Salon & Shop Insurance that fits the way you trade
When you run a salon or shop, you see customers face to face every day. You depend on your stock, equipment, staff and premises to keep things running. If something goes wrong, it can quickly cost you time and money. That might be a break-in, an accident, a leak, broken glass or stolen tools or stock.
We help you find insurance that fits the way you trade. This could be a hair salon, beauty room, boutique, retail shop or small shop. Our aim is to help you protect what you have built.
Who this suits
Salon & Shop Insurance is ideal for:
Nail technicians and treatment rooms
Retail stores, boutiques and gift shops
Local retailers and independent shops
Specialist shops with high-value or “target” stock
Salons and shops based in commercial units, parades, markets or centres
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If your business has customers on site or stock on display, this cover helps protect it.
What your policy can include
We work with different insurers to shape your cover around your building or business space, the equipment and tools you use, the stock you hold, and the way you trade. The exact features depend on the insurer, and we’ll explain what applies to your policy and point out any important differences.
Core protection
Your policy can include:
Damage to the building or your business area
Cover for events such as fire, storm, flood or escape of water.
Cover for events such as fire, storm, flood or escape of water.
Contents and equipment
Cover for chairs, mirrors, counters, treatment beds and other fittings.
Cover for chairs, mirrors, counters, treatment beds and other fittings.
Tools
Cover for styling tools, beauty equipment and electrical devices you use for treatments.
Cover for styling tools, beauty equipment and electrical devices you use for treatments.
Stock
Cover for items you sell, as well as products used during treatments.
Cover for items you sell, as well as products used during treatments.
High-risk or “target” stock
cover for high-value items like electronics, fragrances, designer goods and medicines.
cover for high-value items like electronics, fragrances, designer goods and medicines.
Refrigerated stock or products
Cover for chilled or temperature-controlled stock, where required.
Cover for chilled or temperature-controlled stock, where required.
Tenants’ improvements
Cover for improvements you have paid for, such as new fixtures or décor, if you rent the premises.
Cover for improvements you have paid for, such as new fixtures or décor, if you rent the premises.
Public liability
Cover if you or your business are found responsible for accidental injury to a member of the public or accidental damage to their property.
Cover if you or your business are found responsible for accidental injury to a member of the public or accidental damage to their property.
Employers’ liability
Cover for injury to employees while working for you. The law usually requires this if you employ people.
Cover for injury to employees while working for you. The law usually requires this if you employ people.
Business interruption
Cover for lost income and additional running costs when insured damage stops you trading as normal.
Cover for lost income and additional running costs when insured damage stops you trading as normal.
Money cover
Cover for cash and takings at your premises or while in transit.
Cover for cash and takings at your premises or while in transit.
Glass and shop front
Cover for windows, glass, signs and external fittings.
Cover for windows, glass, signs and external fittings.
Documents and records
Cover for important physical records you rely on to run the business.
Cover for important physical records you rely on to run the business.
Optional extras
We help you decide what is useful and what you can skip.
Options can include:
Portable business items. Such as card machines, tablets or tools used away from your premises.
Cover for stock kept off site or in transit between locations or to events.
Accidental damage cover.
Cover for employee theft or dishonesty.
Legal expenses cover.
Equipment breakdown cover for key items such as electrical kit and treatment equipment.
Additional business interruption options, shaped around how your income is earned and costs are paid.
Professional treatment liability for hair and beauty services.
Loss of licence cover. Your business may rely on licences for alcohol, late nights or entertainment.
Cover for work away from the premises, such as mobile services, home visits or events.
Some specialist businesses or higher-value stock may need additional insurer review.
Salon & Shop Specific Points
Customer-facing businesses often have risks that standard policies do not cover . We help you understand:
- How insurers treat glass and front-of-shop exposure
- What counts as high-risk stock and how to insure it properly
- Whether your treatments need separate treatment liability cover
- How portable tools and equipment used away from your premises can be insured.
- How business interruption cover can support your business after a fire, flood or major damage.
- What your policy covers if you rent the building but have paid for interior upgrades.
How we help
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Step 1 of 4
You tell us about your business. You share details about your premises, services or treatments, stock, equipment and staff.
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Step 2 of 4
We compare insurers We find options that fit your risks, building type and trading style.
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Step 3 of 4
You review your options We explain what each quote covers, what is optional and what is important.
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Step 4 of 4
We arrange your policy Once you are happy, we set up your cover and send your documents.
We are here at renewal to review your cover. If you need to make a claim, we support you through the process. We explain the terms and exclusions clearly.
Why use a broker for Salon & Shop Insurance?
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We work for you, not for the insurers.
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We are local and understand island salons, shops and retail risks.
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We explain things clearly, with no jargon and no pressure.
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We help with stock, high-value items, glass, takings and treatments.