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Tailored insurance for your salon. Maximum coverage, minimum cost.
As a salon owner, your clients rely on you to provide great and safe service. But with lots of nail clipping/filing, strong dyes, and heating equipment, comes the risk of injuries. If customers get injured on your premises, you can be held liable for personal injury, even if you weren’t directly responsible for causing the injury. Also, nail salon staff are at high risk of contracting Covid-19 infections due to close working conditions with clients.
With Provide, you can build yourself a tailored policy to protect your nail salon. Get comprehensive coverage for public liability, employee injuries/infectious diseases, premises/equipment damage, and more.
Property and equipment insurance: Coverage for your premises and nail salon equipment. Protects you from risks like fire, water damage, burglary, vandalism, etc.
For instance, a fire in your nail salon breaks out and destroys the premises. This insurance will pay for repairing your nail salon, replacing your equipment, and replacing any damaged nail salon supplies.
Public liability insurance: Coverage if customers injure themselves in your nail salon.
For instance, one of your staff leaves a puddle on the floor. A customer slips and falls in your barbershop. They can sue you for personal injury damages and medical expenses incurred.
Work injury insurance: Coverage for employee injuries/infectious disease, including Covid-19 infections.
For instance, one of your barbers gets Covid-19 after interacting with customers, and spreads it to all your other staff. This insurance will pay for lost wages while quarantined, medical expenses, and legal expenses if your workers sue you for creating an unsafe work environment.
Customer injuries: Customers getting hurt while in your nail salon.
For instance, if a customer slips and falls, they can sue you for personal injury damages and medical expenses. Nail salons can also accidentally hurt customers while doing things like cutting and filing nails.
Staff suffering injuries/infectious disease: Staff injuries, or staff contracting Covid-19 infections. Given the close proximity that barbers work with clients, the chance of Covid-19 infections cannot be ignored.
Under Singapore law, business owners are responsible for paying the medical expenses and lost wages of staff who are injured/sick due to work-related causes.
Property/equipment damage: Risks like fire, water damage, burglary, and vandalism.
For instance, a fire could break out and damage your nail salon. Burglaries could damage your storefront, and leave you missing equipment.