Barber insurance

Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone's property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves, or causing damage while carrying out building works on a client's house.

This insurance also covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick.

If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. We can offer cover from £1 million to £10 million.

Read more about public liability

Treatments liability insurance covers you if a client becomes ill or is injured because of a treatment you have performed. For example, if you accidentally cut a client whilst doing their hair.

Treatments covered as standard include:

• Washing, cutting, styling and drying of the hair, wigs or hairpieces
• Wet & dry shaving, including face massage
• Beard & eyebrow trimming or shaping
• Traditional Turkish ear hair flaming and nose hair waxing

Find out more about the treatments we can cover you for here.

Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.

Contents and stock cover is essential for businesses that supply goods or rely on specific equipment to run their business.

A seamstress would not be able to work without a sewing machine, a web designer would not be able to code without a computer and you may not be able to run your business without your trusty tablet.

Meanwhile, there will be other more general items that you might rely on for your business, like your office furniture or your shop tills. Insure your business contents so that if they're damaged by an insured event, such as fire or theft, your business keeps going.

If you sell goods, you'll want to insure your stock, whether that's raw materials or the finished article. If your goods are damaged or stolen, what have you got to sell?

Our different cover options allow you to insure your business equipment and stock at your premises, when you're on the move, or both. Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we've got you covered. And when you insure stock at your premises or home, you'll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles, or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.

Premises cover is important if you are based at home or own a barber shop. If there is an insured event such as a flood or fire at your premises and the building is damaged, our cover will pay for the costs of reinstatement or repairs.

Our business interruption insurance will cover you for reduced turnover if an insured peril, e.g. a fire or flood, damages your stock, equipment or premises, preventing you from trading.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.

If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).

This includes:

• the rebuild of buildings damaged beyond repair
• cover for damage or loss of your business contents, stock, and computer equipment, to help you get back up and running.

If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

Terrorism cover is only available for properties located in England, Wales and Scotland.

Terrorism insurance is optional, so an additional premium will apply.

You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.