Salons, Retailers, Surgeries and Offices Insurance Solutions
Retailer Insurance / Online Retailers Insurance
Whether your retail business is online or on the high street, we can arrange retail business insurance and retail shop insurance. We work with a number of leading insurers who have designed specific shop insurance and retailer insurance that are flexible enough to meet most retailer’s insurance needs, including stock insurance with seasonal increases, goods in transit insurance, money and personal assault insurance, public and products liability insurance and much more. Explore our retailers, surgeries and offices insurance solutions.
Salon and Surgery Insurance
RS Risk Solutions is able to place tailored surgery insurance for doctors/GPs, dentists, aestheticians, beauticians, tattooists, piercers and other medical centre-based firm, including, physiotherapy, sports injury, spas and wellness clinics.
These packages provide a suite of cover that will protect all the key property and general liability risks. This may include property insurance for buildings or tenant’s improvements, contents and medical equipment/devices, stock (including cover for drugs and vaccines), computers, laptops and other items of IT, both at the premises and portable equipment.
Core elements of the package includes legal liabilities, such as, compulsory employers liability insurance as well as public liability for indemnity against claims from clients or members of the public for injury or damage to property, business interruption, money, good in transit, glass and signage, personal accident and legal expenses. Separate policies are available, for example, Professional Indemnity, Medical Malpractice, Directors’ and Officers’ Liability.
Additional FAQs
How much does Salon Insurance cost?
The cost of all insurance is dependent upon the size of your company and the amount of cover you require. Also, we approach various insurers to obtain value for money quotations. We would be delighted to obtain quotations for you. Please contact us and we will discuss your requirements.
Is it possible to insure mobile and virtual therapists?
Yes, please contact us for further information and quotations.
How to I make a claim?
When Do I Notify My Insurer of a Claim?
All policies will have a clause or condition in the wording which requires their policyholders to notify them of any claim, circumstance, breach, investigation, inquiry or incident as soon as possible and, in any event within a certain time limit, say within 30 days of receipt in writing to the insurer.
What standard treatments and therapies are covered in a Medical Malpractice policy?
Under most Medical Malpractice Insurance Policies there are a number of treatments which are included dependent upon the categories of treatment and therapy you require. Contact us for more information.
Do I need Products Liability cover for my salon business?
If you are selling or supplying any products to your clients/patients, then yes, we recommend you have Products Liability Insurance for your business. This cover is not always provided under a Salon or Retail Package Policy, so you will need to check the exclusions and limitations of cover carefully. Many insurers feel that this cover is better provided under a Medical Malpractice Insurance Policy and therefore, exclude this liability cover under a Retail or Salon package for certain professions, such as, aestheticians, beauticians, tattooists, piercers, Please contact us for more information.
As a Beautician / Aesthetician / Clinician – what records do I need to keep?
What does Claims Made Mean
More info on this page
Office Insurance
Whether you work from home or a separate business premises or indeed both, having the appropriate Office Insurance cover is very important. RS Risk Solutions, as an expert commercial insurance broker, understands that every business is different. We offer policy options you can tailor to your own specific needs. All risks cover for office contents insurance covers the cost of replacing or repairing your office equipment if it is accidentally damaged, lost or stolen. In addition, you can also add a range of specialist covers to your Office Insurance policy, such as, buildings and contents insurance, office computer equipment, portable equipment, business interruption, equipment breakdown and importantly, for cyber risks.
Salons, Retailers, Surgeries and Offices Insurance
Salons, Retailers, Surgeries and Offices Insurance includes:
- Property, accidental damage, portable equipment, stock (including cover for drugs and vaccines), glass breakage, business money, artwork, visitors’ personal effects, tenants improvements.
- Business interruption. Online retailers.
- Avoidance of underinsurance and risk management, including:
- Calculation of sums insured.
- Risk management reports and assessments.
- Reputation risk including crisis management.
- Terrorism insurance.
- Equipment breakdown.
- Liability to others:
- Employer’s liability
- Public liability
- Products liability (this cover may not be available under a Salon or Retail Package Policy for certain professionals, such as, Aestheticians, Beauticians, Tattooists and Piercing specialists and a separate cover may be required – See Medical Malpractice Page)
- Professional indemnity
- Directors and officers liability
- Cyber risk protection.
- Legal expenses
- Trustee liability
- Medical Malpractice
- Motor fleet and commercial vehicle, goods in transit.
- Protection of key people.
- Key person protection.
- Business accident and travel.
- Kidnap and ransom.
- Management liability.
- Specialist claims management:
- Loss Recovery Insurance (LRI) – we work with leading claims management property and business interruption experts who can manage first loss issues, such as making your premises safe, and work with insurers to reach settlement agreements on your behalf.
Legal Expenses Insurance
1 of 12Property Damage Insurance
2 of 12Business Interruption Insurance
3 of 12Employer’s Liability Insurance
4 of 12Public Liability Insurance
5 of 12Product Liability Insurance
6 of 12Professional Indemnity Insurance
7 of 12Commercial Motor Insurance
8 of 12Key Person Protection
9 of 12Specialist Claims Management
10 of 12Risk Management
11 of 12Cyber Risk Protection
12 of 12
Legal Expenses Insurance
1 of 12Property Damage Insurance
2 of 12Business Interruption Insurance
3 of 12Employer’s Liability Insurance
4 of 12Public Liability Insurance
5 of 12Product Liability Insurance
6 of 12Professional Indemnity Insurance
7 of 12Commercial Motor Insurance
8 of 12Key Person Protection
9 of 12Specialist Claims Management
10 of 12Risk Management
11 of 12Cyber Risk Protection
12 of 12* Please note, the insurance covers and risk management services shown above are a representative product bundle and are for illustration purposes only. These products are shown to raise awareness of what may be relevant and available for your type of business. However, we recognise that every business is different and in order for us to advise you specifically in relation to your insurance and risk management needs in more detail, please contact us.
If you would like advice or a quotation please contact us.
We are an independent and regulated UK insurance broker predominantly supporting clients in:
London and the South East including: Surrey, Kent, East Sussex, West Sussex, Ashford, Bexhill, Brighton, Caterham, Chatham, Copthorne, Crawley, Crowborough, Croydon, Dorking, East Grinstead, Eastbourne, Edenbridge, Forest Row, Gillingham, Gravesend, Hastings, Haywards Heath, Heathfield, Horley, Horsham, Hove, Kingston upon Thames, Leatherhead, Lewes, Lingfield, Maidstone, Newhaven, Oxted, Redhill, Reigate, Royal Tunbridge Wells, Seaford, Sevenoaks, Sutton, Swanley, Tonbridge, Uckfield, Woking, Worthing