Insurance broker / Hairdresser and beauty salon insurance / Policy wording archive Salon insurance
Hiscox by Hiscox: the policy wording in full
Branchenneutrale Betriebshaftpflicht für die im Schein genannte Betriebsart mit Tätigkeitsschäden, Schlüsselverlust, weltweitem Schutz ohne USA und Kanada und zehn Jahren Nachmeldefrist, ohne Regeln für Behandlungen am Kunden.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Hiscox by Hiscox.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: dedicated salon policy, package policy with trade module or general business wording | no | „Versicherungsschutz besteht für die im Versicherungsschein aufgeführte Betriebsart im …“ | Abschnitt A I., page 4 |
| Insured activities named (hairdressing, cosmetics, pedicure, nail design, massage, tattooing, piercing) | not addressed | ||
| Combined liability limit for bodily injury and property damage | not addressed | ||
| Annual aggregate limit (e.g. twice the limit) | yes | „Die Leistung des Versicherers je Versicherungsjahr ist auf die vereinbarte …“ | Abschnitt B V. 7.2, page 16 |
| Contents: sum insured at replacement value of fittings and stock | not addressed | ||
| Waiver of underinsurance for contents | not addressed | ||
| All-risks cover for contents | not addressed | ||
| Mobile work at clients' homes, care homes, hospitals or events covered | not addressed |
Treatment damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury from treatment of clients (hair, skin, nails) covered | yes | „Dienstleistungen wie z. B. Beratung, Wartung.“ | Abschnitt A I. 1., page 5 |
| Damage to the hair itself (breakage, hair loss, discoloration from colouring, bleaching, perms, straightening) | not addressed | ||
| Allergic reactions and intolerance to products used | not addressed | ||
| Chemical and heat burns to scalp and skin (chemicals, hot tools, wax) | not addressed | ||
| Infections caused by treatment (fungal, bacterial, viral, e.g. pedicure, nails, shaving) | not addressed | ||
| Claims for not achieving the desired result (wrong cut or colour without injury) | yes | „Nicht- oder Schlechterfüllung einer vertraglichen Leistungspflicht oder“ | Abschnitt A I. 1., page 5 |
| Costs of corrective treatment by third parties, e.g. wig, hairpiece, dermatologist | not addressed | ||
| Compensation for pain and suffering and client's loss of earnings after treatment damage | not addressed | ||
| Deductible for treatment damage | not addressed | ||
| Documented information or client consent required (patch or allergy test, consent form) | not addressed | ||
| Treatment of minors (colouring, piercing, tattooing under 16 or 18) excluded or subject to consent | not addressed |
Special activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tattooing covered | not addressed | ||
| Piercing and ear piercing covered | not addressed | ||
| Permanent make-up and microblading covered | not addressed | ||
| Tattoo and permanent make-up removal (laser or chemical) | not addressed | ||
| Laser and IPL treatments (hair removal, skin) covered | not addressed | ||
| Injections and fillers (hyaluronic acid, botox) and thread lifts excluded or only for medical professions | not addressed | ||
| Apparatus-based cosmetics (microneedling, ultrasound, cryolipolysis, radiofrequency) covered | not addressed | ||
| Chemical peels with acids covered | not addressed | ||
| Medical foot care (podiatry) and diabetic foot care covered | not addressed | ||
| Operation of sunbeds covered | not addressed | ||
| Hair extensions, thickening and hair replacement covered | not addressed | ||
| Training, seminars and demonstrations for others covered | yes | „Organisation und Ausführung von Betriebsveranstaltungen, Seminaren oder Schulungen“ | Abschnitt A I. 2.2, page 5 |
Business liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Product liability for care products and cosmetics sold | yes | „Herstellung von Produkten, Handel mit Waren“ | Abschnitt A I. 1., page 5 |
| Self-made or refilled preparations and mixtures covered | yes | „Herstellung von Produkten, Handel mit Waren“ | Abschnitt A I. 1., page 5 |
| Damage to clients' property (clothing, glasses, jewellery, bags) during treatment | yes | „Tätigkeiten (z. B. Bearbeitung, Reparatur oder Prüfung) an und mit fremden Sachen.“ | Abschnitt A I. 2.14, page 7 |
| Loss of clients' coats and belongings | yes | „Beschädigung, Vernichtung oder Abhandenkommen von Sachen (nicht jedoch Geld …“ | Abschnitt A I. 2.11, page 6 |
| Damage to rented business premises | yes | „Beschädigung gemieteter, gepachteter, geleaster Gebäude oder Räumlichkeiten …“ | Abschnitt A I. 2.13, page 6 |
| Loss of third-party keys (premises, clients' keys) | yes | „Abhandenkommen oder Verlust fremder Schlüssel oder fremder Code-Karten von Türen oder …“ | Abschnitt A I. 2.12, page 6 |
| Personal liability of employees, apprentices and temps covered | yes | „angestellten Mitarbeiter des Versicherungsnehmers“ | Abschnitt B I. 1., page 5 |
| Self-employed staff and chair renters covered | yes | „in den Betrieb des Versicherungsnehmers eingegliederten freien Mitarbeiter (natürliche …“ | Abschnitt B I. 1., page 12 |
| Environmental liability and damage (waste water with chemicals) | yes | „Umwelthaftpflichtversicherung“ | Abschnitt A I. 3. und 4., page 2 |
| Liability for data protection breaches (client records, bookings) | not addressed | ||
| Default cover for unpaid claims against third parties | not addressed | ||
| Run-off cover after closing the business | yes | „Versicherungsschutz besteht nur für Versicherungsfälle, die dem Versicherer nicht …“ | Abschnitt B III. 2., page 14 |
| General liability deductible | not addressed |
Contents, electronics, glass
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Robbery in the salon and in transit (daily takings) | not addressed | ||
| Cash and till contents covered | not addressed | ||
| Water damage including from basins, hair washing units and foot baths | not addressed | ||
| Storm and hail | not addressed | ||
| Other natural hazards (flood, heavy rain, backflow) | not addressed | ||
| Electronics and devices (till, dryers, laser, sunbed) against operating error, short circuit, surge | not addressed | ||
| Glass breakage (shop windows, mirrors, glass shelves, signs) | not addressed | ||
| Stock and goods (dyes, care products, retail goods) | not addressed | ||
| Clients' property under contents cover | not addressed | ||
| Tenant's improvements and shop fittings | not addressed | ||
| Simple theft without break-in (devices, scissors) | not addressed | ||
| Property deductible | not addressed |
Business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after property damage | not addressed | ||
| Indemnity period in months | not addressed | ||
| Waiting period or time deductible for interruption | not addressed | ||
| Closure by authority due to pathogens | not addressed | ||
| Loss of income when the owner is ill or injured | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Security requirements for contents (locks, shutters, alarm) | not addressed | ||
| Compliance with hygiene and trade rules as obligation | not addressed | ||
| Proof of qualification required (master, training, laser certificate) | not addressed | ||
| No reduction for gross negligence in property cover | not addressed | ||
| Best-performance or innovation clause | not addressed | ||
| Minimum term and notice period | not addressed | ||
| Group or framework contract via guild, chamber or association | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Hiscox SA, Niederlassung für Deutschland
- Distribution
- brokers and direct
- Bedingungen Betriebshaftpflicht by Hiscox modular Edition: Bedingungen 01/2019 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Hiscox by Hiscox and available as plain text.
Volltext Hiscox by Hiscox Friseur und Kosmetik · As text (Markdown) Hiscox by Hiscox Salon insurance