Quotation Request

Hair & Beauty

Disclosure
Proposer Details
Premises
Cover Details
Risk Information
Risk Protections
Claims

Disclosure Statement:

When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

I have read this statement:

Incorrect information could invalidate all or part of the Policy. Please confirm if the Proposer agrees to the following statements:
Neither the Proposer, nor any directors or partners in the business have ever:-
had an insurance contract cancelled by an insurer.
Please provide full details:
had an insurance contract declared void by an insurer.
Please provide full details:
had different terms applied to an insurance contract by an insurer due to misrepresentation by:

  • providing misleading or incorrect information

  • deliberately or recklessly withholding information

  • providing false documents

    • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    been convicted of or charged with but not yet tried for a criminal offence other than motoring offences.
    NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
    Please provide full details:
    Health & Safety
    Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:-
    convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation.
    To the best of their knowledge the proposer complies with their legal obligations under UK health and safety legislation.
    Financial
    Neither the Proposer, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:-
    been declared bankrupt or insolvent either as private individuals or in connection with any business within the last ten years.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business within the last six years.
    Please provide full details:
    been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt within the last six years.
    Please provide full details:
    been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 within the last ten years.
    Please provide full details:

    Proposer Details

    Inception Date
    Proposers name and trading name in full
    i.e. Mr & Mrs John Smith t/as The White Horse
    Contact Name
    Date of Birth
    Contact Number
    Mobile Number
    Email Address
    Company Number
    Reason for being ERN Exempt:
    Is there a Third Party Interest to be Noted?
    Third Party Interest
    Risk Address
    Please give full details of any previous trading experience:

    Premises

    The Premises / Buildings of the Business being proposed:
    have walls built of brick, stone or concrete?
    Please provide full details:
    have a roof of slate, tile, metal or concrete, excluding any flat roof area?
    Please provide full details:
    Please advise construction:
    Has any flat felted roof on the premises been professionally inspected and any defects repaired within the last 2 years? (NO LONGER ASKED 19.12.2020)
    are in a good state of repair and kept in a like manner?
    have a listed status?
    What Grade?
    Please advise what year the premises was built:
    located in a shopping centre, arcade or mill complex?
    Please provide full details:
    i.e. what type of building, what floor, etc.
    trade all year round?
    Please provide full details:
    i.e. when is the business closed, does the owner/employee live on whilst the premises are closed, etc.
    entirely self contained?
    i.e. with a separate lockable entrance and exit
    Please provide full details:
    are occupied solely by the business?
    What is the nature of the other business/businesses?
    have residential accommodation at the premises other than that which acts as the private dwelling of the proposer or their employees?
    Is residential accommodation let to Students, Asylum Seekers, Refugees or persons who receive Housing Benefits directly or indirectly?
    Please provide full details:
    i.e. who resides, is the lease directly with the tenant, etc.
    occupied by the proposer, or their employees, overnight?
    are free from storm exposure and/or are in an area which is free from flooding and at least 400 metres away from the nearest river, canal, lake or tidal waterway?
    Please provide full details:
    are free from, and in an area (within 400m of the premises) which is free from any signs of subsidence, heave and/or landslip?
    Please provide full details:
    i.e. when did the subsidence/landslip/heave occur, what has been done to the premises since, etc.
    had the Electrical Installation tested by a certified NICEIC, ELECSA or ECA Contractor within the last 5 years and all reported defects remedied?
    has an open fire, woodburning or multifuel stove?

    Cover Details

    Buildings
    Day One Reinstatement Value
    Including Subsidence and Landlords Fixtures and Fittings
    £
    Please provide full details:
    Loss of Rent Payable
    If Loss of Rent Receivable is required, please include in the Business Interruption figure
    £
    Tenants Improvements
    Including external signs, canopies, awnings, etc. for which the Insured is held legally responsible for
    £
    Trade Fixtures & Fittings, Machinery, Plant and all Other Contents (Ex. Stock in Trade)
    Including Property Held in Trust
    £
    Electronic Equipment & Computers (including EPOS systems and computerised tills)
    £
    Please provide full details:
    Domestic Contents

    Single article limit of £1,500 (Excludes Jewellery and Antiques)

    The insured must reside on the premises

    Maximum £40,000 - If more are required, please see our separate 'Contents Plus' policy

    £
    Basic Stock
    This includes Shampoos, Conditioners, etc.
    £
    High Risk Stock
    This includes Hair Straighteners, Other Appliances, Wigs, Hair Extensions, etc.
    £
    Goods In Transit
    £
    Money During Business Hours and In Transit
    £
    Money in Locked Safe outside Business Hours
    £
    Business Interruption?
    £
    Estimated Annual Turnover
    £
    Estimated Annual Manual Wageroll
    including Therapists, Hairdressers and Practitioners
    £
    Estimated Annual Clerical and Non-Manual Wageroll
    £
    Is Employers Liability required?
    £10,000,00 as standard
     

    Risk Information

    Is Treatment Cover required?
    £100,000 including costs and expenses in the aggregate during the period of insurance
    The following treatments are included as standard (Category A):

    Acupressure (including seated Acupressure)

    AHA/BHA Facial Peels

    Airbrush Tattoo

    Application of Fake Tan

    Aromatherapy & Aromatherapy Massage

    Aromatherapy, Auricular Ear Therapy (Hopi Ear Candling)

    Body Wrapping

    Ear Piercing (Gun Only)

    Electrical Face and Body Treatments

    Electrolysis - Hair Removal

    Eyebrow Colouring & Shaping (excluding HD Brows - This is category C)

    Eyelash and Eyebrow Tinting

    Eyelash Extension

    Eyelash Perms

    Face/Body Painting & Temporary Tattoos (alcohol-based, painted on tattoo)

    Facial Electrical

    Facials (Inc.15% Glycolic materials - mask and creams)

    Facials/Facial Massage

    False Eyelashes

    Far Infrared Cabin

    Galvanic Treatments

    Glycolic Skin Peels (up to 50%)

    Hairstyling

    Hot Stone Massage

    Indian Head Massage

    La Stone Therapy

    Make Up and Make Up Artists

    Manicure and Manicurists

    Massage

    Micro-Current Treatments

    MYH Vibration Plate

    Nail Art

    Nail Design

    Nail Extensions & Gel Nails

    Oil Massage

    Parafin Wax

    Particle Free Dermabrasion

    Pedicure

    Permanent Make-up

    Photofacials

    Reflexology

    Reiki

    Shiatsu

    Spray Tanning

    Sugaring

    Swedish Massage

    Thai Foot Massage

    Threading

    Toning Tables

    Waxing

    Is cover required for any of the following treatments? (Category B)

    Audio Sonic/Sonic Therapy

    Body Electrical/Body Massage/Body Wrapping

    Chair Massage/Seated Massage

    Chair-based Exercise

    Colonic Irrigation

    Connective Tissue Massage/ Bindegewebsmassage

    Cosmetic Acupuncture

    Crystal Sounds/Crystal Therapy

    Cupping (excluding wet cupping)

    Deep Tissue Massage (painless only)

    Five Element Shiatsu

    Holistic Practitioner

    Holistic Pulsing

    Holistic Therapist

    Infrared Sauna/Cabin

    Infrared Treatments including Far Infrared Cabin

    Manual Lymphatic Drainage

    Natural Lift Facial Massage (Facial Rejuvenation Massage)

    Neuromuscular Therapy

    Non-invasive Fat Reduction

    Nutritional Therapy

    Oxygen Therapy

    Sekhem-seichim-Reiki

    Shinden Jutsu

    Soft Tissue Massage

    Taihenjutsu

    Yoga

    Is cover required for any of the following treatments? (Category C)

    Acupuncture (Auricular & low-level laser acupuncture)

    High Definition Eyebrows

    Microdermabrasion

    Semi-Permanent Make Up

    Sports Massage

    Ultra Sound Cavitation

    Is cover required for any of the following treatments? (Category D)

    Intensed Pulse Light and High Energy Pulsed Laser Light

    IPL Acne Photoclearance

    IPL for Skin Rejuvenation

    IPL for Thread Vein Removal

    IPL Hair Removal - Skin Types 1-5

    IPL with Elos System

    Low Level Laser (Cold Laser)

    Variable Pulse Lighting (VPL)

    Are there any other treatments which cover is required for?
    Please provide full details:
    Total number of Employees: (Including all Proprietors, Full and Part Time Staff)
    Do all members of staff (excluding trainees, which must be disclosed below) comply with the following:

    Qualified staff are aged 16 years or over with at least one of the following:

    - More than 2 years continuous experience of professional hairdressing or beauty treatments

    - Completed 2 years technical college training in hairdressing or beauty treatments

    - Completed and passed Level 1 or higher National Vocational Qualification (NVQ) hairdressing or beauty treatments

    - Completed and passed a Cobra Hair academy diploma

    - All qualifications held were obtained in the UK, Channel Islands, Isle of Man or Ireland

    Total number of trainees:
    Are all trainees supervised by qualified staff at all times when working with customers?
    Is patch testing performed in the salon before any treatment which requires this is carried out, following the manufacturers recommendations and a record of the client's history kept?
    Does the client sell any cosmetic, beauty or hair products which:

    - are manufactured, altered or treated by themselves

    - are not sourced from a reputable, solvent supplier based in the European Union

    - do not comply with The Cosmetics Products (Safety) Regulations 2008

    Are there any sunbeds on the premises?
    Number of Sunbeds:
    Are the sunbeds controlled by reception?
    Please advise how they are controlled:
    e.g. Coin / Token operated etc.
    What percentage of the annual turnover is derived from the sunbeds?
    %
    Has a Health & Safety Risk Assessment of the premises been carried out?
    A formal procedure is to be established that periodically audits the effectiveness of the companies health and safety documentation and procedures against best practice and to ensure that it reflects the hazards and risks to which the organisation and its employees and visitors are exposed. Once reviewed the documents should be signed and dated by a director and brought to the attention of all employees on a signed receipt basis.
    Is there a Health & Safety Policy in place?

    Risk Protections

    Does the proposed premises comply with the minimum security requirements described below?
    1) The Final Exit Door of the business premises is fitted with either a mortice deadlock or hook lock, which has 5 or more levers with matching boxed striking plate and conforms to BS3621 standard, or a cylinder operated deadlock or a deadlocking multi-point locking system. Timber final exit doors frames must be at least 45mm thick. All aluminium framed final exit doors are to be fitted with a swing bolt type mortice deadlock; and
    2) b. All other external doors and all internal doors giving access to any part of the building not occupied by the insured for the purposes of the business are fitted with security bolts approximately 30cm from both the top and bottom of the door; and
    3) All cellar flaps are fitted with the security as detailed in 2.a. or 5-lever close-shackle padlocks, together with substantial locking bars; and
    4) All ground floor and basement opening windows and skylights and all other opening windows and skylights, accessible from roofs, balconies, decks, canopies, down pipes or canopies must be fitted with key operated window locks or permanently fixed shut.
    Any door or window officially designated to be a fire exit by the applicable Fire Authority is excluded from these requirements
    Please provide full details:
    i.e type of locks, how they don't comply, etc.
    Are the premises thoroughly protected by an intruder alarm system, under the sole control of the insured?
    What type of alarm is installed?
    Does the alarm have Police Response?
    Are the premises protected by an automatic fire detection and warning system that runs from the mains electricity (with battery back-up)?
    Have you carried out a Fire Risk Assessment?
    What fire safety measures are in place?
    Is the CCTV recordable?
    How many days are the CCTV recordings stored for?
    Are CCTV recordings kept offsite?

    Claims

    Has the Proposer(s), Partner(s) or Directors(s) suffered a loss, claim or incident (which may give rise to a claim) at these premises, or any other premises, whether insured or not within the last 5 years?
    Please provide details:
    Date Type of ClaimDetails PaidReserveMeasures Taken
    Add row

    Additional Information

    Do you want to bring any further information to the underwriters attention?
    Please provide full details:
    Current Insurer
    Target Premium
    £
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