Terrorism Insurance

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.

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.