Hairdressers & beauty salons

Let's help you make this world a prettier place

In a nutshell

You might think that a hairdressing business or beauty salon is low risk... Well, when compared to some other professions, they are. That's not to say that you don't face your own set of unique challenges and risks that could threaten your business. The truth is that accidents happen and bad things can even happen to good people, no matter how careful you are. Even if you're not responsible, a dissatisfied customer could sue you. We understand that hairdressing and beauty therapy are unique businesses that encounter treatment liability risks and hazards that other businesses don't share, and so, we've taken these into consideration when developing our unique business cover just for you.

Key benefits

Target market

Hairdressers & beauty salons cover

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  • Accounts receivable.
  • Cross liabilities.
  • Employees' & visitors' property.
  • Fire extinguishing charges.
  • Gardens, garden furniture & water features.
  • General liabilities.
  • Gratuitous advice.
  • Load shedding power surges.
  • Locks & keys.
  • Loss of water.
  • Power surges & lightning strikes.
  • Prevention of access.
  • Property temporarily removed.
  • Public authorities' requirements.
  • Public supply connections.
  • Rent & alternative premises.
  • Security costs.
  • Skeleton keys.
  • Spread of fire.
  • Tenant's liability.
  • Water heating systems & pressurised pipes.
  • Work away from premises.
  • Accidental damage.
  • Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included).
  • Business all risk.
  • Glass.
  • Goods in transit.
  • Hairdresser's extension.
  • Leakage by sprinklers, drenching systems of fire extinguishing equipment.
  • Leakage of oils/chemicals/fumes.
  • Machinery breakdown.
  • Malicious damage.
  • Motor: Passenger liability & unauthorised passenger liability.
  • Motor: Specified or fleet (deposit premium options).
  • Personal accident & stated benefits.
  • Products liability.
  • Riot & strike.
  • Security services.
  • Specified or unspecified suppliers, customers & sub-contractors.
  • Theft with & without forcible or violent entry/exit.
  • Treatment extension.