Salon Hairdresser Treatment Risk

  1. tinting dyeing bleaching permanent waving or special treatment of the hair normally carried out by a hairdresser or barber (including cut throat and/ or wet shave)
  2. eyebrow and eyelash plucking shaping and tinting
  3. manicure and pedicure (but not chiropody) including the application of acrylic coatings
  4. application of cosmetics and body and facial masks
  5. application of proprietary hair removal preparations other than electrolysis
  6. normal Hairdressing work on wigs and hairpieces
  7. ear piercing by the gun and stud method
  8. spray/ fake tan
  9. massage (including Indian Head Massage)
  10. body wraps

Qualified Operator

Any person aged 16 years or over who has at least one of the following
(a) more than 2 years continuous experience of professional Hairdressing or beauty treatments or
(b) completed 2 years technical college training in Hairdressing or beauty treatment
(c) completed and passed Level 1 or higher National Vocational Qualification (NVQ) in hairdressing or beauty treatments
(d) completed and passed a Cobra Hair Academy Diploma

Operation

Any work on the hair face scalp or body carried out in connection with the Business

Definitions

The Cover provided by Section Public Liability is extended to include liability arising out of any Treatment undertaken in the course of the Business at the Premises by the Insured or any Employee.

Exceptions

The Company will not be liable under this Section in respect of

  1. the application or use of any lotion hair dye or other preparation wholly or partly manufactured produced mixed or treated in any way by the Insured or any Employee
  2. use of any product contrary to the makers or vendors instructions other than use of Colourstart as an alternative skin test
  3. any treatment carried out by any person other than a Qualified Operator except
    (a) the washing and drying of hair hairpieces or wigs
    (b) whilst such person is under the direct and continuous supervision of a Qualified Operator
  4. any electrical treatment violet ray treatment treatment of the eyes vibro massage other than of the scalp hypodermic injection surgical operation or any operation involving the removal or piercing of skin
  5. ear piercing unless by the gun and stud method
  6. the use of sunbeds or solariums
  7. any treatment not listed in the Definitions/ Treatment Risks (accepted)

Special Conditions

Sterilisation

Razor or clipper blades steel combs or any item which could pierce the skin whilst in use must be brand new or thoroughly sterilised

Limit of Liability

£2,000,000 for all claims relating to one cause or incident.