Zurich's commercial business unit has launched a hair and beauty “all risks” insurance product.

The product provides a quick quote facility, has no proposal forms and premiums can be paid in monthly instalments.

Among the cover available is business interruption up to £400,000, accidental loss or damage to all glass and fixed sanitary ware and loss of metered water up to £2,500.

Personal accident cover, insuring salon owners and any named employees against bodily injuries that leave them unable to work, is also available as is employers' liability up to £10m and public and products liability up to £2m.

Roger Thrift, underwriting and marketing director, said: “Liability cover is one area that we think will become increasingly relevant to hair and beauty salon owners. People are now spending a great deal more on their hair. The average spend per salon visit in London is over £30 and a haircut is expected to cost around £54 in five years' time.”

In addition to the cover provided, a number of free helplines are also available, including an out-of-hours claims facility for emergencies, and a 24-hour glass replacement service.