Taking into consideration that you could have to pay out extortionate and hefty court and compensation fees for any damage or injuries caused by you as a Barber, public liability insurance could be the cover to help protect your business.
Here at Performance Direct, we take pride in our attention to detail when creating a tailor made insurance policy for our customers. Be it for home, car or business, we specialise in dealing with the ins and outs of the insurance market, helping to protect your business with the correct level of cover.
What is Public Liability Insurance?
Public liability insurance could potentially provide a level of protection that is highly needed to cover your business from claims that arise from third parties.
Although not a legally an essential requirement, public liability insurance is something that should be greatly considered and is quite favourable amongst small businesses. Whether you’re a self employed Barber, or you run your own Barbers/Salon, adding that extra level of cover can provide safety and assurance.
When running a business or having a profession such as your own, as a Barber, contact with members of the public recurs on a daily basis essentially meaning that a claim could arise at anytime due to an accident, damage or loss to members of the public.
Having the correct level of public liability coverage in place can make all the difference should a member of the public make a claim against you due to an accident of negligence from your business, having to pay out extortionate court and compensations fees could see your business go bust.
Although, as previously mentioned, Public liability insurance isn’t a legal requirement for your business, Employers liability insurance is. If you own your own Salon/Barbers and hire employees, trainees/work placements or temporary contractors, then you will need to take out employer’s liability insurance as an imperative legal requirement.
Should an employee have an accident on the premises of your business, or whilst on third part premises carrying out a job for a customer with or without your supervision, you could be left liable should they suffer a loss, damage to property or accident/injury.
If you do not have employers liability cover in place or would like to see if we can in fact save you time and money on your existing employer liability policy give us a call today on 01708 572 494 to retrieve a quotation and talk through all the steps with one of our specialist advisors.
How can public liability insurance help me?
Public Liability Insurance can protect you from endless accidents that could occur whilst carrying out daily jobs as a Barber. Should a claim be made against you from third parties due to a public claim, that extra level of protection could make all the difference to you and your business should you need to pay out.
Accidents can occur at any time and, although not necessarily intentional, should a customer or third party member be injured, suffer a loss or receive damage to their property, you could be held liable. If claims can’t be settled between insurers, the claimant could take the incident to court, where larger fees are applied.
There are several instances where claims could arise when having a profession such as a Barber.
If you own your own salon, several examples of claims that could arise could be: Soap dripping into customer’s eyes when washing their hair, causing a potential injury. Water spillage from hair wash stations or a customer’s wet hair, leaking onto their electrical products/property.
A customer tripping over loose hanging electrical leads from equipment such as hair clippers, straighteners or hair dryers could cause an injury to the third party or damage to your own equipment. Sharp equipment, for example scissors, could potentially cut and injure the customer or in some way yourself. Hair dye on clothing or garments could cause loss or damage to the customer’s property.
If you are a mobile Barber and travel to customer’s homes, then carrying out the duration of the job on their premises can mean that you are also openly liable should an incident or loss occur.
If any of the above examples have happened to you in the past and you have been lucky enough to escape a claim, or you feel as though one of the above examples could potentially happen to you, then taking out a public liability policy will protect you should you encounter any of them.
How is my public liability insurance calculated?
Premiums for public liability policies can differ from between business to business and there are multiple factors that that the premiums are based upon. The nature, size and structure of your business could all have an effect on the premium of your public liability policy.
There are multiple schemes available across the insurance market, even for business cover such as public liability. As a specialist broker, here at Performance Direct, we search that market for the best discounted schemes for you, ensuring that you not only have a tailor made policy suited to your business, but one that saves you time and money as well.
Performance Direct’s aim is to deal with all the ins and outs of creating a public liability policy for you as a Barber. Whilst providing care and assurance, we understand that having the correct cover in place is important should you need to make a public liability claim, why not call us today on 01708 572 494 to protect your business.
