undertake. The standard limit under our policy is £3,000,000.
Employer’s Liability insurance provides protection against your legal liabilities to pay compensation in respect of injury or illness suffered by your employees or trainees in the course of the business.
Employer’s Liability insurance is a legal requirement if you employ any staff. This includes those who employ trainees or voluntary workers. If you are a limited company and the only employee is also the sole Director, you do not need to purchase this insurance. You also do not legally need to purchase the insurance if you are a family run business and the only employees are close family members (other than limited companies). All Salon Saver policies will automatically include this cover.
Yes. Your Salon Saver policy will automatically provide cover for glass at an unlimited level. You will have access to a 24 hour glass helpline who will arrange for your window to be boarded and then the glass replaced, any time of the day or night.
Business interruption, also known as loss of profits, will cover you for your loss of profits in the event of a claim. So if there was a fire at the salon for example and the salon was closed for a month to be refurbished, the business interruption section of the policy will compensate you for any profit lost (up to the policy limit) during the time that the salon was closed.
If you employ staff and pay them over the tax threshold, you will have been allocated an Employers Reference Number (ERN), also known as your PAYE reference. All insurers providing Employers’ Liability cover need to submit the ERN number to the Employers’ Liability Tracing Office (ELTO). ELTO has been set up so that insurers of companies can be traced in the event of a claim being made in the future.
You will only need to produce your certificates in the event of a claim. When you purchase your insurance you are declaring that you have a suitable qualification.
If you have ever been declared bankrupt or entered in to any form of bankruptcy proceedings, you will need to declare this to us and we will need to refer to insurers for you.
It’s not compulsory but claims for damages are on the increase and without adequate public liability for the treatments you undertake, you would be personally liable if a client suffers an injury caused by you.
Our policy will automatically provide cover for ALL treatments listed under your trade category providing you hold a UK recognised and accredited qualification in any treatments undertaken.
Please click on your trade category below to view a full list of treatments covered:
Our freelance policy automatically provides cover for temporary (up to 14 days per trip) work anywhere in the world (excluding the USA/Canada). So if you decide to provide a treatment whilst on holiday or if a friend wants you to hold a pamper party in their villa in Spain for example, you will automatically be covered.
Many therapists start out by treating their friends and acquaintances on an informal basis. Cover is not essential for this activity, however there is still a chance that things could go wrong and that people could sue you so we would advise all clients to ensure they are adequately protected.
This is not included as standard. However, providing you hold a UK recognised teaching qualification, the policy can be extended to include this, at an additional premium of £50.00 (excluding insurance premium tax).
Yes, the policy covers you to work at or from any location, provided that you live, and are based in the United Kingdom, the Channel Islands or the Isle of Man. This includes your home, and the cover is not restricted in any way by working from home. You may find however that your home insurers restrict or invalidate your home insurance if you have business visitors to your home. If this is the case, we can provide you with a “Working from Home” policy which will cover you to see clients at home. Please contact us.
You should notify us immediately, even if you only think you might need to make a claim. We are here to help and quick action could mitigate costs or even prevent a claim. Equally, if you have a routine query on which you would like our opinion, we are always happy to help.
Salon Saver will help you through the claims process and work with you to get a settlement from the insurer. With our in-depth knowledge of the policy cover and our strong relationships with the insurer, we’re well placed to ensure that you and your business get back to normal as quickly as possible.
No. The insurers will appoint solicitors, where appropriate, to represent you and will pay them directly. You do not need to make any payments to solicitors.
The benefits of arranging your insurance with Salon Saver include:
The limit of indemnity is the maximum amount the insurer will pay out to defend a compensation claim. Legal costs are payable in addition to this amount. The standard limit of indemnity is £3,000,000 and this can be increased to £5,000,000 for an additional premium. If for example you had a limit of indemnity of £3m we would pay up to £3m in damages, plus your legal costs.
The policy allows you to work anywhere in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man (provided that your main residence is in the United Kingdom, the Channel Islands or the Isle of Man), whether that be from your premises, from a customers’ premises, from home or on a mobile basis. You will also have temporary cover (up to 14 days) for work anywhere in the world excluding the USA/Canada.
This provides protection in the event that a customer or member of the public suffers a financial loss as a result of work or a treatment carried out by you in connection with your business. The standard limit under the policy is £10,000 but can be increased for an additional premium. There is a £1,000 excess (or 10% of the claim, whichever is greater) in respect of this cover.
Any financial loss suffered by a customer caused by injury or property damage would be considered under the Public and Products section of the policy.
Yes, at Salon Saver we understand that paying your insurance premium in manageable monthly instalments can really improve cashflow within your business. Providing your premium is more than £125 we can offer a monthly instalment plan at a very competitive rate.
Yes, Salon Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.
Don’t worry – if you are unable to find your treatment on our treatment lists, please contact us and we may be able to provide cover for you over the telephone. We have added our most popular trades and treatments online but there are lots of others that we may be able to help with.
You can insure up to 10 staff online including working partners and clerical staff. If you have more staff, no problem, please contact us and we can discuss your precise requirements.
Public Liability insurance provides protection against your legal liability for injury to third parties or damage to their property arising out of the operation of your business. The standard limit under our policy is £3,000,000 any one claim and there is an option to increase this to £5,000,000.
Products Liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by products that you have sold or supplied.
The standard limit under our policy is £3,000,000 in total for all claims in any one year and there is an option to increase this to £5,000,000.
Professional Treatment risk insurance is an extension to the Public Liability section of your policy and will provide cover for any injury to third parties or damage to their property arising out of any treatments you may undertake. The standard limit under our policy is £3,000,000 any one claim.
This extension is offered as standard on all policies covering the hair and beauty sector.
Malpractice insurance covers you for any injury to third parties or damage to their property arising out of any breach of professional duty provided by you. The standard limit under our policy is £3,000,000 any one claim made during the period of insurance and there is an option to increase this to £5,000,000.
The policy also provides cover for libel and slander, breach of confidentiality and breach of copyright as standard.
This cover is offered as standard to all policies covering the holistic, complementary, counselling, health and fitness sectors.
Employers’ Liability insurance provides protection against your legal liabilities to pay compensation in respect of injury or illness suffered by your employees or trainees in the course of the business.
Employer’s Liability insurance is a legal requirement if you employ any staff. This includes those who employ trainees or voluntary workers. If you are a limited company and the only employee is also the sole Director, you do not need to purchase this insurance. You also do not legally need to purchase the insurance if you are a family run business and the only employees are close family members.
Yes. We can provide cover for your stock and business equipment (excluding mobile telephones and computer equipment) anywhere in Great Britain, the Channel Islands or the Isle of Man. Online, cover is available for up to £10,000 of equipment and higher limits are available by contacting us for a quotation. The level of excess and maximum amount we will pay for any one item will vary dependent upon the limit of cover selected. Please note that cover excludes theft from an unattended vehicle.
Yes. We can provide cover for up to £500 of business money and this will include cover for assault up to £25,000.
Legal expenses insurance provides cover for your legal costs and expenses for a wide variety of legal problems you may become involved with. There are two levels of cover available:
Silver Cover
£100,000 cover for Tax Protection. This includes covers for Tax and VAT investigations by HMRC. 24 hour legal, tax and counselling assistance helplines and access to a ‘free to use’ legal services website.
Gold Cover
This is a comprehensive legal expenses package providing £100,000 of cover for the following:
As a therapist, your hands are the most important tool you have! For a small additional premium we can cover you for up to £10,000 if you were to lose a hand or digit.
If you employ staff and pay them over the tax threshold, you will have been allocated an Employers Reference Number (ERN), also known as your PAYE reference. All insurers providing Employers’ Liability cover need to submit the ERN number to the Employers’ Liability Tracing Office (ELTO). ELTO has been set up so that insurers of companies can be traced in the event of a claim being made in the future.
You will only need to produce your certificates in the event of a claim. When you purchase your insurance you are declaring that you have a suitable qualification.
Click here to view our qualifications page.
If you don’t have a UK recognised qualification you will need to send translated copies of your certificates to us for approval. However, in the majority of cases, we will require you to complete a UK recognised course in order to provide cover.
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