It is not uncommon to be under-insured when you run a business. Get a couple of business insurance quotes to find out if you’re on the right track. Different types of tailor-made short-term business insurance products have been specially designed to cover businesses – if you run a barber shop there are many of facets to your insurance. The products are all streamlined to assist. Who would have thought there was so much that could actually go wrong in a business of this nature?

Here is a breakdown of the kind of cover that you will get from Momentum short-term business insurance when you own a barber shop:

• Public liability and Professional Indemnity cover: Vital for your business as it can cover you against slip and fall incidents on your premises. If you are held responsible for advice or treatment of your clients and these go wrong, Professional Indemnity is a “must have.” Without it, being sued for misinformation or damages could cost you your entire business.
• Client negligence cover: If a client loses all their hair due to negligence or becomes ill from a product, chances are they will sue you for a large amount of money.
• All Risk cover: Protects against loss or damage when items are removed from your premises. For example, if you take expensive equipment with you to offer services at external venues, or if your stock or samples are damaged or stolen at trade shows.
• Building cover: Essential for rented premises. You are responsible for fixtures and fittings that belong to the landlord, which will be covered by your insurer.
• Fixed glass cover: Mirrors are one of the most important parts of a barber business. This cover ensures mirrors and any damaged sign-writing are insured.
• Equipment and machinery breakdown: Styling implements, electronic equipment, and machinery breakdowns can all be insured with your short-term business insurer.

Look for tailor-made business insurance quotes when running a barber shop to ensure you have sufficient cover for all eventualities.