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.

Did you Know?

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.

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.

 

 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Claim Example

A treatment gone wrong

An experienced laser therapist performed IPL laser treatment on a regular client to remove pigmentation on her face. Despite carrying out a patch test prior to the treatment with no side effects, the client ended up suffering a severe reaction which left burns and scarring to her forehead. Unfortunately, the client lodged a claim alleging the therapist had been negligent in performing the IPL treatment, and it was determined that the client was unable to lead a normal life due to suffering severe psychological trauma as a result of the scarring. The matter was settled for a whopping $76,000, including defence costs, which was paid under the therapist’s Professional Indemnity policy.

3 things to ask yourself when buying insurance

  1. Does the policy cover all services offered by your business? There are standard policy exclusions for activities such as laser treatment, piercings, tattoo removal and Botox injections meaning they will not be covered by your policy, unless an application is made  to specifically cover those risks and the insurer agrees to do .
  2. Does your commercial lease require you to have a particular level of Public Liability or Glass insurance?
  3. How much would it cost to replace your stock, contents and salon equipment if they were to be damaged by an insured event?

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?

Fantastic! So easy to get cover and at such a competitive price!

Chanae H
Hair & Beauty Services

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
Hair & Beauty Services

BizCover is a fantastic service comparing different insurance quotes. Extremely happy with quick and efficient service.

Kiralee T
Hair & Beauty Services

Such an easy and simple process. Best part is I was covered immediately.

Kiana S
Hair & Beauty Services

Thank you for making your process incredibly easy, this was just the best experience. Thank you

Jo M
Hair & Beauty Services

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