Shop and Salon Insurance is for businesses that welcome customers to their premises. This covers places like retail shops, hair and beauty salons, barbers, and treatment rooms. In other words, anywhere daily work depends on the space and face-to-face service.

These businesses face many risks, with property damage being a major concern. Fire, flood, water leaks, theft, or vandalism can harm the building, fixtures, and stock. Even small incidents can disrupt business, especially if they affect key equipment or areas.

Stock is a major asset for retail businesses. Losing or damaging stock can quickly affect income, especially if items are seasonal, expensive, or hard to replace. In salons, tools and machines are just as vital, so protecting them matters too.

Having customers on site brings extra risks. People might slip, trip, or get hurt, which could lead to claims. In salons or treatment businesses, there’s also risk from the services themselves. Even when everything is done right, customers might still make a claim if they’re unhappy or feel harmed.

Shop and Salon Insurance usually brings together several types of cover in a single policy. Property insurance protects your building, contents, and stock. Public liability covers injuries to customers or damage to their property. If you have staff, employers' liability is included. Business interruption cover helps replace lost income if you can’t trade after an insured event.

You can add extra cover to fit your business. For example, salons offering specialist treatments might need treatment risk cover. You can also include money cover, glass cover, or protection for equipment breakdown if needed.

At base Insurance, we help you get Shop and Salon Insurance that matches how your business works. We look at your premises size, stock, equipment, staff, and the services you offer. We also consider your opening hours, customer numbers, and location, since these all affect your risks.

With the right insurance, you can focus on running your business and serving customers, knowing that unexpected problems won’t cause lasting financial harm.