Just like every insurer is different, so are the varying levels of cover on offer, but packages can be tailored to your business needs.

For example, if you opt for a salon insurance package but need extra flood insurance because your salon is in an area with a flood risk, then it’s best to speak to someone who can help to get this arranged.

Get in touch with our knowledgeable insurance team at Bionic, who can help you sort the right insurance package. Start a quote online today.

In a standard beauty salon insurance policy, you can expect insurance cover for:

• Public liability
• Product liability
• Treatment risk
• Stock and contents
• Business interruption
• Legal expenses

An excess is an amount of money you pay towards any claim you make on your insurance.

For example, if your excess is £100 and you make a claim worth £1000, your payout will be a maximum of £900.

Different policies have different levels of excess. But generally, the higher the excess you pay, the more the policy will pay out in the event of a claim. If you choose to pay a higher excess, it’s likely to cover more costs, which can lead to a lower insurance premium.

Your salon insurance package can be tailored to cover all your employees. Speak to the insurance team at Bionic today, who can help you find the right insurance provider.

This is simply a certificate that proves you have public liability insurance in place and outlines the key details of your cover.

Not necessarily. Unlike employers’ liability and motor insurance, public liability cover isn’t a legal requirement and so many insurers won’t provide a certificate. Speak to your insurer if you need a PLI certificate.

Public liability insurance only applies to injury and property damage claims made by people who don’t work for you. It doesn’t cover workplace personal injury, injuries your employees suffer, or damage to your property.

Yes. Public liability is tax-deductible as it is classed as a business cost that’s included in HMRC’s definition of allowable expenses.

Public liability insurance covers you against damage claims made by members of the public, while employers' liability insurance covers you against damage claims made by your employees. Another difference is that public liability insurance isn’t a legal requirement, but employers’ liability insurance is required by law if you have employ one or more people.

When taking out insurance, it’s important you include cover to protect against the biggest risks to your business. Here are some other types of business insurance that could be useful:

• Business equipment insurance
• Business interruption insurance
• Commercial property insurance
• Employers’ liability insurance
• Legal expenses insurance
• Product liability insurance
• Professional indemnity insurance
• Property maintenance insurance
• Stock insurance
• Tradesperson insurance
• Workshop insurance