Insurance for Hair & Beauty Services

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Why do hair and beauty salons need insurance?

From nail technicians to mobile makeup artists, hairdressers to brow and lash specialists, professionals in the hair and beauty industry can face a variety of risks each day. These risks 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 possible risks and claims.

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.

Common types of business insurance for hair and beauty professionals

Professional Indemnity Insurance

Whether providing treatments or giving advice, your clients expect the best. However, sometimes things go wrong.  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

Whether you work from your own salon or provide a mobile beauty service, you’re always in close contact with your clients. But slips, trips and mishaps can be caused by any number of things – such as hot wax, scissors or electrical equipment, just to name a few. Public Liability insurance* could help you manage these types of claims, so they don’t drain your bank accounts.

Business Insurance

Your customers are important, but so are your stock, equipment and salon contents. 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.

Who might need hair and beauty service insurance?

  • Makeup artists
  • Nail technicians
  • Hairdressers and barbers
  • Mobile beauty technicians
  • Cosmetologists
  • Beauty Therapists
  • Estheticians

How much does insurance for hair and beauty professionals cost?

Hair and beauty professionals pay an average of $50.95 per month for their business insurance with BizCover. That’s based on over 10,500 professionals in the aesthetics and wellness industry who got insurance with us in 2023.

As with any type of business insurance, many factors determine the cost of business insurance for your hair or beauty practice, including the services you provide, the cover options you choose, and where your business is located.

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†Customer Average Monthly Payment Report is based on FY2023 and presented as a guide only. This is based on all aesthetics and wellness businesses that hold policies with us, and is not reflective of any one policy. It may not reflect pricing for your particular business, as individual underwriting criteria will apply.
*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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