Shop and Salon

Overview
Our insurers' shop and salon products provide comprehensive cover for a range of trades. They're designed for smaller independent businesses, while being flexible enough to extend to larger businesses and those with multiple locations. There are also exclusive, specialist options for barbers, beauticians and hairdressers, covering a variety of treatments and hired equipment, as well as protection against the loss of liquor licences for relevant outlets.

Key Features
Typical cover:

• property damage, including seasonal stock cover increase for goods required during busy times of the year
• business interruption, including cover for loss of attraction, prevention of access and insurance in case an employee wins the lottery
• employer's liability, including automatic cover for work experience people and other trainees as well as employees normally resident in the UK while working temporarily overseas
• public and products’ liability, including wrongful accusations of shoplifting
• legal protection cover to protect a business in the event of a legal dispute, including contractual disputes and debt recovery
• money and assault
• property damage cover - is on an all risks or specified contingencies basis, including glass cover and trade samples or goods held in trust.

A range of useful, optional extras are available:

• 24-hour personal accident cover
• employee dishonesty
• frozen food
• loss of liquor licence
• liabilities arising out of professional errors for a range of treatments by barbers, beauticians and hairdressers.
• terrorism