Our personal accident cover includes:
Salon insurance customers:
Personal Accident For Hands cover:
- Included as standard
- Cover provided for all directors and partners up to £10,000
- Additional staff can be added subject to an additional premium
FULL personal accident cover:
- Available as an optional extension
- 24 hour worldwide cover
- Weekly payments of between £50-£300 if you cannot work (temporarily) due to an accident
- Lump sum payments of between £10,000-£60,000 if you cannot work (permanently) due to an accident
Mobile & Freelance insurance customers:
- Personal Accident For Hands available as an optional extension
- FULL Personal Accident cover available as an optional extension
Personal accident insurance covers you when you’re involved in an accident that prevents you from working. The money you’re entitled to will be distributed either in weekly instalments, or as a single lump sum payment depending on the severity of your injury. Other key features of our personal accident insurance are:
- Cover for injuries and medical expenses incurred as a result of an accident
- Permanent and temporary disablement cover provided as standard
- Hospitalisation and fracture benefits
Our personal accident insurance can be arranged to cover the time you spend at work (including your commute), or on a 24-hour worldwide basis. The former means you would be covered at, or on your way to, work, while the latter means you’ll be protected anytime, anywhere. Your policy indemnity limit can be tailored to meet your specific needs, and also includes access to a counselling and information services helpline. You may decide to take out personal accident insurance for your employees too, ensuring that you receive a payout if a member of staff can’t work following an accident. You could use this money to continue paying them, or to recruit a replacement to cover them in their absence.
Whatever form of personal accident insurance you require, please note that these are optional covers which can be added on to any Salon Gold policy. The one exception to this is personal accident insurance for hands, which is automatically included in any policy for salon owners.
Every single Salon Gold policy features a number of covers as standard, such as public liability insurance and products liability insurance. These offer you financial protection if a customer’s property is damaged, or someone is injured because of an incident related to your business, or a product you’ve sold. Aside from these core automatic covers, we help you build your own personalised insurance package to give your business all the protection possible. For example, if you are the owner of a hair or beauty company, treatment risk cover will be extremely beneficial, as this pays out for any claims associated with the professional services you provide, for instance as the result of claims involving allergic reactions or burns. However, if you run a holistic, health or fitness company, malpractice insurance is more suitable, because this covers bodily injuries, and mental and psychological damage following physical procedures and advice.
