It doesn’t matter if you haven’t manufactured the product that caused the problem. If you sell or supply it, you are still legally responsible for the injury or damage it causes. This is why products liability is a key feature of the insurance you need to avoid being faced with a substantial claim that your business would struggle to pay. We provide it automatically when you take out your Salon Gold policy. Our cover applies across the United Kingdom, Channel Islands, and the Isle of Man, as well as up to 14 days’ temporary protection if you are doing work abroad (excluding the USA and Canada).
We don’t just provide products liability insurance as part of our automatic cover—public liability insurance is also included as standard. This keeps you financially protected if your work causes harm to a customer or third party, or damages their belongings.
Financial loss insurance is also included as part of your products liability insurance policy, so if your business finds itself losing money for reasons which are unrelated to any damage to property or personnel, you’ll be able to claim those finances back. If damage is the cause of any financial loss, this will be covered by your public liability policy.
You are also entitled to treatment risk cover under our standard policy, which is designed for health and beauty workers looking for protection if any physical or psychological damage is caused as a result of any treatments or advice. This is equally beneficial to those working in holistic, health, and fitness industries, though cover for workers in this field is listed as malpractice cover.
