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Why do Hair & Beauty Services need it?

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.

Did you Know?

If you are performing laser hair removal it is essential to get this service specifically included in your insurance policy.

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. 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:

  • Contents and stock – protecting the contents and stock of your salon from burglary, theft or damage is a wise move.
  • Building – if you own the building where your salon operates from, you will need insurance to repair damage or cover a rebuild should you suffer fire or storm damage.
  • Business Interruption – could your business survive being shut due to an insurable event, for a few days, a week, or longer?

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 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 Hiller
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 Chapman
Hair & Beauty Services

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

Kiralee Taylor
Hair & Beauty Services

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

Kiana Shwan
Hair & Beauty Services

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

Jo McDonald
Hair & Beauty Services