Insurance for Hair & Beauty Services
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Public Liability cover options for home-based salons
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Public Liability cover options for home-based salons
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What is hair & beauty services insurance?
Hair & beauty services insurance (the different types of business insurance available to beauty professionals and salons) helps cover the cost of common risks, such as third-party injuries, accidental property damage, and broken equipment.
Hair and beauty professionals face a variety of risks each day. These may include anything from a client injuring themselves on your business premises to the theft or damage of invaluable tools of trade. This is where the right insurance policies could help protect your business from unplanned bills caused by claims or lawsuits.
If paying them out of pocket would cut heavily into your business’ finances, then you might want to consider business insurance.
Why do hair & beauty services need insurance?
Hair and beauty professionals may need business insurance to meet their contractual obligations and pay unplanned expenses.
Lease salon space
Rent a chair in an established salon
Repair or replace equipment
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs hair & beauty business insurance?
Many hair & beauty professionals consider business insurance to protect their businesses. BizCover offers cover for many hair & beauty occupations, including:
Beauty Salons
Beauty Therapists
Brow & Lash Specialists
Costmetologists
Estheticians
Hairdressers & Barbers
Makeup Artists
Mobile Beauty Technicians
Nail Technicians
What types of insurance do hair & beauty services businesses need?
We offer a range of cover options to cover your beauty business’ premises, stock, equipment and more. Create an insurance package that fits your needs and buy in minutes.
Popular cover for hair & beauty services:
Hair & beauty services may also consider:
How much does hair & beauty insurance cost?
The average cost of business insurance for hair & beauty services businesses is $47 per month with BizCover.
However, the price you pay will depend on many factors, such as the services you provide and your annual revenue.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Laser hair removal is a standard insurance exclusion. That means if you are performing laser hair removal, you will typically have to apply to have this activity specifically covered by your insurance.
There are many types of insurance that hair & beauty services businesses may consider. Depending on your unique needs, you might want to consider:
- Professional Indemnity insurance* helps protect your business if a client claims that you acted negligently while providing your services or giving professional advice.
- Public Liability insurance* could help you manage third-party claims if slips, trips and mishaps are caused by your work activities, whether you work from your own salon or provide a mobile beauty service.
- A Business Insurance Pack* can help your protect business assets, like your portable equipment, supplies, and retail stock. It can also provide cover for things like broken glass and loss of revenue due to a business interruption.
Hear from our customers
Real-life customer reviews verified by Feefo
Fantastic! So easy to get cover and at such a competitive price!
Chanae H
After phoning a multitude of insurance companies, feeling very confused, I jumped on the Bizcover website and in less than 15 minute, found the perfect insurance for my small beauty salon. Highly recommended!!
Stephanie C
BizCover is a fantastic service comparing different insurance quotes. Extremely happy with quick and efficient service.
Kiralee T
Such an easy and simple process. Best part is I was covered immediately.
Kiana S
Real-life customer reviews verified by Feefo