Employer's Liability Insurance

Employer’s Liability Insurance

Enjoy instant protection when you take out employer’s liability cover with Salon Gold

Employers’ Liability: Protect Your Business and Livelihood

No matter how aware you are of health and safety issues in your workplace and despite your best intentions, accidents can and do happen. Someone who works for you could slip or fall, have a scalding hot drink spilt on them, suffer a reaction to products they work with, or just have a freak accident that no one could foresee. Then there are also chronic problems that develop slowly over time and stress-related conditions that an employee might say is due to their work. In any event, you are legally responsible for the safety and wellbeing of everyone who works for you. This is why employers’ liability insurance is a key part of your business policy.

These issues apply to permanent members of staff who work full time for you, but also to a friend or someone you know really well stepping in to help you out for a short period. There’s always the chance of a genuine mishap or of being wrongly accused. When life throws you a curveball, you need to make sure you’re not caught out.

What is employers’ liability insurance?

Whether you work from a salon, a clinic, a gym, or from your home, Salon Gold employers’ liability insurance has you covered.

The legal requirement is £5m but the Salon Gold cover is £10m to make sure you’re protected.
If a claim for compensation for an injury or illness is brought against you, employers’ liability insurance will meet the cost of any compensation that you are ordered to pay, together with the legal fees and expenses. Even if a situation arises in which you are not at fault, this cover will avoid having to pay hefty legal defence fees from your own pocket.

When you take out or renew your business policy, you’ll get a certificate of employers’ liability insurance. You have to display this where your employees can read it, or you can display it electronically as long as your staff can access it easily. You’re not obliged to keep copies of old certificates but it is still very important to keep full records of your previous insurance in case any of your employees make claims relating to injuries or illness caused in the past.

If you take out a Salon Gold salon policy, you will get employers’ liability insurance automatically. However, if you have a freelance/mobile policy, you may well not have anyone working for you, so employers’ liability is an optional extra cover that you can add if you need it.

Which type of Salon Gold policy do I need?

Find out which insurance policy is right for your business.

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Are you a Student?

Yes
No
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Based on the information provided we would suggest our Student policy.

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Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?

Yes
No
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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a salon or business owner?

Yes
No
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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Our covers

We offer some of the most comprehensive insurance policies in the hairdressing, beauty, holistic, health & fitness and counselling sectors. Specialising in salons and fixed premises, as well as mobile and freelance businesses, Salon Gold insurance has been trusted for over 35 years, with prices you won’t find on a comparison site!

The automatic covers in our policies include everything you will need to ensure the dream you’ve worked so hard for is secure. But we also offer a range of optional covers that might be suited to your business’s needs — at competitive rates.

Explore our covers in our covers hub or get a quick online quote now!

Our treatments

The Salon Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Employer’s Liability Insurance FAQs

Is employer’s liability insurance compulsory?

With very few exceptions, employers’ liability insurance is a legal requirement for businesses with one or more employees. Employers who don’t hold this insurance may face a fine of up to £2,500 per day until the policy has been purchased.

What does employer’s liability insurance cover?

Employer’s liability insurance covers compensation payments in the event that an employee sues you for an illness or injury directly related to their job. This insurance will cover the costs of medical expenses, legal fees, and lost income, so you won’t have to worry about footing the bill.

How much employer’s liability insurance do I need?

You usually need at least £5 million of employers’ liability insurance to comply with the law. The Salon Gold policies give £10 million to ensure you’re protected.

Do I need employer’s liability insurance for self-employed staff?

Whether or not you need employers’ liability insurance for a person who works for you depends on your contract with them, your relationship with them and the amount of control that you have over the work they do. You’ll need to have cover if you deduct national insurance and income tax from their wages, if you control where, when, and how they work, supply materials and equipment for the job, and if their work means that they must carry out the service themselves – i.e they cannot employ a substitute if they’re unable to do the work.

If you rent out space in your salon to a freelance hairstylist or beauty therapist, you may not need employers’ liability insurance, but this will depend on factors such as tax, who supplies the equipment, and whether or not they work exclusively for you.

Should a certificate of employers’ liability insurance be displayed?

You legally need to display your employer’s liability insurance certificate and give your employees access to it. This can be as a physical or a digital copy.

Can employees make a claim against me if I become bankrupt?

Even if your business goes into liquidation, employees who fall injured or ill due to your negligence as an employer can make a claim against the business. This is why it’s crucial to have an insurance policy in place to protect you against any claims that may be made so you won’t have to pay the bill in full.

Who needs employer’s liability insurance?

If you run a business and have 1 or more employees, you will legally need to hold employer’s liability insurance. However, if your business is a limited company with one employee owning at least 50% of any issued shared capital, you are under no obligation to take out employer’s liability insurance cover. There is also an exemption if you only employ certain close family members.

How much is employer’s liability insurance?

The cost of your employer’s liability insurance will depend on the number of staff you have.  The more staff you have, the higher the premium. Get a quote online now, with instant cover.

Why is employers’ liability called long tail insurance?

Employees or ex-employees can bring a claim against an employer years after an incident occurred if it subsequently led to an injury or illness later on, for example, a chronic back problem that developed slowly. You will be asked to prove that you were insured at the time of the cause. Details and dates of cover can be found on an employers’ liability insurance certificate. (If the appropriate insurer cannot be traced, the company may well be ultimately responsible for the loss). The term long tail insurance reflects the sometimes long interval between the cause of illness and the time that it becomes apparent.

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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