Quotation Request

Freelance / Self-Employed Hair, Barbering, Beauty and Make-Up

Contact Details
Declarations
Activities
Cover
Claims
Qualifications
Statement of Fact
Notes
*Hidden* Payments
*Hidden* Calculations
*Hidden* Export and Import Data
*Hidden* Vulnerability Assessment

Contact Details

Proposer Name
Name of all Partners / Directors:
TitleFirst NameSurname
Add row
Trading Name
(if relevant)
Your Company Number (Companies House Number if your Company is Ltd or LLP)
Please enter the number of Directors
Please enter the Legal Title for your company or group
Address
Mobile Phone
Evening Phone
Email Address
Email & Password
Please fill the details in to register & set up a password. If you have already registered and you forgot your password, please click on the 'Forgot your password?' hyperlink below.




Date of Birth
Please provide further details:
Postcode Letters
Please enter details

Declarations

Have you:
Ever had an insurance proposal declined, renewal refused or insurance cancelled or special terms imposed?
Please provide details:
Ever been convicted of or charged (but not yet tried) or been given an Official Police Caution in respect of any criminal offence, other than a motoring offence, unless spent by the Rehabilitation of Offenders Act?
Please provide details:
Been declared bankrupt or insolvent or been the subject of bankruptcy proceedings?
Please provide details:
Date of BankruptcyCircumstancesDetails of RestrictionsWas this voluntary bankruptcy?
Add row
Been the subject of a County Court Judgement (CCJ), an Individual Voluntary Arrangement (IVA), a Company Voluntary Arrangement (CVA), Debt Recovery Order (DRO) or a Sheriff Court Decree?
Please provide details:
Been convicted during the past 5 years of any offence relating to Health and Safety of your employees or members of the public in connection with your business
Please provide details:
Been resident in Great Britain, the Channel Island and Isle of Man for 12 months or more
Please provide details:

Activities

What are the activities you carry out as a Professional Freelancer?
Please tick all that apply
Please select at least one option.
Are you a trainer, teacher or tutor in respect of any of the above activities?
Policy extends to indemnify the Policyholder for legal liability incurred in respect of Teaching/ Tutoring (within the accepted list of Treatments illustrated above) however Cover does not attach if the Policyholder owns, manages or controls a training establishment or school.
Do you offer your Own Training?
Is Training restricted to Certificates of Attendance, Masterclass &/ or Refresher Courses?
Business Location
Please tick all that apply
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please note: cover excludes Fixtures/ Fittings & Contents. However we can insure Kit (*Business Equipment/ *Stock)
Please select at least one option.
Are you a SFX/Prosthetics professional?
Please ensure that You and any Insured Person covered by this policy has gained qualifications recognised by the Make-Up, Prosthetics and SFX industry for treatments undertaken. In the event of a claim under this policy You will be required to provide evidence of relevant qualifications in order to qualify the claim.
Are you a member of the following organisations?
Please tick all that apply
Please provide details:

Cover

Public & Products Liability

This policy covers You on a worldwide basis (excluding United States of America and Canada) for up to 31 days per trip
Do you wish to extend the policy to include United States of America and/or Canada?
Will you be working there

Employers' Liability

Employers' Liability insurance protects you if an employee or person working under your direct control claims they've been injured or becomes ill as a result of working for you. It's a legal requirement for any UK business with employees.

Do you require Employers' Liability cover? (£10,000,000 cover)
Do you wish to cover additional staff?
If you require any assistance with who to insure please contact us
Please list all persons you would like to be covered under this policy (EXCLUDING YOU) :-
CategoryNumber of peoplePermanent member of staff?
Add row
Please provide further details:
Employer Reference Number (ERN) Exempt
Employer Reference Number (ERN)
TOTAL number of people to insure under this policy (inc Proposer)
*HIDDEN*
Total Number of Other
Total Number of Front of House
Total Number of people excluding Front of House
Total Number of Apprentices
Total Number of Saturday Personnel
Total Number of Partners
Total Number of People to charge full PL Premium

Business Equipment / Stock

This is covering your hairdressing, barbering, beauty & or make up kit including products (stock).
The limit selected needs to reflect the cost to replace your kit and products (stock) as new.
Is the Single Article Limit sufficient?
Please advise:
£

Business Money (Cash)

Start date
Cover can be arranged up to 1 month in advance of the cover start date
Name of current insurer
(enter none if you are not currently insured)
Do you have a promo code?
Please enter your promo code

Claims

In connection with The Business or any other business in which you or any director or partner are, or have been involved, and in respect of the cover(s) now granted:

Has there been any losses or incidents giving rise to a claim in the last 5 years?
Please provide details:
TypeDateIs Claim Settled?How Much was Claim (£)?
Add row
Please provide further details:

Qualifications

Acceptable Qualifications

Please review the acceptable quailifications below:

Conditions applicable to Treatment Risks Extension

It is a condition precedent to Our liability that

You and any Insured Person covered by this policy is deemed as qualified by either

1. A Certificate received from a course recognised by the Barber, Hairdressing, Beauty and Make-Up industry for the treatments undertaken. In the event of a claim under this Section You shall provide evidence of the relevant qualifications
2. Apprenticeship
3. A minimum of 12 continuous months experience in the relevant trade

Please note that You must be deemed a 'qualified' barber and/ or hairdresser to undertake the following Treatments* and hold either a Certificate recognised by the Barber and/ or Hairdressing industry or minimum of 12 continuous months experience:

• *Cut Throat/ *Hot Towel/ *Turkish Shaving & *Wet Shaving
• *Ear Singeing
• *Facial Waxing
• *Hair Extensions
Is cover required for Non-Surgical Hair Replacement Systems including Mesh Hair Systems?
Please ensure that You and any Insured Person covered by this policy has been trained in Hair Replacement Systems & has a formal qualifications recognised by the Hairdressing industry. In the event of a claim under this Section You will be required to provide evidence of relevant qualifications in order to qualify the claim.
Treatments Covered

Please review the treatments covered and tick the box to acknowledge

Barbering including:

• Cutting, clipping and hair art
• Cut-throat, hot towel, Turkish shaving and wet shaving
• Ear singeing, facial waxing including threading
• Hand, arm, shoulder, neck and head/scalp massage
• Ear Piercing by gun and stud method only

Treatments Covered

Please review the treatments covered and tick the box to acknowledge

Barbering including:

• Cutting, clipping and hair art
• Cut-throat, hot towel, Turkish and wet shaving
• Ear singeing, facial waxing including threading
• Hand, arm, shoulder, neck and head/scalp massage
• Application, fitting, cutting and maintenance of non-surgical hair replacement systems including mesh hair systems
• Ear Piercing by gun and stud method only

Hairdressing including:

• Shampoo, setting, drying and cutting hair, colouring (including bleaching, dyeing and tinting), relaxing, hair straightening , hair extensions, permanent waving, normal and special treatment of the hair carried out by a hairdresser
• Brazilian and Keratin smoothing treatment, colour additives and bonding treatments
• Work on wigs and hairpieces, fitting, cutting and styling of wigs and hairpieces
• Ear Piercing by gun and stud method only
Hairdressing including:

• Shampoo, setting, drying and cutting hair, colouring (including bleaching, dyeing and tinting), relaxing, hair straightening , hair extensions, permanent waving, normal and special treatment of the hair carried out by a hairdresser
• Brazilian and Keratin smoothing treatment, colour additives and bonding treatments
• Work on wigs and hairpieces, fitting, cutting and styling of wigs and hairpieces
• Application, fitting, cutting and maintenance of non-surgical hair replacement systems including mesh hair systems
• Ear Piercing by gun and stud method only
Beautician Treatments including:

• Application of cosmetics, body wraps, facial masks, henna tattoos, exfoliation treatments, false/ spray tans, airbrushing and bleaching
• Application of proprietary hair removal preparations including electrolysis, sugaring, threading, epilation and use of tweezers
• Cellulite/ stretchmark treatments
• Eyebrow and eyelash bleaching, plucking, shaping, tinting and threading including extensions and High Definition/ HD Brows
• Manicure and pedicure (but not chiropody) including the application of acrylic coatings, nail art and nail extensions
• Massage including Swedish Massage, full body, back, scalp, neck and shoulder, leg and foot massage
• Ear piercing by gun and stud method only


Eye Technician:

• Eyebrow and eyelash bleaching, plucking, shaping, tinting and threading
• Eyelash extensions and HD (high definition) brows


Holisitic Treatments including:

• Aromatherapy
• Hopi ear candles
• Hot stone massage
• Indian head massage
• Reflexology
• Reiki


Make-Up Artist including:

• Bridal hair styling* and make-up
• Period and vintage hair styling* and make-up
• Airbrushing and spray tans
• Application of cosmetic products and henna tattoos
• Application, creation, dressing and making of wigs, hairpieces and postiche
• Facial hair grooming and maintenance
• Eyelash extensions, eyelash and eyebrow shaping, plucking, tinting and threading
face, hand and body make-up including face and body painting
• Camouflage make-up
• Ageing hair styling* and make-up
• Stage hair styling* and make-up including editorials, fashion, film, photoshoots, theatre, TV including HD work

*hair styling involving use of brushes, combs, irons, wands, hairdryers and rollers (heated)


Nail Technician including:

• Manicures
• Pedicures (but not chiropody) including the application of acrylic coatings, nail art and nail extensions
In addition to the treatments listed above, this Treatment Risks Extension extends to include the following:

Screen Media Make-Up Artist

• Application and installation of contact lenses
• Application of prosthetics including head, body and bodysuits
• Creation of custom-made prosthetics including dental appliances, false teeth, moulds and dentures
• Life casting application and creation including bald caps
• Special effects (SFX)
• Teeth colouring

Statement of Fact

Any word or expression given a specific meaning shall be highlighted with a leading capital letter and in bold text within the Policy Wording.

Fair Presentation of the Risk
You have a duty to make a fair presentation of the risk when You first take out this policy and also whenever You renew it or ask Us to change Your cover. You should ensure that any information You have provided to Us and the content of any application form (including the content within this online application), declaration and / or Statement of Fact is accurate and complete. If You do not comply with Your duty to make a fair presentation of the risk, Your policy may not be valid or the policy may not cover You fully or at all.

You must also tell Us about any facts or changes which affect Your insurance and which have occurred either since the policy started or since the last renewal date.

If You are not sure whether certain facts are relevant please ask Us.

You must check all the information contained within this document immediately and tell Us if any details are incorrect. You should keep a written record (including copies of letters) of any information You give Us.

A Policy Summary and a copy of the Policy Wording are available upon request.


Please tick to confirm you agree with the above STATEMENT OF FACT
* If you cannot comply with the statement and wish to proceed, please click the UNABLE TO COMPLY button below to save your data and have one of our specialists contact you.

Marketing Consent

From time to time we would like to send you information about products and services that may be of interest to you. Equally Insurers may alter the cover and or implement changes to the Freelance policy and we would like to communicate these changes to you.Please tick the relevant box below to confirm/ decline your consent. You can view our full privacy policy on our website.
Marketing Communication will be received from Just Barber or Just Hair & Beauty, trading names of Adler Fairways Insurance Brokers Ltd

Additional Notes

Additional Notes

*Hidden* Payments

 
Finance Information
Finance Provider
Finance Provider Name
Loan Agreement Number
Finance Charge Percentage
%
Indicative APR
%
Finance Number of Instalments
Finance First Instalment Premium
£
Finance Subsequent Instalments
£
 
Direct to Insurer Information
Finance Charge
%
Indicative APR
%
Number of Instalments
Initial Instalment Amount
£
Subsequent Monthly Instalments
£

*Hidden* Calculations

Rate Version
Document Version
Policy Prefix
Set by rating file
Custom Policy Number
New Policy Prefix
Set by rating file
New Custom Policy Number
UMR
Policy Wording Ref
Technical Premium excl IPT
Set by rating file
New Business and Renewal only
£
Gross Premium excl IPT
Set by rating file
New Business and Renewal only
£
Rating Strength (%)
Set by rating file
New Business and Renewal only
£

MTAs & Cancellations

Hidden Annual Days
This is used to calculate the number of days in a policy year and will account for leap years.
Hidden MTA Days
This is used to calculate the number of days remaining on cover on an adjustment or cancellation record.
MTA Calc Premium *calculation purposes only*
£
MTA Annualised Premium
£
Cancellation Reasons
OriginalRatesOrRatesReRun
This field will be set in the renewal rating file if any sums insured are to be subject to index linking at renewal.
This field is used as a check to determine how many times the rating has been run at renewal.
This essentially prevents index linking being applied to a sum insured more than once if the rates are updated on the matrix tab or via the Re-Run Rules button.
User browser info

Calculation Questions

Policy Renewal Count
Total Number Claims
Claims to be loaded at MTA
**This is to cater for claims that have been added by AF so that they are taken into account at renewal but mustn't be loaded at MTA**
Extended Training Fee
£
PL Claims Date in Months
PL Standard Base Premium
£
PL Standard SFX Base Premium
£
PL Worldwide Base Premium
£
PL Worldwide SFX Base Premium
£
PL Overseas Extension Load
£
PL Location Load
£
PL Claim Load
£
PL Net Premium
PL Net Premium Band
EL Claims Date in Months
EL Standard Base Premium
£
EL Standard SFX Base Premium
£
EL Worldwide Base Premium
£
EL Worldwide SFX Base Premium
£
EL Overseas Extension Load
£
EL Location Load
£
EL Claim Load
£
EL Net Premium
EL Net Premium Band
Business Stock Claims Date in Months
Business Stock SI
£
Business Stock Premium
£
Stock Claim Load
£
Business Stock Net Premium
Business Stock Net Premium Band
Money Claims Date in Months
Money Base Premium
£
Money Claim Load
£
Money Net Premium
Money Net Premium Band

Document Fields

Used for documents templates
All of the following fields are set by default by the rating file or the rules
Hairdresser
Barber
Beautician
Makeup
Nail Technician
PolicyBrand
Handler Name
Handler Phone Number
Handler Job Title
This Year Base Premium
£
This Year IPT
£
This Year Fee
£
This Year Total Premium
£
Previous Year Base Premium
Excl IPT
£
Previous Year IPT
£
Previous Year Fee
£
Previous Year Total Premium
£
NBRenewalBasePremium
£
NBRenewalIPT
£
NBRenewalFee
£
NBRenewalTotalPremium
£
PL Standard Base Premium for Proposer
£
PL Standard SFX Base Premium for Proposer
£
PL WW Base Premium for Proposer
£
PL WW SFX Base Premium for Proposer
£
Is this an imported case?
Are there MTA records that have been imported?
Number of Loss of Business Money Claims
General Notes/ Load/ Claim Info/ Territorial Limits/ CCJ
Referral Code
Used on BDX and set by rules based on the referral level

*Hidden* Export and Import Data

Agency Number
Product Target
This value is set automatically based on the product selected.
Insurer Account Name
This value is set automatically based on the product selected.
Insurer Account Reference
This value is set automatically based on the product selected.
Contact
Old Contact ref
Account Exec Office
Account Exec
Set in Rating File
Account Handler Office
Account Handler
Set in Rating File
EndCustomer Report created & saved to Client Level
Contact Source
Report Questions
Trans New Business
Pure New
Client Requirements
Client Needs
Basis of Recommendation
Sales Compliance
Sale Type
Advised Sale
Market Selection
Basis of Renumeration
Capacity when Sourcing Policy
Capacity when Placing Insurance
Capacity in Event of Claim
Documentation Compliance
ToB Sent
SoDaN Sent
Policy Summary Sent
Policy Wording Agreed
Policy Documentation Received
Policy Documentation Checked
Policy Documentation Sent
ToB Version No.
Insurer Notified of ELTO data
Payment Options
Invoice Account
Invoice Method

*Hidden* Vulnerability Assessment

Consent to Capture Vulnerability Details?
Consent to Share Vulnerability Type with Third Parties?
Consent to Share Vulnerability Details with Third Parties?
Vulnerability Type
Would this vulnerability be classified as:
Please select a Health Vulnerability option:
Please select a Life Event Vulnerability option:
Please select a Resilience Vulnerability option:
Please select a Capability Vulnerability option:
Vulnerability Notes
Handling Details
Handling Notes
Alternative Contact Details
Last Reviewed Date
Next Review Date