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[Music playing]
I'm Louise, I'm Nicole
and we own a salon together
We're called Mathew and Rebecca's Hair Studio
And my name's Brett, I'm the owner of the fish cage
and I've been in this industry for around about twenty five years
A year ago, I was lucky enough to stumble upon this job in the paper
with the position coming up
owning a salon
she offered the job to me saying "look, I'd really would like you to open the salon and take it over for me"
I asked Louise here to sort of come on board
and we've been lucky enough to be successful for a year
so hopefully it continues.
I've the fish cage open for around about 6 months now
simply if you're going to invest this sort of money in a business
you need to cover yourself for those accidents
I worry mainly about someone
accidently slipping over in here
hurting myself, something like that.
I have public liability insurance
but also workers compensation. The overall stock is covered for damage, damages and so on and loss
and theft to a certain point.
I just knew we needed to have some sort of insurance
and I spoke to the people at Allianz
and they sort of talked me through what I needed
with the business we had, being hairdressers.
It's very important to have insurance so we don't
fall flat on our faces if something does happen,
that we are covered.
Even though we are a small retail business, it's still four people that rely on it,
for their livelihoods.
I have business interruption insurance
and look, even if it's a short term interruption to the business,
every single day
of turnover is very important.
Business interruption
really important to us. Obviously the bills and the overheads
continue whether we are here or not
So for example there is a fire,
we need to re-establish the business
in another position.
It's important to basically reduce the downtime
of being out of business
I've got a lot of other things to concentrate on
and, you know, you don't need to worry about those things,
you need to be able to go home have a good night's sleep
I dealt with Allianz directly
spoke to them and asked them what I needed, and what I needed to do about it.
We have a business package
It just covered everything we needed and we are very happy with that.
Allianz was one of the
the companies that I had a call to they made it very easy
and that's one of the reasons why I decided to ensure with them.
Everything was easy,
they sort of went through the steps with me of what I needed to do
It's been exceptional
had no problems whatsoever
Pleasant people to talk to on the phone
It was so easy it tool one phone call and it was done.
It was all handled over the phone without any problems.
The weight off the shoulders to know that it is there
It's affordable and worth it.
Definitely worth it.
It didn't take me long at all to sort out my insurance for the shop, including
workers comp, fire cover and so on
and most importantly flooding.
[Music playing]