Looking for barbers insurance, we’ll do all the hard work for you.

​

Even in the safest workspace, accidents can happen. Every business needs some form of liability insurance, for that extra financial protection in case of an injury that leads to legal action as well as some peace of mind.

​

If you run a business, other people can take you to court. Public liability insurance guards against claims that can cause stress and cost you time and money. UK Sure can arrange to cover you for up to £10 million in legal costs, compensation, and expenses – whether you work in carpentry, retail, or IT services.

​

 

What’s included

 

• Accidental damage
  You’ll get accidental damage cover for employees and visitors – including vehicles and belongings

• Injury
  We’ll provide injury cover for working partners if your business is a partnership

• Legal expenses
  We’ll cover legal defense fees including any compensation you owe, and if you need to attend court, we'll pay up to £500 per day

• Flexible cover options
  Choose from £1m, £2m and £5m cover to suit your contract or trade

​

​

What is Barbers Liability Insurance

​

Liability Insurance is a broad term that describes a number of different types of cover.

• Public Liability Insurance – injury to third parties or damage to their property as a result of your business’s negligence

• Employer’s Liability Insurance – injury or illness to your employees as a result of your business’s negligence

• Product Liability Insurance – damage to third parties or to their property as a result of faulty products supplied by your business

• Cyber Liability Insurance – loss of income caused by a data breach or cyber hack, and the cost of putting it right

• Directors and officers Liability Insurance (also known as D&O or Management Liability Insurance) – protection of your assets in the event of actions against you for decisions made in your capacity as leaders and/or decision-makers.

• Professional Indemnity Insurance

 

 

 

Employers Liabilty

 

Businesses in the UK that employ staff are legally obliged to have employer’s liability insurance which will provide your business with cover against claims from an employee.   You should be insured for at least £5million and are required by law to post your certificate for all staff to see.

• ​Protection up to £10 million

• Cover for your temporary staff

• Working partners are included in the policy.

​

How much cover do I need for employers’ liability?

The amount of employers’ liability insurance coverage you need depends on the size of your business, the industry you operate in, and the specific risks your employees face on the job.

​

The law requires a minimum of £5 million in employers’ liability insurance coverage for all of your employees, including part-time workers, contractors, and temporary staff.

​

Many businesses opt for higher coverage limits to ensure they are adequately protected in case of a claim.

​

Is it mandatory to have employers’ liability insurance?

It is a legal necessity for most businesses to have employers’ liability insurance.

​

The only exceptions to this requirement are companies that have no employees or businesses that employ only close family members.

​

If a business operates without the legally required level of employers’ liability insurance, it can result in hefty fines and legal penalties.

​

What is the Employers’ Liability Act?

The Employers’ Liability Act 1969 (ELA) is a law that requires employers to have insurance to protect their employees in case of work-related injuries or illnesses.

​

Under the law, employers are legally responsible for the health and safety of their staff while they are at work. If an employee is injured or becomes ill as a result of their work, the employer may be held liable for damages.

​

​

Public Liabilty

​

This is not a legal requirement but if you have any interaction with the public is it strongly recommended that you take out cover against compensation the courts rule that you are due to pay for personal injury or material damage to third parties as a result of the negligence of your business. Legal costs alone can be very large, these are included within the cover. 

 

 

Product Liability​

 

Product liability insurance is essential cover for any business that sells or manufactures products.  It is rarely sold alone and is often included in a public liability policy. 

​

​

Product Liability

​

Cyber and Data Risks Insurance, also known as Cyber Liability Insurance, is designed to support and protect organizations following a data breach or malicious cyber hack that affects systems or the ability to operate.

​

The cover provided is for loss of revenue or profit and for costs of putting things right.

​

Data is increasingly important to your business and keeping it secure is becoming harder and harder. Any information you keep about yourself, your business, and indeed anything your Clients trust you with, is open to attack from hackers, at risk if your IT systems fail, and open to issues of sharing due to human error. Putting it right takes time and money, and a possible reputational hit. 

 

 

Directors & Officers` Liability

 

Directors and officers worldwide are increasingly exposed to the risk of being sued personally for various issues. Directors and Officers Liability Insurance (D&O) programs covering the personal assets and liability of directors, officers, and senior managers against claims arising from actions or decisions made in their capacity as leaders and decision-makers.

 

​

​

Professional Indemnity Insurance

 

Professional liability or professional Indemnity Insurance covers any advice you give to a client in your professional capacity and protects you if you are deemed to have produced work that is not of a professional standard.  It protects you against professional negligence claims.

​