Business Interruption Insurance

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Business Interruption Insurance

What is business interruption insurance?

Business interruption insurance (sometimes referred to as business continuity cover) is a specialist policy designed to protect you from a range of costs in the event that your business cannot trade for a period of time.

What protection can business interruption insurance offer?

When something goes wrong, a business will typically have business premises and contents insurance cover in place to repair or replace items that are damaged. But what about the more hidden costs? It might take days, weeks or even months to repair damage to your business property and equipment in the event of a fire or flood, for example. Business interruption insurance can provide protection from the costs that arise as a consequence of disaster taking place.

  • Loss of business earnings while unable to trade normally
  • Staff wages covered when business cannot trade
  • Loss of rental income

It’s also conceivable that something happens at someone else’s business that creates a business interruption issue for you. A fire at a key supplier might mean that you have to halt production because you haven’t got access to a key component or part, for example. Alternatively, it may be that a nearby premises has an issue – a gas leak or explosion, which means that your business is affected, too. Again, a Business Interruption Insurance policy can accommodate this situation, protecting you where you cannot trade effectively.

Insurance for increased costs of working

It’s possible that you have to relocate your business temporarily while your premises are being repaired. It may be that you have to hire in equipment and machinery because what you own has been damaged or destroyed. Business interruption can provide cover in this situation, where you incur additional costs, and protect you from the increased outlay that you face.

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Beauty salon insurance

Bespoke insurance and risk management programmes for all sizes of business

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Claims Examples

If a customer was injured as a result of a treatment by the fault of your employees then your public liability insurance would normally cover the liability.

If your premises was to burn down due to faulty equipment e.g. hair straighteners then your insurance package would normally cover the building, any lost business and any stock on site.

Along with your standard beauty salon insurance cover of property damage, public liability and employers’ liability, we have packages that offer the following benefits:

  • Colouring, tinting, dyeing (specialist treatments to the hair and scalp, manicures and pedicures, ear & nose piercing by stud gun method)
  • Bleaching of Hair & Body Hair
  • Alkaline Skin Wash (Desquamation)
  • Body Brushing
  • Exfoliation
  • Biochemics
  • Body Wrapping
  • Camouflage Make up
  • Cellulite
  • Treatments/Endermologie
  • Colour Therapy
  • Crystal Therapy
  • Day & Evening Make up
  • Face Masks
  • Eyebrows & Eye lashes
  • False Tanning/Spray Tanning
  • Glycolic Acid Peel
  • Hand and Foot care
  • Hope Ear Candles – Thermo Auricular Treatment
  • Manicure/Nails Extensions & Nail Art (Tips /Overlays Nail wraps/ Sculptured Nails)
  • Light Therapy/O-LYS Light System Micro Epidermal Abrasion
  • Oxygen Facials
  • Pedicure
  • Paraffin Wax Treatments
  • Steaming (Facial)
  • Ear and Nose Piercing performed by stud gun
  • Sauna and Turkish Baths
  • Sunbeds and Solaria
  • Electrical Slimming/Body Toning/Faradic Muscle Toning/Micro Current
  • Acupressure
  • Alexander Technique
  • Aromatherapy & Massage
  • Ayurvedic Massage
  • Bowen Technique
  • Craniosacral Therapy & Manipulation
  • Daoyin Tao Massage
  • Eastern Head Massage
  • Thai or Indian – No oils used
  • Facial Massage
  • Full Body Massage
  • Lymphatic Drainage
  • Swedish Massage
  • Hot Stone Massage
  • Hydrothermal Massage
  • Infra Red Treatment
  • Ishta Spinal Touch
  • Jin Shin Jyutsu
  • Mechanical Massage/Toning Tables
  • Reflexology
  • Reiki
  • Shiatsu Massage
  • Thai Massage
  • Tui na
  • Wat Po Thai Foot Massage
  • Electrical Epilation (Electrolysis) & Galvic epilation
  • Sugaring
  • Threading
  • Tweezing
  • Waxing
  • Business Interruption Cover
  • Personal Accident Cover

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For independent advice and fast quotes for your beauty salon insurance

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Insure with us and you’ll also have access to value added services including:

  • A dedicated account handling team ready to assist with any queries you may have.
  • Full legal expenses cover included incase proceedings are raised against you.

BJP use a full fact-finding service to establish your full beauty salon insurance demands and needs in order to offer you the most comprehensive insurance at the most competitive premiums. Our experienced broking team utilise a complete panel of insurers and utilise this service to provide further discounts to premiums.

BJP are an independent business insurance and commercial insurance broker. We specialise in obtaining insurance quotes from a wide range of different insurers to ensure that we get the best possible beauty salon insurance insurance cover at the best price. Our brokers have lots of experience in setting up Beauty Salon Insurance to meet our customers’ requirements.

To receive a quote, or to seek advice from one of our insurance advisers about Beauty Salon Insurance, please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements. Or you can call us on 0345 365 2121 to obtain further information or for a full quotation to suit your needs.