As a tragic and unpredictable part of modern life, terrorist attacks are a constant low-level threat which businesses in any sector need to be mindful of. In the wake of the 1992 change in the law which prevented companies from making a terrorism insurance claim on their property or public liability cover, businesses now need to add on separate cover to ensure they are protected if their livelihood is affected by an attack in the vicinity of their premises.
Even if your salon is not within the direct range of an attack, there are issues your business may face if a terrorist incident takes place in the wider area in which you operate. For example, you and your customers may be left unable to access the salon due to transport restrictions or, if your premises were within a targeted zone, your customers and staff may be less willing to travel there. No matter the consequences to your business, Salon Gold’s terrorism insurance can offer financial protection against all manner of incidents and keep your business safe during times of great public uncertainty.
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Our terrorism cover includes:
This cover is an optional cover for all salon insurance customers and is not available for our freelance or mobile customers
Terrorism insurance is an optional cover available under all Salon Gold salon policies. Your salon will be eligible for our terrorism insurance if it is located within the United Kingdom, Channel Islands, or the Isle of Man.
Terrorism insurance is one of our optional covers which can be purchased in addition to our core policies, which provide comprehensive protection against a range of common issues faced by businesses like yours. Public liability insurance, for example, allows you to make a claim if a member of the public has sustained personal injury or property damage due to your business’s day to day operations, while products liability insurance offers similar protection against claims related to products you sell. If you hire a team of staff to run your salon, you are legally required to hold employer’s liability insurance, which keeps you financially protected if one of your team sustains an injury as part of their work.
In addition to these core policies, we also offer treatment risk cover to all our clients, which accounts for any personal injuries or property damage which may have been caused while you are providing your everyday services to customers, such as being cut by scissors during a trim, or an allergic flare from hair dye.
Whatever cover your business needs, joining Salon Gold allows you to create a completely customised insurance package that offers your business the most comprehensive protection on the market.
Find out which insurance policy is right for your business.
Are you a Student?
Do you own or manage a salon or business premises that allows access to the public (excluding salons based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a salon or business owner?
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.
Get a quoteDo you rent a chair in a salon or work on a freelance or mobile basis in the hair, beauty, holistic, or fitness sector?
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 quoteDo customers visit you at home for their therapy or treatment?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased 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
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 40 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!
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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.
TreatmentsAlthough many people would hear the phrase “terrorism insurance” and understandably assume it related solely to property damage, these policies can cover far more than just recouping costs for structural repairs. For example, if the area where your salon is based is cordoned off for an extended period of time, your terrorism insurance would be able to offer financial compensation for interruptions to your day to day business operations.
There is no formal terrorism risk insurance act in the United Kingdom. Instead, following the April 1992 bombing of the Baltic Exchange in London, insurers began to no longer include terrorism coverage in their wider commercial insurance policies. As of 1993, the Pool Reinsurance Company was founded as a collaboration between the insurance industry at large and the British government, to ensure that any financial losses sustained as a result of an act of terrorism would be covered.
Most freelancers do not operate from a premises so will not have a need for terrorism cover. However, if you do rent a premises, you will need a salon insurance package to ensure you are properly covered and you can add terrorism insurance on to the salon insurance package.
