Kit & Equipment Cover Have you ever considered insuring your kit and equipment for accidental damage and theft? Most beauty therapists and hairdressers understand the importance of having insura...
Have you ever considered insuring your kit and equipment for accidental damage and theft?
Most beauty therapists and hairdressers understand the importance of having insurance to protect themselves if something were to go wrong during a treatment resulting in a claim being made against them. However, insuring your kit and equipment for accidental damage and theft can often be pushed to the back of your mind. Many people build up their kit and equipment throughout their career so if something were to happen to it, it could have a massive impact on you being able to trade and could cost a lot of money to replace.
Consider this: Think about what would happen if you have a whole bridal party booked in for their hair and makeup. In the run up to the wedding your kit gets stolen on the way to another client’s house. You may not have the money available to replace everything in time for the wedding and without your tools you are unable to deliver the same level of service meaning you must cancel the bridal party. This would result in a loss of earnings from the bridal party plus the cost of replacing your kit. With the kit and equipment extension your policy should be able to provide you with the money needed to replace your stolen make up in time for the wedding or at least give you the reassurance that the cost of replacement will be covered so you can start purchasing the essentials.
Another scenario could be if you were to accidentally drop a microdermabrasion machine whilst cleaning the room you rent in a salon, and you have clients booked in for treatments all week. You would have to cancel them until you have the money to pay for the machine to be repaired or replaced, resulting in unhappy customers and a large expense for you to pay out to ensure you can still deliver the treatments. If you have the kit and equipment extension with the correct amount covered then you should be back up and running in no time.
At professional beauty direct our beauty policies cover your public, product, and treatment liabilities as standard starting at £52.50 for the year. There is an option to add kit and equipment cover on top, either covering up to £5,000 for an additional £60 for the year or up to £10,000 of cover for an additional £110 for the year. This covers your stock, kit, and equipment if you accidentally damage something or it gets stolen. Terms and Conditions apply so please call or read our policy wording online for more information.
If you already have a policy with us, you can add kit and equipment cover on at any point. Or if you’re looking for a new quote, call us today and one of our friendly team will talk you through every step.
Your kit is your livelihood so protect it with us. It may be a small price to pay for your peace of mind.