BARBER SHOP INSURANCE
Insurance for barbers is an important extension of your business.
It can provide coverage for a range of liability claims that your customers or employees could make against you, it can also cover your contents against theft, fire or other damage.
Aldium are insurance specialists who help protect a wide range of businesses. Our experts will talk to you about you and your business to help idenitfy the areas of cover you require and search the market for you to find the right cover at the right price.
WHAT DOES BARBER SHOP INSURANCE COVER?
Your insurance for your barber shop will cover a number of different sections, some of our key covers can include:
BUILDINGS COVER
If you own the building your business is in, This will compensate you for the cost of rebuilding, repairing or renovating your property in the event that it is damaged by an insured peril such as fire or flood.
CONTENTS COVER
Your barber shop will be full of different types of business contents, This can cover such items as tills, laptops, product, barber kits, barber chairs, fixtures and fittings.
EMPLOYERS’ LIABILITY
Employers’ Liability Insurance is a legal requirement if you employ anyone. This will cover you for any compensation amount and legal costs if an employee claims compensation for a work-related illness or injury.
PUBLIC LIABILITY
Public Liability covers your business against claims to cover damages and legal costs that people may make against your business. These claims may arise from; Customers, suppliers, members of the public or visitors.
BUSINESS INTERRUPTION
Business Interruption cover is an insurance coverage that replaces income lost in the event that business is halted due to direct physical loss or damage such as fire or flood.
BUILDINGS COVER
Commercial Legal Expenses is generally designed to assist you in getting expert legal advice for circumstances such as an employment tribunal or a contract dispute. It could provide cover for legal representation and cover for legal expenses in the event of a claim made against you.
DO I NEED INSURANCE FOR MY BARBER SHOP?
An insurance policy has a core purpose which is an arrangement by which a company undertakes to provide a gurantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.
Insurance for your barber shop will contain a combination of many common covers found in most commercial insurance policies.
It may also be a requirement of your lease or other contracts that you have certain insurance covers. The local council may also request proof of public liability insurance depending on your location.
If you have any employee’s then it is a legal requirement that you have employers’ liability insurance.
