Commercial Express Launches Hair and Beauty Scheme

Commercial Express is delighted to announce the launch of our new Hair & Beauty product, designed specifically for hairdressers, barbers, and beauty therapists who work in mobile, freelance, home-based, or rented room settings, as well as for individuals and companies owning or operating hair, beauty, nail salons, and studios.

This a flexible material damage and liability (including treatment) insurance product that can be tailored to suit the demands and needs of most hair & beauty businesses. In addition, there is the option to extend cover to include legal expenses and/or terrorism cover.

This new Hair & Beauty product  is set apart from other providers, as we offer greater flexibility for Hairdressers and Barbers in the application of our Patch Testing Condition. Where most insurers state that the client must strictly adhere to “manufacturer recommendations”, Commercial Express will cover the client subject to compliance with the tests and procedures recommended by the colourhouses and/or Colourstart (subject to being an approved Colourstart account holder)

The Minimum Premiums for Commercial Express’ Hair and Beauty insurance are as follows:

  • Mobile & Freelance / Working from home / Renting a room Insurance: £50 plus IPT + Fee
  • Salon and Studio Insurance: £275 plus IPT + Fee

We offer a wide range of automatically included Hair and Beauty treatments within our insurance coverage. Professionals can benefit from coverage for treatments such as Micro-needling, Glycolic Acid Peels, Ear-piercing using the gun and stud method, Electrolysis, Massage, Waxing, Hopi Ear Candling, and much more.  See full list here.

The scheme provides a standard limit of indemnity of £2m for Public/Products Liability, with the option to increase the limit to £5m. Additionally, it includes Treatment Cover with an inner limit of £2m and Employers Liability coverage with a standard limit of £10m.

“We are delighted to introduce our new Hair and Beauty scheme, which provides coverage and tailored solutions for professionals in this dynamic industry,” says Tom Bolstridge, Head of Underwriting at Commercial Express. “At Commercial Express, we are committed to meeting the evolving needs of our clients and delivering innovative solutions.”

Commercial Express takes pride in offering industry-leading solutions and exceptional service to our clients. Their Hair and Beauty insurance scheme exemplifies their dedication to providing peace of mind to professionals in this thriving sector.

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