Hair Salon Horror Stories You Are Not Likely to Hear About Unless You Are in the Business
Owning and operating a hair salon can be an exciting and rewarding line of business, but the average patron just doesn't understand all the things which €can' go wrong and have gone wrong from time to time. There are so many horror stories which most salon owners have faced from time to time, and unfortunately, unless they had adequate UK salon insurance cover, they paid dearly out of pocket. The fact of the matter is that some types of cover are mandated by UK rules and regulations, but others are optional and it is those which should always be carefully considered.
Every Stylist's Nightmare
Within the past several decades hair treatments have become safer than ever before. Most are designed to be safe if used correctly but there will be that off-chance that a particular patron withholds information which is vital to the safe usage of a particular chemical formulation. For example, there are medications which do not react well with permanent solutions or straightening products and this could do damage to the delicate hair follicles. What would you do if one of your stylists used a chemical hair straightener on a patron and that customer's hair fell out?
This has happened in the past and costly law suits ensued. If a stylist working for you was found negligent, this could cost your salon a small fortune if you didn't have adequate cover.
Cover vs. Cost
Most UK salon insurance policies cover buildings and contents for such things as theft, fire, flood and even storm damage. That is a given. However, do you have a policy that has low excess? Also, what about public liability and product liability? If you, even unknowingly, put a defective product on a consumer, the manufacturer may be held liable but as a professional so will you! If cost is your main priority it is important to consider what you might need to pay out of pocket if there was a loss of any kind. Actually, the best way to keep costs affordable is to raise the amount of excess. Don't let cost keep you from buying enough of the right types of cover.
Instead of letting one of those horror stories put you out of business, make sure to buy good insurance that will protect you from any type of loss. Even a small amount of damage can close your salon for a few weeks for repairs, but with good cover lost revenue can be fully compensated. Any successful business owner can tell you the importance of having good insurance.
Every Stylist's Nightmare
Within the past several decades hair treatments have become safer than ever before. Most are designed to be safe if used correctly but there will be that off-chance that a particular patron withholds information which is vital to the safe usage of a particular chemical formulation. For example, there are medications which do not react well with permanent solutions or straightening products and this could do damage to the delicate hair follicles. What would you do if one of your stylists used a chemical hair straightener on a patron and that customer's hair fell out?
This has happened in the past and costly law suits ensued. If a stylist working for you was found negligent, this could cost your salon a small fortune if you didn't have adequate cover.
Cover vs. Cost
Most UK salon insurance policies cover buildings and contents for such things as theft, fire, flood and even storm damage. That is a given. However, do you have a policy that has low excess? Also, what about public liability and product liability? If you, even unknowingly, put a defective product on a consumer, the manufacturer may be held liable but as a professional so will you! If cost is your main priority it is important to consider what you might need to pay out of pocket if there was a loss of any kind. Actually, the best way to keep costs affordable is to raise the amount of excess. Don't let cost keep you from buying enough of the right types of cover.
Instead of letting one of those horror stories put you out of business, make sure to buy good insurance that will protect you from any type of loss. Even a small amount of damage can close your salon for a few weeks for repairs, but with good cover lost revenue can be fully compensated. Any successful business owner can tell you the importance of having good insurance.
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