Shops & Salons Package Insurance
Shops & Salons Package Insurance provides comprehensive protection for businesses in the retail and beauty sectors, covering everything from property damage to public liability. Whether you own a boutique, hair salon, or beauty spa, this policy offers essential cover to safeguard your premises, stock, equipment, and staff. With tailored options, Shops & Salons Package Insurance ensures your business is protected from the unique risks associated with customer-facing industries.
Complete Cover for Retail and Beauty Businesses
Running a shop or salon comes with specific challenges, from the risk of accidents on your premises to the potential for property damage or theft. Shops & Salons Package Insurance is designed to address these issues, providing all-in-one protection to keep your business running smoothly. This policy covers your stock, equipment, and employees, ensuring that you can focus on delivering excellent service without worrying about unexpected financial losses.
Features and Benefits of Shops & Salons Package Insurance
Property damage cover: Protects your shop or salon premises from risks like fire, flood, and accidental damage.
Stock and equipment cover: Insures your stock and essential equipment, such as beauty tools, hairdryers, and point-of-sale systems, against theft or damage.
Public liability insurance: Protects your business from claims made by customers for injury or damage to their property while on your premises.
Employers’ liability insurance: A legal requirement if you have staff, covering claims for employee injury or illness at work.
Business interruption cover: Compensates for lost income if your business is forced to close temporarily due to an insured event, such as fire or flood.
Money cover: Provides protection for cash stored on-site or in transit to the bank.
What is Typically Covered?
A standard Shops & Salons Package Insurance policy may include:
Property damage: Covers damage to your building, fixtures, and fittings due to fire, storm, or other insured events.
Stock and equipment: Protection for your retail products, beauty tools, and salon equipment from damage or theft.
Public liability: Cover for legal costs and compensation if a customer is injured or their property is damaged while visiting your shop or salon.
Employers’ liability: Required by law if you employ staff, covering claims for workplace injuries or illnesses.
Business interruption: Compensation for lost revenue if an insured event forces you to close temporarily.
Money cover: Protects against theft or loss of cash held on your premises or during bank runs.
Common exclusions may include:
Wear and tear: General deterioration of equipment or fixtures due to normal use.
Unattended premises: Damage or theft that occurs when the business is left unsecured may not be covered.
Employee dishonesty: Theft by employees may require additional cover.
Each policy can be tailored to the unique needs of your shop or salon. Becks insurance brokers will work with you to create a package that fits your business's operations and risks.
Safeguard Your Business with Becks Shops & Salons Package Insurance
Ensure your shop or salon is protected with a comprehensive Shops & Salons Package Insurance policy from Becks Insurance Brokers. Cover your premises, stock, equipment, and liability under one flexible package. Book an appointment with a broker here or request a personalised quote online here.
