Treatment Risks Public Liability Insurance cover can now be obtained as part of a package insurance policy.
West Midlands United Kingdom (PRWEB) February 9, 2006 -- In an increasingly litigious age, liability claims from members of the public are sadly on the increase. This is a very worrying trend for any person owning and running their own business, it doesn’t help that members of the public are often bombarded with advertisements from no win no fee solicitors offering to make insurance claims to any person who has suffered an injury.
Any business owner offering a service needs to make sure that they have adequate Public Liability Insurance cover which has been extended to include Products Liability. It would be very unwise to run any venture without this cover as often a single claim could result in the business being forced to close. Liability Insurance is usually offered as part of a Business Insurance package but some find it harder than others to find the right insurance cover for their particular trade.
With thus in mind, www.salonprotect.com based in the West Midlands in The United Kingdom have developed a package insurance policy for use by the Hairdressing Industry, in particular the salon owner, the cover is slightly different in that it includes Treatment Risks, so if a customer decides to take legal Action following injury caused during his or her haircut for example and negligence can be proved then an indemnity of £100,000 is provided. The cost of defending each action is also covered and of course this can prove expensive in it’s own right.
Anyone working in the Salon will be covered by the policy and all the other usual insurance risks such as Damage to Contents & Stock and Business Interruption cover are also provided.
A website was launched by the company on 1st February 2006, www.salonprotect.com where quotations are available online, simply log on to the web site to obtain a quotation which they claim they will deliver during working hours in under an hour.
Another useful feature of this web site is that it does offer help and guidance to many of the Health and Safety issues that face Salon Owners. Several articles are reproduced courtesy of the Health and Safety Executive which much Hairdressers and salon owners will find helpful. Amongst the topics covered are; Risk Management for Salon Owners, How to avoid Repetitive Strain Injuries, Dermatitis, and articles on how to avoid accidents in salon such as slips and trips.
Of course a good insurance policy will cover most eventualities but as they say, prevention is better than cure, most of the information provided seemed to be common sense but it is always useful to be reminded and would serve as a good introduction point for new employees.
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