Barber Shop Insurance

Our barber shop insurance package has been created with your business as a barber at its heart.

What benefits are available?

There is a mix of standard covers and optional covers, so you can tailor the barber shop insurance policy to what you need.

Standard Covers

Public Liability Insurance
Unfortunately accidents do happen to people and property at your premises. This policy provides a limit of indemnity of £2 million just in case the unexpected happens.

There is an option to increase the limit to £5 million too if required.

Income Protection Insurance
Should a disaster happen like a serious flood or fire, this cover is provided to help get the business back to the financial position you were at before the disaster happened. Gross profit starting from £2500,000 for a 12 month indemnity period is provided. The limit or length of time for the indemnity period can also be increased to suit your business.

Personal Income Protection Insurance (optional cover)
If you fall ill or suffer an accident this cover will replace your income.
Starting at just £7 per week this will cover your entire working career and give you a monthly benefit.

Money
We understand that during the working day there is cash on your premises, so this policy provides covers you if something happens to your cash on your premises both during business hours and out of business hours. There is also personal accident cover for you and your staff if you were assaulted whilst in charge of money.

Shop Contents
You choose the sum insured and the policy provides cover on a replacement as new basis.

Glass Cover
For your shop front and windows.

Employers’ Iiability Insurance
£10 million limit of indemnity is provided which would cover your legal requirement to provide protection if you employ anyone, including apprentices.

Legal Expenses
Covers you for legal expenses arising out of any contract disputes.

Optional Covers

In addition to the standard covers, we can offer a variety of additional optional covers which truly provides a bespoke barber shop insurance solution for you.

Buildings Insurance
You choose the sum insured which reflects the cost of rebuilding your premises, and you can add additional cover for Subsidence too.

Treatment Risk
This an optional cover designed with your occupation in mind. While we understand that you and your staff provide a professional service to your customers, occasionally things can go wrong. This extension provides cover for liability arising out of additional treatments such as cut throat wet shaving, waxing and hair singeing offered by you.

All risks on specified items 
If you go to exhibitions or demonstrations you want confidence that the contents and equipment you are taking from the shop are covered whilst you are at the exhibition. The policy can be extended to include this for you.

These are just a few of the optional covers available and we would recommend discussing your specific needs with one of our experienced advisors so the barber shop insurance policy can be fully tailored to your requirements. Make it a cut above the rest!