Hair and Beauty Insurance: FAQs

What does Hair and Beauty Insurance actually cover?

We can cover your buildings, rent, stock, contents, money, public liability and employers' liability for your business. Cover can be tailored to your individual requirements.

I don't need treatment cover as I already have this separately.

That's fine, we will quote for you on the basis of no treatment cover, if you ever wish to add it in the future just give us a call!

I offer lots of different treatments at my salon other than haircuts, is this OK?

Yes, the Hair and Beauty policy is designed with this in mind and we can be flexible. Whilst we can not promise to offer cover on all types of treatments we will happily look at all requests.

Do you offer direct debit payments?

Yes and even better we offer a 0% interest direct debit facility on all of our MORE TH>N BUSINESS products!

I have been in business for many years with no claims, will this be reflected in the premium you quote?

Yes, we take into account the years you have been in business and your previous claims experience to help us calculate a competitive, personalised premium for your business.

I've had a claim, will you still quote?

We look at each and every case on its own merits and with our unique rating factors, all claims will be taken into account when calculating your individual premium.

Does the premium quoted include all taxes?

Yes - all premiums quoted by us include Insurance Premium Tax (IPT), at the current rate. Our Customer Managers will quote your individual price with IPT included at the current rate.

How many premises can I insure under one policy?

We accept up to ten premises over the phone (single premiums only on web).