Salon Insurance
Standard Cover
For terms and conditions please click on the policy document. For relevant exclusions and limitations please click here.
Our retail insurance policy covers the following as standard:
- Business contents - Our policy covers your trade contents and stock, all you need to do is inform us of the value of the sums insured. This will cover you against a wide range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises.
- Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £500,000 with an indemnity period of 12 months is our standard cover.
- Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.
- Loss of liquor licence - If for any reason you lose your liquor licence due to circumstances outside of your control then we will cover you up to £100,000 against the depreciation in the value of your property and subsequent loss of profit.
- Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person who is not an employee or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.
- Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.
Standard Policy Benefits:
| Contents Extensions | Standard Cover Limit |
|---|---|
| Breakage or scratching of fixed glass and sanitary fixtures and fittings and repair of damage to the shop front (excluding illuminated signs). | Up to the amount of your contents sum insured |
| Damage to window frames following breakage of glass. | £500 in any one policy period |
| Damage to glass lettering or other ornamental work and alarm foil. | £500 in any one loss |
| Damage to external blinds and signs. | £1,000 in any one policy period |
| Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland. | £2,000 any one event |
| Replacement of locks following theft of keys from the shop or authorised private residence. | £500 in any one policy period |
| Loss of money: | |
|
£3,000 any one loss |
|
£3,000 any one loss |
|
£500 any one loss |
|
£300 any one loss |
| Outside business hours: | |
|
£1,500 |
|
£500 |
| Non-negotiable money (e.g. crossed cheques, credit card counterfoils). | £250,000 |
| Personal accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in course of the business. | Weekly benefit for disablement - £100 per week up to 104 weeks. £10,000 for death, loss of limb(s) or sight |
| Loss of freezer contents following accidental change in temperature. | £2,000 |
| Loss or damage to equipment the property of the National Lottery operator | Up to the amount nominated by you within the contents sum insured. |
| Seasonal increase - Automatic increase in stock sum insured during busy periods. | Up to 25% |
| Outside catering - cover against injury to the public and damage to their property including damage to your equipment as a result of an insured peril. | Limit for equipment £2,000 |
| Damage to property at exhibitions held in the United Kingdom as a result of an insured peril. | £2,000 |
| Loss of metered water directly resulting from loss or damage by an insured peril. | £2,500 any one claim |
| Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril. | £1,000 in any one policy period |