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Insurance for Hair & Beauty Services

Free $10m Public Liability with your Professional Indemnity policy

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Whilst you’re busy keeping heads turning, BizCover can ensure your insurance is a cut above the rest. With just a few clicks or a single phone call, you’ll get multiple competitive quotes from leading insurers. Select your preferred policy and you’ll be covered instantly, so you can continue letting the beauty of what you love be what you do.

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Insurance forHair and Beauty Professionals

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. But you’re a beautician, not a magician right? And sometimes things can go wrong, which can be a very emotional and traumatic time. A compensation claim against you could potentially cripple your business, not to mention ruin your reputation. Professional Indemnity insurance will protect your business from financial losses by covering legal fees, settlements and court costs associated with any legal action made against you for negligence or allegations of providing a poor quality service.

Public Liability
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 essential cover for hairdressers and beauty therapists. Slips, trips, or other mishaps caused by chemicals, hot wax, scissors, razors or electrical equipment – your business is vulnerable to an array of accidents.
Public Liability insurance will ensure you’re protected should you need to go head-to-head against a claim of 3rd party accidental damage or injury resulting from your business activities.

Business Insurance
Your customers are important, but so is stock, equipment, salon contents and building. Without the right cover, you could be hit with a few unwanted challenges that could leave you with a not so positive lasting impression. Business Insurance cover includes:


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 her client lodged a claim, and it was deemed that she 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 were paid under her Professional Indemnity policy.


3 things to ask yourselfwhen 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?

 

Our Allied Health Professionals Reviews

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E Gu 2014-03-25 BizCover , it found a right insurance for me as quick and cheap as they can. Thank you, Biz. I will request another time. 5
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