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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
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An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Equipment is the main source of conflict here. An IPL, laser or skin improvement device is a substantial investment, often bought on instalments or on lease. If it does not deliver what was promised, breaks down repeatedly or the training and aftercare turn out not to be arranged, you have a contractual dispute with the supplier. That falls under the contracts and supply module.
Note the difference between purchase and lease. With a lease the payment obligation is separate from whether the device works: you cannot simply stop paying because the machine is standing idle. The dispute with the supplier and the dispute with the leasing company are two separate files, sometimes with two different opponents.
The third line is supervision and enforcement: local authority rules for certain treatments and supervision of cosmetic products and equipment lead to decisions you can object to. That calls for the administrative law module. Injury to a client does not belong here but with the liability insurance.
What does legal expenses insurance for beauty salons cover?
The structure of the cover in three parts, with an overview per situation below.
You choose yourself
Modules
The sections that suit your business.
Debt collection
Contracts and suppliers
Employment law and staff
Administrative law and permits
Lawyers
What you get
Legal assistance and legal costs, not compensation for loss.
Your own lawyer on your case
Legal costs included
Advice when a dispute is looming
Know in advance
Limits
Where the cover stops.
A three-month waiting period
Minimum financial interest per case
Maximum external costs
What is covered
Situation
Covered
Collection of an unpaid invoice
Sometimes
A dispute with a supplier over delivery
Yes
A dismissal case or employment dispute
Sometimes
An objection to a permit decision
Sometimes
A dispute that was already running when you took out cover
No
Tax proceedings without that module
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The dispute with the equipment supplier
A device that does not do what was promised is legally a matter of non-conformity. You can claim repair, replacement or cancellation, but what exactly was promised has to be established. Keep the quotation, the specification, the record of the demonstration and all correspondence about faults. The insurer assesses in advance whether the case is viable; a claim resting only on oral assurances is rarely taken on.
A lease is a different contract from a purchase
Under a finance lease or hire purchase the payment obligation towards the leasing company continues, even if the device is standing idle. If you stop paying to put pressure on the supplier, you are in default yourself and your position in both files changes. Conduct the discussion about the defect with the supplier and the discussion about the instalments with the leasing company separately, and have your lawyer watch both lines at once.
A complaint about the result or a claim after injury
A client who is dissatisfied with the result and does not want to pay the bill is conducting a dispute: legal expenses. A client with a burn, pigment damage or an allergic reaction brings a claim under Article 6:162 of the Dutch Civil Code: liability. If the cause lies in a defective device or product, you can approach the producer under Article 6:185 DCC. If in doubt, report a file to both insurers.
Supervision and permits call for administrative law
Certain treatments are subject to local authority rules or hygiene requirements, and cosmetic products and equipment are supervised. An inspection can end in an instruction, an order subject to a penalty or a ban on offering a treatment. An objection and appeal against that fall under the administrative law module, which is not included as standard. Without that module you bear the cost of such a process entirely yourself.
The three-month waiting period
A dispute that was already running or was foreseeable when you took out the policy is excluded, even after the waiting period and even if you switch to another insurer. So take out the policy while things are calm. This is very much an insurance you have before you need it.
What does your premium depend on?
Annual turnover of the salon. The basis of calculation on which the premium is set.
Number of practitioners. Helps determine the number of employment cases to be expected.
Type of treatments. Equipment-based treatments have a different dispute profile.
Contracts and supply module. Needed for disputes with suppliers and leasing companies.
Administrative law module. For objections to instructions and enforcement decisions.
Maximum external costs. The limit for lawyers' and experts' fees per case.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
My device does not do what was promised. Is that covered?
With the contracts and supply module, usually yes. It is a matter of non-conformity. What is decisive is what can be shown to have been promised. Keep the quotation, the technical specification, the record of the demonstration and all reports of faults. If your position rests only on oral assurances, the insurer can refuse the case for lack of a reasonable prospect of success.
Can I stop the lease if the device is broken?
Not just like that. Under a finance lease or hire purchase the payment obligation towards the leasing company continues, even if the machine is standing idle. If you stop paying, you are in default yourself and weaken your position in both files. Conduct the dispute about the defect with the supplier and the dispute about the instalments separately with the leasing company.
A client has suffered a burn. Which policy?
The liability insurance. Personal injury is a claim under Article 6:162 of the Dutch Civil Code and legal expenses insurance pays no compensation. If the cause turns out to lie in the device or in a product, you can approach the producer under Article 6:185 DCC. That recovery line can run through your legal expenses policy.
Does an objection to a local authority decision fall under it?
Only with the administrative law module. An inspection of hygiene or of the offering of certain treatments can end in an instruction, an order subject to a penalty or a ban. An objection and appeal against that are not insured without that module. Check on your policy schedule whether administrative law is included before you enter such a process.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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