We all know that one unlucky person. Whether they’re a friend, family member or an acquaintance, they’re the one whose treatment went wrong; whose client had an allergic reaction to the hair dye they were using; who’s had to pay up thousands in compensation because a client slipped in their salon. And despite this fact, there’s a staggering proportion of hair and beauty professionals and salon owners who still don’t have insurance. Here, Dean Laming, Managing Director of hair and beauty insurance specialists, Salon Gold, talks about the pitfalls of not being insured.
“Being insured is a business necessity, and yet we all know somebody who is choosing not to invest. The most common reason for this lies in some ambiguity about whether or not you legally have to have insurance. To be fair, whether you’re a freelancer or a salon owner, from a legal standpoint, the only insurance you need is employer’s liability insurance, if you’re employing staff in your business.
“However, it’s highly recommended that you have public liability and treatment risk included in your policy too, in order to protect yourself against injuries to the public.
“Many salon owners don’t realise this, but the need for insurance actually goes even further. A good specialist salon insurance policy will also provide protection for your premises from flood, fire, theft, broken windows and even cover any legal or staff disputes. It could really save your business in times of hardship.
“For professionals working alone though, the same question always comes back around: ‘if I’m not employing anyone and have no legal obligation to have insurance, what’s the point in having it at all?’
“It’s all the more important to have insurance if you’re working as a freelance or mobile professional. With court cases becoming more and more commonplace, the costs of fighting a claim in court could cost you thousands. Public liability cover, and treatment risk especially, are a real god-send for those working alone; they ensure that, even in the event of a client making a claim, your policy will cover you. The price of your insurance per year (circa £50) is a small amount to pay when weighed up against the potential costs of fighting a legal case – or paying out the compensation.”
If you own a salon, or are looking for insurance for your freelance or mobile hair and beauty business, you can get a quote online at salongold.co.uk, or by calling 0208 655 0444
Freelance Focus, is a one stop resource for anyone working as a freelancer or thinking of going freelance in the hair & beauty industry, which includes a FREE downloadable guide filled with advice, useful insights, experiences and tips (from experienced freelancers) to help you understand the steps needed to make the right choices for you.
If your clients are seeking a radiant blonde free of stubborn warm tones, it’s time to implement a personalised maintenance routine. The milk_shake silver shine and milk_shake icy blond are the toner ranges designed to revive your desired blonde shade and amplify your hair's natural shine.
Start Your Day the Right Way! With make my day, your client’s hair care routine becomes more than just another habit, it’s a moment of indulgence. Make their hair care routine a treat with milk_shake make my day!
Looking for high-performance haircare that's vegan-friendly? Meet milk_shake Flower Power, the first 100% vegan range from milk_shake! Designed with plant-based ingredients, this collection delivers luxurious care while keeping colour-treated hair vibrant, nourished, and protected. Plus, it has an irresistible floral scent that your clients will love!
Newsletter sign up
* Required fields are marked with an asterisk.
Marketing Communications
Email: Stay up to date with the latest news, offers and ideas.
Text: Be alerted when we have a VAT Free sale or exclusive promotions.
Post: Receive our bi-monthly mailer full of offers and new products.
Privacy Statement
This privacy policy sets out how Capital Hair and Beauty Ltd (CHB) uses and
protects any information that you provide when using the
capitalhairandbeauty.co.uk website or otherwise provide CHB with your
personal information.
CHB is committed to protecting your privacy. If we ask you to provide
certain information by which you can be identified when using the website,
you can be assured that it will only be used in accordance with this
privacy policy. We treat all your personal information as fully
confidential and do not pass your information on to third parties without
consent unless legally required to do so.
By providing us with your personal information, you agree and consent to
its transfer, processing, use and disclosure as outlined in this privacy
policy. This policy does not apply to data you place on any publicly
accessible page. For example, when you submit a product review.
CHB may change this policy by updating this page. You should check this
page from time to time to ensure you are happy with the changes. This
policy is effective from 21st May 2018.
What personal data will be processed?
When you shop on this site or in one of our stores, personal information such as your name, email
address, phone number, invoice/delivery addresses, type of business and, where applicable the IP address used
to connect your computer to the internet are collected by us. This data
enables us to process and fulfil your order or transaction. We also ask for your mobile
number, which helps us (and courier companies working on our behalf) to
contact you if there’s a problem with your order.
Other information we collect
We may collect technical information regarding the type of electronic
device used, such as the make and model, operating system, internet browser
and also which pages of the site are visited and for how long. This is
statistical data about our users' browsing behaviour and does not identify
you personally. Debit/credit card details are entered on secure pages
hosted by our payment service providers, whether this be Secure Trading or
PayPal, this data is stored securely on their servers, we do not have
access to this. Where card details are given for payment processing over the phone, we do not record or store these details.
We also use CCTV in our stores for the security of our employees and customers.
How will we process data?
Personal data collected is used in the processing and delivering of orders.
Names, email addresses, mobile numbers, postal addresses and business type
may also be used to send you marketing communications (if you have opted in
to receive them). You can opt out of these at any time by visiting ‘my
preferences’ in your online account.
Browsing behaviour data is collected and analysed to see how well our
website is performing on a variety of electronic devices and internet
browsers.
We also use this data for remarketing in conjunction with Google, which
allows us to display adverts to you on third party websites after you have
visited our website. To opt out of this please visit Google’s ad settings.
Who will process data?
Personal data is stored on secure servers, separate to the website server.
We may share this information with third party service providers employed
by us to perform functions on our behalf, such as courier companies
delivering orders, mailing companies sending postal mail, email service
providers sending emails and texts (SMS) and payment service providers
processing payments. PayPal transactions are subject to the PayPal privacy
policy.
We may also share certain data including email addresses (if you are opted
in to receive emails from us) with third party social media platforms in
order to show you targeted ads when you visit them. Third parties such as
Google use cookies to store browsing behaviour data, which enables us to
use their remarketing services. Please refer to our cookie policy for more
information.
Why are we processing data?
We require this information to provide you with a service (processing
orders), it also helps us to ensure that content on our sites is presented
in the best way for you and the electronic device used to access the
content. To send you information regarding our products or services (if
requested by you), protect you and us against fraud and to notify you about
changes to our service.
When will data be processed?
This data will be processed when your order is picked, packed and
dispatched by our distribution centre, or if you enter a competition or
free prize draw. It will also be used every time we send a marketing
communication, if you have opted in and the communication is deemed by us
to be relevant to you.
Any user specific browsing data will be retained for 26 months after you
last visited our site, after which time it will be deleted.
Unsubscribing from marketing communications
To unsubscribe from marketing communications please visit the ‘my account’
section of your online account and select ‘my details and preferences’. You
can then change your opt in preferences for email, text and post.
Alternatively simply click on the unsubscribe links that are sent out with
each email/text or get in contact with us.
Right to access your data
You have the right to request a copy of the data we hold about you, or to
have your data erased in certain circumstances. Please contact us if you’d
like to request this. Please note that depending on your interactions with
us, some data may need to be retained due to legal requirements.
This policy was last updated on 23rd May 2018
You must be logged in to add products to your favourites
