Creative HEAD UK April 2018
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ARE YOU COVERED?<br />
INSURANCE IS A SALON MUST-HAVE. THE NHF REVEALS WHAT COVER YOU NEED<br />
TO PROTECT YOUR CLIENTS, YOUR STAFF AND YOUR BUSINESS<br />
WHEN YOU FIRST thought about<br />
opening your salon, you most likely<br />
considered the kind of business you<br />
wanted your salon to be, what it would<br />
look like and the location.<br />
Insurance probably wasn’t the<br />
first thing that sprang to mind, but<br />
it is vital – no matter how small your<br />
business is.<br />
For starters, the law says that if you<br />
employ at least one person you must<br />
have employers’ liability insurance.<br />
This should cover your legal and<br />
compensation bills if an employee at<br />
your salon is injured or becomes ill<br />
because of the work they do for you.<br />
If you don’t have it, you are breaking<br />
the law and can be fined £2,500 for<br />
each day you don’t have it.<br />
You can also be fined £1,000<br />
if you do not display the<br />
insurance certificate.<br />
PEACE OF MIND<br />
Another thing to consider<br />
is public liability insurance.<br />
Although not a legal<br />
requirement, public liability insurance<br />
protects you if a member of the<br />
public is injured or has their property<br />
damaged because of your business.<br />
Make sure your policy covers all<br />
the services or treatments offered in<br />
your salon.<br />
COLOUR TESTING<br />
Don’t want to do a patch test every<br />
time you do a colour? The NHF’s<br />
allergy alert test records help your<br />
colourists decide when a patch test<br />
is needed. It’s free to members and<br />
fully backed by Coversure, the NHF’s<br />
preferred insurer. And never agree<br />
to client disclaimers as they wouldn’t<br />
stand up in court and you would<br />
still be liable.<br />
JOIN THE NHF<br />
BY 30 APRIL AND<br />
QUOTE CHA25 TO<br />
GET £25 OFF YOUR<br />
MEMBERSHIP FEE!<br />
Finally, ask your<br />
provider about<br />
insurance for buildings<br />
and contents, personal,<br />
accident and illness,<br />
employee fraud<br />
or theft, business<br />
interruption and flooding.<br />
HOW THE NHF CAN HELP YOU<br />
The NHF offers a range of business<br />
support services for salons, from legal,<br />
employment and financial advice to brilliant<br />
ideas for managing and boosting your<br />
business. For less than 75p a day, member<br />
benefits include:<br />
• Free 24/7 legal helpline<br />
• Free employment and chair renting<br />
contracts<br />
• Free advice on health and safety<br />
• Discounts on industry-specific insurance<br />
COVERSURE INSURANCE<br />
The NHF works in partnership with<br />
Coversure Insurance Services to provide<br />
value-for-money cover for salons. It offers:<br />
• 20 per cent discount for NHF members<br />
• Price match guarantee<br />
• Instant quotations with immediate cover<br />
• Instalment plans<br />
• Flexible patch testing requirements<br />
To find out more, call 01234 831965 or visit nhf.info/insurance<br />
CREATIVE <strong>HEAD</strong><br />
29
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