Insurance FOR barbers

SPECIALIST BARBER INSURANCE FOR UK SHOPS

As a barber your business is potentially fast paced, busy environment to work in. Barbers are exposed to a number of risks and will need to make sure suitable insurance cover is in place.

We will help build you a packaged policy that’s specific to your barber studio and talk you through what areas you will need to consider.

GET IN TOUCH FOR YOUR NEW BARBER INSURANCE QUOTE

we'll build a packaged policy that’s right for your BARBER SHOP

EXAMPLES OF SOME OF THE COVERS YOU’LL NEED

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Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your studio. It covers the cost of compensation for personal injuries and loss of, or damage to property. For your sector this will be extended to include ‘treatment liability’.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your studio’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected adverse event. The main cover itself is property lead meaning there needs to be physical damage in order to claim. However there are some caveats to this in some of the extensions insurers offer. It aims to put your business back in the same position as you were prior to the event.

Examples of incidents may be fire, flooding or storm and we will usually provide cover for a period of either 12, 24, or 36 months depending on your businesses’ requirements and the type of property you are trading from.

Buildings insurance covers any damage to the building itself, including the main structure, outbuildings, and underground pipes. You may not be responsible for insuring the building if you are a tenant. You may have made alterations to the building as a tenant, such as new flooring, boilers and lighting. These would be covered under something called ‘tenants improvements’. You will need to confirm the rebuild cost in the event of a total loss. If you are unsure of this, we have a service to provide you with this information.

Contents insurance covers the cost of loss or damage to your business contents, including furniture, computer equipment, tools of your trade amongst other items not more specifically mentioned elsewhere.

This covers both retail and professional stock. You insure this for the cost to replace it, not what you sell it out at. It is worth noting that most insurers also automatically include a seasonal uplift for the festive period.

TYPICAL EXAMPLES OF CLAIMS THAT COULD ARISE

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Many barbers are situated underneath other businesses or residential premises with no association to them. A common claim for this reason can be damage to a restaurant’s contents from water that has escaped from a burst pipe upstairs.

Speak to us and we’ll discuss in more detail about other covers you may want to consider when insuring your barber shop, such as directors and officers, legal expenses, and employee dishonesty insurance.

NOT SURE WHAT COVER YOU REQUIRE?