Occupational illness · trainees · chair rental
Liability insurance for a hairdressing salon
In a salon with staff the most expensive claim rarely comes from a client. Hand eczema and respiratory complaints among staff are the claims that run on for years.
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- AFM licence 12016589
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Deze pagina in het Nederlands: Aansprakelijkheidsverzekering voor een kapsalon.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Hairdressers work every day with wet hands, persulphates in bleaching powder and aerosols from sprays. Hand eczema and respiratory complaints are recognised occupational illnesses in this sector, and they often appear only after years. Under Article 7:658 of the Dutch Civil Code the burden of proof lies with you: you must show that gloves were available, that there was extraction or sufficient ventilation, that instruction was given and that you enforced it. The same duty of care applies to trainees and work placement students through subsection 4 of that article. A risk assessment naming the chemical exposure is the most important document you have here.
The second theme is the chair rental. If self-employed people work in your salon with their own clients, they are not staff but they are on your floor and use your basins, equipment and sometimes your products. They are not automatically covered under your public and employers' liability insurance. Record for each renter that a liability policy of their own is in force, and keep the evidence. A client who suffers loss almost always holds the salon he walked into liable.
What you bear yourself: the carrying out a failed treatment again and refunding the amount, because that is performance of the contract. Recall costs for care products you sell under your own name, even where liability for the loss itself is covered; see the product liability insurance. And damage to your own chairs, mirrored walls and equipment, which belongs on business contents insurance and not on a liability policy.
This page deals with one situation. The full overview is on Compare public and employers' liability insurance (AVB).
What to look out for
Four subjects that determine the outcome of a claim at a salon with staff.
Record exposure from day one
An eczema claim comes years after someone starts work. At that moment you must be able to show which products were in use at the time, which gloves were available and what instruction was given. Keep product data sheets and records of instruction for each member of staff. Without those records a defence to a 7:658 claim cannot be run.
Damage caused by the treatment itself
A burnt scalp or hair that has broken off arises from your employee's action, not alongside it. Some insurers exclude that or bring it under a separate section treatment damage. Ask about this expressly and record for each member of staff who may carry out which chemical treatments.
Water, electricity and the rented premises
Basins, water heaters and hairdryer sockets make leaks and fire real risks, and the damage extends to the neighbours and the landlord. Tenant's liability is a separate section. Without that cover you stand alone in putting right the premises you rent. For loss of turnover while you are closed there is business interruption insurance.
Client data and appointment systems
An online diary with names, telephone numbers and treatment history is processing of personal data. The costs of a data breach — investigation, notification, putting matters right — do not fall under the liability policy, and an administrative fine is not insurable anywhere. There is cyber insurance.
What does your premium depend on?
- Payroll and number of employees: the basis for employers' liability
- Trainees and work placement students: they fall under the same duty of care as permanent staff
- Share of chemical treatments: bleaching and perming determine the exposure
- Chair rental to self-employed people: this calls for records of their own cover
- Rented or owned business premises: this determines whether tenant's liability cover is needed
- Sale of your own product line: activates the product liability section
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Basic | Extended |
|---|---|---|
| A trainee suffers an eye injury while mixing bleaching powder | Yes | Yes |
| A child pulls over a mirrored wall in the waiting area and is injured | Yes | Yes |
| An employee burns a client's scalp with a hood dryer set too hot | No | Yes |
| Your own hairdryers and chairs are damaged by a short circuit in the wall sockets | No | No |
| A client claims for a wig and lost working days after a failed treatment with no injury | No | No |
| A care product from your own line causes a rash on several clients | Provided that | Yes |
Extended means a policy with the treatment damage section added; injury to staff and to clients is assessed in two different ways in any event.
Frequently asked questions
This is what people ask us most.
An employee is off work with hand eczema. Can she hold us liable?
Yes, that happens regularly in this sector. Occupational illness claims are assessed under Article 7:658 of the Dutch Civil Code, where you must show that you provided protective equipment, gave instruction and supervised. Without those records liability is established in principle. Report the claim to your insurer straight away; Article 7:941 DCC requires this as soon as you know of it.
Are the self-employed people who rent a chair from us covered?
Not automatically. They run a business of their own and your policy covers your business and your staff. If you do want them covered, they must be named expressly as joint insureds on your policy; otherwise it is more practical to require every chair renter to show liability insurance of their own and to check that each year.
A client demands money back after a failed colour.
Refunding the treatment and a free correction are performance of the contract and not an insured loss. If the client also claims compensation with no injury or damaged property, that is pure financial loss, which is excluded on public and employers' liability insurance. If there was injury to the scalp, the assessment changes.
A leaking water heater damages the shop below us.
Damage to the business below is property damage to a third party and covered in principle. Damage to the rented premises themselves runs through the tenants' liability section, which is not included as standard. Your own contents and your loss of turnover while you are closed fall on yet other policies; check those three together.
Read more
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