Manchester, United Kingdom – Shop and salon insurance policies will come with some level of damage cover, but not all have accidental damage as standard.
For example, you may be covered for a leaking pipe damaging or ruining your stock, but not for someone knocking over an expensive item and breaking it.
Not every type of business may need shop or salon insurance but there are some for which it’s an absolute must.
Keep reading below to find out more about the most typical businesses that need shop insurance or salon insurance as analysed by the Co-Operative.
- Supermarkets
With supermarkets having such large numbers of customers passing through handling a wide variety of items, shop insurance containing accidental damage is a must.
Even a reasonably sized supermarket could lose out to the tune of thousands of pounds per week by not having proper accidental damage in place.
- Electrical stores
Any type of store where people like to get tactile with items should have shop insurance in place. Electrical items from MP3 players to digital cameras may all be examined closely by customers and could get damaged by dropping them or trying to operate them in the wrong way.
You can never predict how people are going to behave in your shop, so if you are selling expensive items, it’s best for your peace of mind to have enough shop insurance cover to protect your goods from accidental damage.
- Tanning salons
Lots of salons have tanning booths which are often left for the public to use unsupervised. If this is the case in your business, whether it’s a health centre, beauty salon or anywhere else, you should seriously think about getting salon insurance cover for accidental damage.
Tanning salons may have other items of equipment such as vibration plates. If you’re not able to be around to watch how these are being used by clients all the time, then salon insurance should be in your thoughts.
If you’ve invested in equipment in order to make a return it makes sense to protect it in case of any unintentional damage caused by users.
Accidental damage cover is just one of the many things you need to consider when getting shop or salon insurance quotes.
Shops and salons can vary greatly in terms of what products and services they offer, so your insurance should be bespoke rather than an ‘off-the-shelf’ policy.
When arranging your shop or salon insurance it’s best to speak to an advisor who can advise on the best policy and extras to suit your business and the way its run.
Author Bio: The Co-operative Insurance provides a wide range of business insurance policies from office and surgery to shop and salon insurance
Contact:
PR Manager Corporate
0161 827 5614
Manchester
United Kingdom