Hair & Beauty

Scheme: Ascot Group’s Syndicate 1414 at Lloyd’s / Axis Specialty Europe SE

Extensive Treatment Cover (click here to view)
Flexible Patch Testing Requirements
Accommodates Salons & Mobile Hairdressers/Beauticians
Training & Teaching Cover Included – we will cover a client that has teaching & training at their premises, however we do not cover the teaching & training itself from a PI perspective

The Hair & Beauty product is designed for freelance/mobile hairdressers, barbers and/or beauticians or individuals/companies that own a hair salon, beauty salon or barbershop. This product is available as a stand-alone liability policy for mobile hair and beauty professionals (including rent-a-chair arrangements), or a material damage and liability package product from those with premises that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit and book debts combined with public, products and employers’ liability insurance. Ascot underwrite the material damage sections and Axis underwrite the liability portion of the cover.

In addition, the product also provides the option to cover legal expenses and terrorism cover.

The product is not suitable for persons or companies that do not operate as a hair &/or beauty business.

Patch Testing

The new Hair & Beauty product from Commercial Express 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”, we will cover the client in other scenarios:

  1. If they follow the recommendations of colourhouses or vendors relating to the hair product; or,
  2. If they are an approved Colourstart® account holder, we will cover the use of “OK to be Colour” passports.

Minimum Premiums (Excluding IPT + Fee)

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

For further information on Limits and Exclusions please click here to download your policy documentation

Core Covers

  • Treatment Cover
  • Public Liability Cover
  • Products Liability Cover
  • Employers Liability Cover
  • Business Interruption Cover
  • Contents Cover
  • Stock Cover

Features & Benefits – Liability Sections

  • Treatment Cover – Up to £2,000,000 Limit of Indemnity
  • Unsatisfied Court Judgments Cover
  • Defective Premises Act Cover
  • Motor Contingent Liability Cover
  • Overseas Personal Liability Cover
  • Consumer Protection Act and Food Safety Act Cover
  • Compensation for Court Attendance Cover
  • Indemnity to Others Cover
  • Criminal Prosecution Costs and Inquests

Limit of Indemnity

  • Public / Products Liability standard limit of indemnity is £2m with the option to increase to £5m
  • Treatment Cover inner limit of £2m
  • Employers Liability £10m standard

Features & Benefits – Buildings, Stock & Contents

  • Trace & Access Cover – Up to £2,500
  • Underground Services Cover – Up to £25,000
  • Capital Additions Cover – Up to £250,000
  • Removal of Debris Cover – Up to £25,000
  • Locks and Keys cover – Up to £1,000
  • Architects, Surveyors and Legal Fees – Up to £25,000
  • Loss of Metered Water Cover – Up to £2,500
  • Rent Payable Cover
  • Damage to landscaped Gardens Cover – Up to £1,000
  • Garden Furniture Cover – Up to £500
  • Public Authorities Legislation Costs Cover
  • Automatic Reinstatement Cover
  • Sanitary Ware Cover

Features & Benefits – Business Interruption

  • Increased of Working Cover Included
  • Denial of Access Cover
  • Loss of Utilities Cover
  • Suppliers Cover
  • Closure of Premises Cover
  • Accountant Fees Cover
  • Automatic Reinstatement Cover
  • Alternative Residential Accommodation Cover

Optional Extras

  • Legal Expenses Cover
  • Terrorism Cover
  • Work Away Cover
  • Portable Equipment & Stock Cover
  • Shopfront Glass, Canopies & Signs
  • Buildings Cover
  • Goods in Transit
  • Money Cover
  • Personal Assault Cover
  • Book Debts Cover

Insurer Rating

Insurer

AM Best

S&P

Ascot Group’s Syndicate 1414 at Lloyd’s

Axis Specialty Europe SE

A

A

A+

A+