If you own a hair salon, beauty salon or a barbershop – you’ll be really pleased to know that we’ve put together a specialised business insurance product to cover your business against all the risks typically associated with your industry. It goes without saying that you’ll be able to cover your contents items separately from your fixtures and fittings; that you can insure all your electronic equipment; cover your retail and display stock at your premises; insure defective products sold or supplied; and that you’ll also be able protect your business against financial loss when your business is interrupted.
Public liability and professional indemnity
OUT-of-the-office takes care of any loss or damage to items that you’d usually use or take outside the office. In your case, this may include instances where you’d be working at functions, weddings or when you do the occasional home visit. It even takes care of any loss or damage to stock samples when you attend a trade show.
If you’re renting the business premises, your lease agreement will probably stipulate that you’ll be held responsible for any damage to the landlord’s fixtures and fittings. Since you’re using hot water for washing and setting on a frequent basis, you’d definitely want to make sure you’re properly covered against damage caused by a burst geyser. At OUTsurance, we’ll gladly assist you to make sure you’re properly covered for any damage to the structure of the building as well as any fixtures or fittings – including the geyser. As a bonus benefit, we’ll also provide cover (at no extra cost) in case the garden gets damaged.
Our buildings section makes provision for any accidental and malicious damage to fixed glass, mirrors and sanitary ware. We believe that this cover option will prove especially useful in your type of industry where glass shop fittings are prone to accidental damage. This option also covers sign writing on the insured glass and mirrors.
Styling implements and moveable furniture play an integral part in the functioning of barber shops, beauty salons and hairdressers. Contents cover takes care of any loss or damage to moveable items that remain at the risk address. If you’d like, we can also cover these items against accidental damage.
At no extra charge, you’ll automatically receive the following bonus benefits:
OUTsurance will cover all your electronic equipment (e.g. point of sale systems, computers, audio visual equipment or other expensive, specialised electronic items) against accidental damage. So, even if a client accidently damages the electrolysis machine by knocking this off the massage bed – or if a member of staff drops the credit card machine off the counter while performing a transaction – you’ll be covered.
Due to the fact that you’re using machinery such as hooded hair dryers, hydraulic barber chairs, or sunbeds on a daily basis, chances are that the mechanical components will need to get replaced or repaired quite often. OUTsurance will gladly help you put cover in place to ensure that you’ll be covered in case any of these fail to work properly because of mechanical, electrical or electronic breakdown.
Our business interruption product covers the financial loss that you may suffer due to the interruption of your business. We also offer optional theft cover where you’ll be covered in case any machine or electronic equipment item is stolen. Without charging you one cent extra, we’ll even assist with the cost of advertising material (e.g. pamphlets) to help you get back on your feet as soon as possible.