Insurance for Hair & Beauty Services

Why do Hair & Beauty Services need Insurance?

Whilst you’re busy keeping heads turning, BizCover partners with some of Australia’s leading insurers to offer you business insurance, a cut above the rest. With just a few clicks or a phone call, you’ll get multiple competitive quotes. Select your preferred policy and you’ll be covered instantly, so you can get back to doing what you love.

Insurance for Hair & Beauty Services

Professional Indemnity*

Your goal is to make your clients look and feel great – from treatments and advice, to creating a whole new look and style, they expect the very best. Sometimes things can go wrong, which can be an emotional and traumatic time. A compensation claim against you could be very costly to your business, not to mention damage your reputation. Professional Indemnity insurance is designed to protect your business from losses claims made  against you arising from  actual or alleged negligence  or omissions in the provision of your professional service or advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by your policy.

Public Liability Insurance*

Whether you work from your own salon or you provide a mobile service, you’re always in close contact with your clients, making Public Liability insurance an important cover for hairdressers and beauty therapists.

Public Liability insurance is designed to provide protection for you and your hair and beauty business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Slips, trips, mishaps caused by chemicals, hot wax, scissors, razors, electrical equipment – these all mean your business  accidents. Fortunately, this is where Public Liability insurance can provide peace of mind and  protection for your business.

Business Insurance*

Your customers are important, but so is stock, your equipment, salon contents and you’re your commercial premises.

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).  A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to a business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

3 things to ask yourself when buying insurance

1. Does the policy cover all your areas of work? Some policies have restrictions and may not cover all your activities (if they are not standard). For example, in most cases piercings, tattoo removal and Botox injections will not be covered.
2. What kinds of risks does my salon present? Does your landlord require you to have a particular level of Public Liability?
3. How much would it cost to replace your stock, contents and salon equipment if it was lost, damaged or stolen?