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HAIRDRESSERS FORUM    HAIRDRESSER TRAINING    Freelannce  ›  mobile hairdressers insurance
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princess-girl
August 2, 2008, 6:55pm Report to Moderator Report to Moderator
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hi im startin out in the mobile hairdressing business and would like to know where is the best place for my insurance?

any suggestions will help please

xxx
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ashburnham
September 26, 2008, 3:18pm Report to Moderator Report to Moderator

Posts: 6
I work for a public liability insurer and came on to this forum to discuss with hairdressers if our policy was competitive.  I guess I am not allowed to advertise my company on the forum so I won't unless the admin team give me permission.  My main reason here is for some forum discussion.

Our scheme provides hairdressers with £1,000,000 public liability insurance cover for any injury or damage caused to a third party or their property for just £44.63 per year.  The policy can be done via our website with instant cover available 24/7.

I would appreciate some feedback on this quote as we have been experiencing a sudden surge of new people recently and are considering advertising this on a UK wide basis as we feel it could be a potential winner for both parties (i.e. you the hairdressers and us the insurers).  Please let me know what you think and feel free to ask any questions.  The quote is obviously on a single hairdresser but I will be happy to put other prices to you if you are in a different situation to see what you think.

If anyone wants our website or phone number then I would recommend asking the admin to allow me to put this on as I don't want to break any advertising rules and get booted!
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admin
September 26, 2008, 11:28pm Report to Moderator Report to Moderator

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Hi ashburnham,
                feel free to put a link to your website, and welcome


Fluffython - the largest group portrait of hairdressers
http://www.fluffython.org.uk
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ashburnham
September 29, 2008, 8:19am Report to Moderator Report to Moderator

Posts: 6
Hi admin,

Thanks for allowing me to post the link - here it is...

http://www.ashburnham-insurance.co.uk/public-liability-insurance.html

Basically click the "Get Quote" button and then fill out a few details and then a instant premium will be provided.  You will be provided with 3 quotes from different companies but it is MMA who seem to be top of the list in most cases.

If your insurance is due and you like the look of the policy then feel free to take out the cover (which you can also do online) but like I say I'm more looking for some feedback on the prices at the moment to see how competitive we are for your market.

Many thanks.
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www.louisechrystal.com
October 13, 2008, 2:03pm Report to Moderator Report to Moderator

Posts: 4
Use confused.com or moneysupermarket.com. †Shouldn't cost u too much. †I ended up insured via moneysupermarket by a company called Groupama Ltd. †Simply Business are also a good site for small business insurance. †Around £50 seems right.
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ashburnham
October 13, 2008, 2:20pm Report to Moderator Report to Moderator

Posts: 6
We deal with Groupama also.  Although their figure is in this region, they are the most expensive out of the companies we deal with.  Also they have a ¬£250 standard excess as opposed to MMA who are the cheapest and have a ¬£100 excess.

If other companies are similar in price, check the excess as you could end up paying more in the unfortunate event of a claim.  Quite a lot of companies increase their excess to make their premium more attractive.
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vanillakittenmittens
October 29, 2008, 2:37pm Report to Moderator Report to Moderator


Posts: 13
salon gold are a good one you are covered for alsorts and for around £40 a year.


City & Guild NVQ2 Ladies Hairdressing, City & Guilds NVQ2 Barbering, Wella Colour Correction, Wella Colour Creations
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ashburnham
October 29, 2008, 3:20pm Report to Moderator Report to Moderator

Posts: 6
Hi vanilla,

Sounds as though salon gold have pretty much the same policy as us then.  Had a very quick look and seems to provide similar cover at a similar cost although I can't see any mention of the excess on their site.  Do you know what this is as apparently this is only on the policy schedule itself (strange they don't advertise it)?

One thing that is slightly confusing is reading the policy book about all the companies involved:

Administered by "Arista Insurance Limited"
Underwritten by (and I quote) "certain Underwriters at Lloyd’s"
Agent & Claims via "Henry Seymour and Company"
Additional Claims via "Robins Claims Solutions"

There is also mention of 4 other companies on the policy document but I have no idea where they come into things.

I suppose this is all irrelevant really as long as all these people act together appropriately (especially when you need to claim) then can't see it is an issue although it would be nice to know exactly who the underwriter is rather than "certain Underwriters at Lloyds".

Don't know really why so many people are involved.  We simply have MMA Insurance and us.  Underwritten by them, 24/7 claims handled by them, legal advice from them and we are only there for the administration side.

Like I say, if you know the excess of salon gold then please post for comparative purposes against MMA's £100 excess.  Many thanks.
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vanillakittenmittens
February 17, 2009, 11:31pm Report to Moderator Report to Moderator


Posts: 13
Wow forgot I ever posted here, and just seen my post lol. †They have excess of £50 on it.  I was through Grouparma for my 1st year but they cost £80 ish but didnt cover for a couple of things that salon gold do.


City & Guild NVQ2 Ladies Hairdressing, City & Guilds NVQ2 Barbering, Wella Colour Correction, Wella Colour Creations
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ashburnham
February 18, 2009, 10:13am Report to Moderator Report to Moderator

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Our Groupama policy costs just £61.20 which is a bit less than the £80.00 you paid but your new salon gold policy sounds pretty good if it is just a £50 excess.

I've just checked our rates and we still have the MMA policy at £44.63 for the year with a £100 excess but that is the very best price and excess we can offer.
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admin
February 18, 2009, 10:27am Report to Moderator Report to Moderator

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Hi ashburnham, I am trying to organise fluffython, the largest group portrait of hairdressers http://www.fluffython.org.uk and I am trying to put it in Southend-on-sea pier, they require £5 mill public liability innsurannce do you know what that would cost ?


Fluffython - the largest group portrait of hairdressers
http://www.fluffython.org.uk
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ashburnham
February 18, 2009, 11:25am Report to Moderator Report to Moderator

Posts: 6
Southend Pier - we are just up the road at the other end of the High Street opposite Sainsburys - small world!!!

Anyway, £5M Public Liability Insurance (PLI) is something we can provide.  Not entirely sure if it is for you, the hairdressers, or the event as a whole but here are a few options:

£5M PLI for a single Photographer would be £90.72 for the year
£5M PLI for a single Artist would be £78.75 for the year
£5M PLI for a single Hairdresser would be £76.65 for the year

The beauty of PLI is that if you are a combination of occupations, you can specify them all but only pay for the most expensive.

There are terms for each of these quotes which might not make them completely suitable for what you are looking for.  Our policies are annual policies and are aimed at people performing their jobs under normal circumstances.  Working on Southend Pier is not really considered "normal" for these occupations and you may be better off looking for a policy that is specifically designed for this one off event.  The best people to speak to about this is probably Event Insurance at http://www.events-insurance.co.uk/.

We don't deal with these people but, as the name suggests, they are probably better at providing insurance for your specific event but feel free to contact us (or pop down to the office) and we will be happy to see if we can assist.
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admin
February 18, 2009, 7:12pm Report to Moderator Report to Moderator

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Hi ashburnham,
                      Southend ..cool !!!!
                      thank you for taking the time
                      that sounds very reasonable
                      I may well pop in sometime


Fluffython - the largest group portrait of hairdressers
http://www.fluffython.org.uk
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