At the BBA we are also getting jobs for all over the world advertised with us. At the moment we have jobs for Hairdressers and Barbers in Dubai, we also have a job at the one and only Mandarin Oriental Barbershop in Hong Kong, Plus we have recently had a job being advertised for a head barber in a busy shop in Singapore. We also have vacancies for barbers in Australia in a five star hotel.
If you fancy any of these vacancies email email@example.com and we will forward you more information.
Who is Responsible?
Who, what and assumptions, can become a financial nightmare!
When we are approached to insure barbershops or self-employed individuals it is clear that in some cases our prospective clients do not question or downplay matters.
Barbershop seeks personnel
In the above situations, both the shop owner and self-employed barber could be uninsured!
Barbershop seeks insurance
If the shop is under insured, Insurers will apply ‘Average’ and reduce the amount of the claim down to reflect the under insurance. Let’s say the shop is insured for £5,000 for Contents and nothing else, but the actual amount reflecting replacing as new is £10,000, the shop is 50% under insured and as such the claim will be paid at £2,500 (50% of the insured value). Any other element, say stock let alone alterations to the fabric of the building (examples: partitioning, floor, ceiling, electrics, shutters etc.) are uninsured!
Assumption 5 can be cleared up by either digesting the terms of the lease to ensure what are your responsibilities or speaking with your solicitor to clarify. If there is a loss and these fittings are damaged the lease will make you responsible for replacing them! Never assume, check and insure to be safe.
Assumption 6 increases the risk of water ingress and subsequent damage to your contents. If you do not disclose that you have a flat roof or maintain the roof (per terms of full repairing lease/ insurance conditions) the claim may be dramatically reduced or not paid at all!
Barbershop: What to Insure?
Separating Contents from Tenants Improvements is not that hard as illustrated above with the advantage being that insuring Tenants Improvements is more cost effective than including all in Contents. More importantly not insuring Tenants Improvements and should you suffer a loss could be detrimental to the business if Insurers identify part of the claim being Tenants Improvements
Every Barbershop is unique, so there are usually anomalies and that is why we are here. Any questions about what cover you need or even if your current Insurance is placed elsewhere, we are here to help and offer advice.
Never underestimate for the sake of grabbing a bargain! Insure correctly and sensibly, remember ‘cheap is cheap for a reason’!
Gary Crowder, Account Director
Just Hair Insurance