Freelance Hairdresser Insurance

Trusted by over 220,000 small businesses
Compare quotes instantly from some of Australia’s leading insurers
Great price options backed by our Price Promise
We also have public liability coverage options for home based salon

Compare Quotes

Compare quotes from our trusted insurance partners*:

Insurance for Hair & Beauty Services

... requirement to have certain kinds of business insurance in place as part of your rental ... hair and beauty businesses that need to think about business insurance: Make-up artists Nail salons Hairdressers Mobile beauty ...

Insurance for the Self Employed

... insurance if you are: Newly self-employed An established business owner An independent contractor Operating as a sole trader ... Workers Bookkeepers & BAS Agents Beauty Services Carpenters Cleaners Consultants Electricians ...

Grow your business: 6 beauty salon marketing ideas to attract new clients

... is why it's also important to have adequate beauty salon insurance in place just in case they happen. The most popular type of hair and beauty insurance salon owners have for their businesses is Public Liability cover ...

Insurance for Makeup Artists

... . So, whether you operate from your own salon, rent a space in a beauty or hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small business doesn't go belly-up if ...

Business Insurance

... Hairdresser Online shops Photographer Writers Web developer There are many types of insurance that ... 2021 to June 2022 Personal Accident & Illness* Being self-employed, you may want to consider protection for your most ...

How much does Combined Liability Insurance Cost for Allied Health Professionals?

... range of occupations from those in the hair and beauty industry, the fitness industry, and alternative ... of allied health professionals insured through BizCover are sole traders. They pay approximately $26 per month for ...

How much does Business Insurance cost?

... Insurance pack. The beauty of Business Insurance ... sole-trader business operating within the professional services industry. One of the most common questions asked by business owners is: “How much does Business Insurance ...

Home Based Business Insurance

... Hair dresser Online shops Photographer Writers Web developer What types of insurance do ... you or your company Personal Accident & Illness When you're self-employed, you need to make sure you have protection for your ...

How much does Professional Indemnity Insurance Cost for Real Estate Agents?

Public Liability Insurance in QLD

... claim to your Queensland business. Whether you're a hairdresser in Port Douglas, a brickie in Ipswich or a restaurant ... their businesses. Compare Public Liability insurance for QLD sole traders and small businesses today! ...

Business Insurance in Geelong

... % be recommending.” Stephanie C. Beauty Salon Operator Types of Business Insurance in Geelong Every small business is ... WorkCover insurance. However, Personal Accident and Illness cover can help protect sole traders who do ...

From passion to profit: 20 self-employed business ideas

... creative marketing agency or try your hand at freelance writing. 6. Decluttering services business Did you ... with self-employed insurance , also known as self-employment insurance. Get your business insurance sorted ...

Business Insurance Guide for the Self-Employed – Part 3

... . To make life easier, we've done the translating for you and created a simple, comprehensive guide on all things Business Insurance for the self-employed . In Part 3 of our guide, we go back to basics with Business ...

What risks do professional beauty businesses face?

... some risks are common across industries, hair and beauty businesses face some unique and costly threats ... risk can get quite dramatic. Luckily with BizCover, business insurance doesn't have to be. Visit bizcover.com.au to ...

Studio Lane Hair Boutique wins the 38th BizGiver Competition

... grant was Renae Tupper, who owns Studio Lane Hair Boutique. After 26 years of hairdressing, Renae finally ... away from Renae's accomplishments in her career as a hairdresser, it's that you should always dream big and never ...

The beauty of ensuring your business insurance is Australian Made

... small businesses had to go on just to get the right insurance cover for their business. So they set out to give ... Public Liability insurance is designed to provide protection for you and your hair and beauty business in ...

5 Common Beauty Insurance Claims

... Business Interruption cover came in handy after her hair and beauty salon was temporarily shut down after a small fire ... against them by making sure you have the right insurance policies in place. It's also a wise idea ...

Beauty Laine wins the 39th BizGiver Grant Competition

... of four, Elaine's biggest achievement has been figuring out the key to a healthy work/life balance through starting Beauty Laine out of her home. The salon was brought to life from scratch, with Elaine doing a lot of the ...

How to start your own beauty business in 2024

... extremely hard work. Understanding the challenges you may face—from making a budget to finding insurance for beauty professionals —could put you a cut above the competition. Disclaimer *The information provided on this ...

Beauty to go! What Mobile make-up artists need to know about insurance

There are some obvious pros to working as a mobile freelance make-up artist - you have control over the hours you work, ... or vehicle). Personal Accident and Illness Insurance Being self-employed brings many benefits, but a ...

Why not having a national code is a risk to salon owners

... or your hairdressers. From a ... hairdresser. If your employee accidentally injures a customer or supplier or damages their property, your salon could be liable. Public Liability insurance could protect your hair and beauty ...

Is your salon ready for a cyberattack?

... year. As cyber threats continue to evolve, beauty professionals may need to rethink how they protect ... how Cyber Liability insurance helped a small business respond to a cyberattack: A hairdresser's VoIP telephone system ...

Top 4 Profitable Small Business Ideas in Adelaide

... run a hair salon, do general maintenance, or consult for big businesses, you are likely to encounter risks when running a small business. Public Liability insurance * is an essential type of insurance for sole traders . ...

What is Business Risk? Types, Examples, Strategies

... impact to your business. This is where business insurance is important as it provides a financial safety net ... store or not interacting with customers. As a hairdresser, you would likely need to interact with clients ...

No Dramas

... Hair & Beauty Services Manufacturing Allied Health Professionals Professionals Insurance ... or provide you with a full refund** so that you can save on insurance for your small business. Get a quote today, it only takes a ...

How to adapt your business insurance as your business grows

... you may be a beauty professional who now offers a new type of beauty service. These are ... insurances to protect your business. You now offer mobile services. For example, if you were previously operating as a hairdresser ...

9 time saving apps to take back your time

... for automated bookings and payments (restaurants, hair and beauty services and other event based businesses for ... and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to ...

Young Penrith Entrepreneur Recognised in National Grant Competition

... allowing small businesses to quickly compare multiple business insurance quotes for free online and started the BizGiver ... to see these truly unique businesses like KD Hair reach success,” says Gottlieb “we want to ...

Lily Webb: why it's okay to pivot your career

... find her purpose elsewhere. “Firstly, I love creating beauty. I have always been around that artsy stuff. Secondly ... also comforted by the fact she has her business insurance sorted just in case something goes wrong. “It' ...

What’s the difference between Public and Product Liability insurance?

... food products Market stalls selling products Hair and beauty businesses selling products A product ... . There's no paperwork or hard-to understand insurance jargon, just insurance made easy. Get your quote today . * ...

Who needs Professional Indemnity insurance?

... Finance and Mortgage brokers Hair and beauty services IT Professionals Land ... your professional advice or services. Why do I need Professional Indemnity insurance? Take a moment to consider the time and money that is ...

Insurance by Industry

... are aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Furniture manufacturer Gift Shops Hair & Beauty Services IT Professionals Land ...

Public Liability Insurance Explained

... a box of stock in a retail store to a beauty professional using a product that causes a reaction to ... and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for ...

What is Professional Negligence?

... insurance in protecting your small business. Professional negligence defined Negligence claims made against sole traders ... and Engineers Consultants Disability Workers Hair and Beauty Services IT Professionals Migration ...

Life after lockdown – How to re-open your small business

... amusement venues Sport and recreation Accommodation Hair and beauty services Domestic travel Adapt For some ... best practices in the comments below. *As with any insurance, cover will be subject to the terms, conditions and ...

Top money saving tips for your salon business

... such a powerful tool when it comes to the beauty industry. Rewarding and encouraging your client's when ... BizCover we offer a range of different types of business insurances to help protect your salon business, so in the ...

Does your lash business need salon insurance?

... your business if the worst happens. From claims and lawsuits to equipment breakdowns and tax woes, beauty and salon insurance can help you work with less stress that unexpected expenses will cause ugly issues for your ...

Salon owners urged to consider combined cover

... day you work closely with your clients and members of the public, making Public Liability insurance a vital type of cover for beauty salons . It provides cover for legal costs and compensation for claims made against you ...

A Close Shave with Underinsurance

... 't even realise it. Take Samantha*, a hair salon owner operating in the Greater Sydney Area. ... days whilst temporary repairs were made. While her landlord’s insurance covered the repairs to the roof, it did not cover her ...

16 profitable business ideas in Townsville in 2024 and beyond

... is a great way to join the ever-growing beauty sector in Townsville. More than just offering manicures and ... Join over 220,000 small businesses who’ve found insurance solutions that fit their needs, no drama required. ...

Rebecca Palmer brings art to life in South Australia with $5,000 BizGiver prize

... and affordable insurance solutions. We’re also dedicated to uplifting small business owners, who are the backbone of the Australian economy. For artists like Rebecca Palmer, their craft not only brings beauty into the ...

The bravery beneath the surface in Australia's small businesses

... just to keep cash flow going. A Sydney-based hairdresser said she'd only been trading for six months when ... and surprisingly, 53% of Financial, Legal and Insurance Services businesses said the same. This may reflect ...

How to create a marketing strategy, step by step

... your business best. For example you may be a hairdresser, so using platforms like TikTok and Instagram are going ... long haul make sure you have the right business insurances in place to protect all your efforts. At ...

Cyber Liability Insurance

... a thrill out of making business owners sweat. Cyber Liability Insurance can assist in managing your risk and help you rest ... also included. An expensive call An insured hairdresser used a VoIP telephone system, which was ...

How to Start a Business in QLD in 7 Easy Steps

... , a mobile hairdresser , or opening ... insurance sorted with BizCover today. Compare multiple quotes from some of Australia's most trusted insurers in minutes. Queensland Government, Setting up a legal business- Sole traders ...

7 Common Types of Small Business Insurance

... engineering firm. Just as a mobile or home-based hairdresser will have varying needs to those of a salon owner ... for certain, and that is, finding the right insurance is an essential part of managing the risks involved in ...

Taking the W: The Art of Celebrating a Win

... apprentice might be a special occasion, while a hairdresser might only break out the bubbly after the ... 't always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the ...

Debunking Cyber Security Myths for SMEs, Part 1

... want from a tradie, retail shop, or hairdresser? Regardless of the industry you work in, virtually ... your system remains locked. The bottom line: Cyber Liability insurance can be a powerful tool to help SMEs like yours ...

5 signs it might be time to switch business insurance companies

... customer service or claims experience. How to change your insurance company Ready to switch to a new insurer? You ... on his Professional Indemnity and Public Liability insurance Lisa, a hairdresser in VIC, saved $300 on her ...

Public Liability Insurance Scenario

... I had been responsible and set my business up with the insurance I needed, it would have been a very different story ... another suffered burns to her scalp in a hair-dying session gone wrong and another was injured while ...

Business Interruption Cover*

... through her Sydney hair salon, Blondies, in 2017. Business Interruption insurance helped saved her ... running following a major insured event. Business Interruption insurance should be just one part of your wider disaster ...

The essential cleaning business supplies checklist

... address those special cleaning needs, from pet hair removal to allergen reduction. This will ... , trustworthy cleaning business. That's why Public Liability Insurance is important when you start a cleaning business. It ...

Your holiday business closure checklist: 8 tips

... and preparation, don't forget to have fun, let your hair down, and encourage your staff to do the same. Wish your ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

Top 8 Benefits of Online Marketing

... through all stages of the buying cycle. The beauty of this connection is that it can implemented regardless ... one of many. Understanding small businesses and their insurance needs is something we like to do hassle-free ...

Business Insurance In Wollongong

... insurance. I felt confident with my great deal.” Patricia B., Beauty Salon Owner How much does Business insurance ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important ...

Public Liability

... or sell any kind of products, e.g. food, beauty products, furniture, clothing or household items Working at your ... too. Public Liability insurance is a popular type of insurance amongst sole traders. As a small business ...

How to become a licensed plumber in Australia

... cities and towns remain a thing of infrastructure beauty. Could you imagine the alternative? Having to schlep ... thrown in the works when it comes to your business insurance* for plumbers. So let BizCover do the heavy ...

How to become a good and qualified tradie

... feet and start earning an income straight away. The beauty of an apprenticeship is that it simultaneously mixes formal ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

11 profitable small business ideas in Melbourne

... training such as web design, graphic design, and beauty care. 11. Start a transportation business While Melbourne ... a wide variety of services. Business Insurance : An insurance package designed to provide cover for your ...

Stranger Businesses

... in vegan, eco, ethical and fabulous fashion and beauty products. The V stands for vegan and embodies the ... be, at BizCover we offer a variety of insurance options from Australia's top insurers. Providing cover ...

How to survive the silly season: a guide for small businesses

... gifts and service providers, like hairdressers and beauty therapists, booked out with appointments ... start to get busy again. Take the time to review your insurance policy and make sure you have the right cover in place. ...

Personal Accident and Illness Insurance for Tradies

... are a self-employed small business owner or a contractor, Personal Accident and Illness insurance is an ... of mind that there is income protection in place. The beauty of this policy is that you can customise the options ...

How to protect your small business reputation

... accountant, architect, real estate agent or beauty therapist, you have a big responsibility towards ... to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and ...

How to become an aged care worker in Australia

... insurance are regarded as critically important for aged care workers because they offer protection while you support your clients. As an aged care worker, whether you are an NDIS carer, a contractor, or a sole trader ...

8 tips for starting your own physiotherapy practice

... landscape. 2. Tax File Number (TFN) : For sole traders, your personal TFN works. However, companies need a separate ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

8 budget friendly work-from-home opportunities

... it comes to all things digital marketing. The beauty of working freelance is the freedom to choose what type of ... . Some examples include: Finance and insurance Telecommunications Health services Online retail businesses ...

How to be a successful nurse: 8 tips for career success

... touch. From advancing your education to finding the right insurance coverage, here's a nursing career guide to help ... administration roles. 2. Consider specialising The beauty of nursing is that there are countless ...

8 innovative tips to increase retail sales in 2024 and beyond

... special and more connected to your retail store. The beauty of loyalty programs lies in their ability to encourage ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

Homepage v3

... Pets Trades & Building Construction Healthcare & Beauty Services Information Technology & Data Services Retail ... Points when you take out a new business insurance policy through BizCover. Plus, the Qantas Business Rewards ...

Homepage v2

... Trades & Building Construction Healthcare & Beauty Services Information Technology & Data Services ... Qantas Points when you take out a new business insurance policy through BizCover. Partner With BizCover Partner with us ...

Homepage v1

11 technologies for small business success

... teams or members who travel frequently. The real beauty of these IT solutions lies in its collaborative ... tomorrow’s opportunities. BizCover is here to ensure your insurance process is as tech-savvy as your business. ...

10 accounting and bookkeeping tips for small businesses

... tracking expenses to creating invoices. The real beauty of accounting software for small businesses lies in ... BizCover, you can compare and choose from multiple insurance quotes, all online and with zero paperwork. Over ...

The top four things for sole traders and the self employed

... liabilities to their business through sole trader insurance - BizCover's name for business insurance policies designed for the needs of sole traders and the self-employed. Sole trader insurance covers an extensive list ...

5 small business and sole trader time management tips

... wasted. For instance, it's typical for sole traders and self-employed individuals to subcontract all financial tasks. If you ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

What are the common types of sole trader businesses in Australia?

... types of sole trader business structures: 1. Self-employed owner Being a self-employed owner essentially ... sorted online in minutes. Experience insurance made easy today. *As with any insurance, the cover will be subject ...

View all

Reviews related to Freelance Hairdresser Insurance

All good so far

Agnieszka M
Beauty Salon Operation
Easy !

Lindy J
Beauty Salon Operation
easy renewal process.

Sarah D
Beauty Salon Operation
Easy to use

Aiyub K
Beauty Salon Operation
Excellent

Brooke K
Beauty Salon Operation
great and easy to do. :)

Olivia R
Beauty Salon Operation
Great easy to use. This is twice now

Kate C
Beauty Salon Operation
Keep it up

Asuncion A
Beauty Salon Operation
Quick and easy! Very well done.

Eden B
Beauty Salon Operation
So easy

Kerry P
Beauty Salon Operation
So easy and affordable to small businesses!

Christy B
Beauty Salon Operation
So easy to compare and get quotes.

Deanna B
Beauty Salon Operation
So fast and easy

Agnes C
Beauty Salon Operation
Thank you. The service was fabulous. It was so easy to buy my insurance. I'm really happy with the price too.

Deborah J
Beauty Salon Operation
thanks andrew

Jessica M
Beauty Salon Operation
The customer service person that called was super helpful. Thanks.

Karen C
Beauty Salon Operation
they are good company and at a great price. would recommend

Sharon W
Beauty Salon Operation
Very easy to deal with!

Naomi D
Beauty Salon Operation
VERY EASY TO UNDERSTAND AND BUY

Nicole K
Beauty Salon Operation
Very easy to use and understand. I am a first time business owner and Bizcover has does the hard work for me. Thanks you for this great service.

Jessica M
Beauty Salon Operation
Web site a bit clunky but it worked fine so all good.

Jane J
Beauty Salon Operation
So easy to set up insurance through biz cover when you have no time for phone calls

Casey W
Hairdressing Service
Great

Amy C
Animal Beauty Parlour Operation
Quick and easy.

Andrew C
Animal Beauty Parlour Operation

Why do Hair & Beauty Services need Insurance?

Business insurance is there to provide protection for a variety of different beauty businesses. From nail salons to mobile make-up artists, the types of claims you may potentially face include anything from a third party injuring themselves on your business premises to the theft or damage of invaluable tools of trade.

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.

These are few examples of how business insurance can help to protect your beauty business:

Claims from unhappy clients for the professional services or advice you may have provided. E.g., a haircut gone wrong, a beauty product causing them to have a reaction^
Protection for accidental injuries or property damage caused by your business activities to a third party
It may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., Public Liability or Glass cover.
To become a member of certain professional memberships you may need a certain level of Professional Indemnity insurance in place to join

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.

What insurances* do beauty professionals need to consider?

Let’s take a quick look at some of the insurances you may need in your business insurance kit!

Professional Indemnity Insurance*

Coverage for claims resulting from your professional advice or services, for example negligence. Your associated legal defence costs could also be covered.

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*

Protection against claims for injuries or damage suffered by third parties as a result of your beauty business activities.

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*

A variety of insurance coverages to cover things that matter to your beauty business like your contents, building and portable equipment.

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.

Contents – Covers you for damage to your contents, stock and due to fire and other perils listed within the policy wording.
Portable Equipment – Covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording.
Building – Covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
Glass – Cover for the damage to the glass, both internal and external, and signage at the insured business location.
Business Interruption – Covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
Tax Audit – Covers accountant’s costs incurred in responding to an audit or investigation by the ATO.

What kind of hair and beauty businesses may need insurance?

This is a snapshot of some of the kinds of hair and beauty businesses that need to think about business insurance:

Make-up artists
Nail salons
Hairdressers
Mobile beauty technicians

Get instant quotes

Claim Examples

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

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.
What kinds of risks does my salon present? Does your landlord require you to have a particular level of Public Liability?
How much would it cost to replace your stock, contents and salon equipment if it was lost, damaged or stolen?

Frequently Asked Questions

How much does business insurance cost for hair and beauty businesses?

The beauty industry is broad and includes businesses like beauty salons and hairdressers. Each has its own unique features and exposures to risks, so there isn’t a one-size fits all kind of policy.

The cost of your policy will depend on a variety of factors like the type of business, your annual turnover, number of staff, level and type of cover.

To receive an accurate idea of how much business insurance will cost for your hair and beauty business click here to get a quote or have a chat to our friendly team.

I run a home-based hair and beauty business do I need insurance?

If you have clients visiting your home-based salon for example, Public Liability insurance is something worth considering. If a customer were to injure themselves on your property you could be faced with a potential claim.

Remember your business assets are different from your personal contents so you may need to consider taking a separate business insurance policy for your contents.

If I am a mobile hair and beauty business are my tools of trade still insured?

With Portable Equipment cover you can protect your vital tools and equipment like your make-up, beauty products and hair dryers anywhere in Australia against loss or damage.

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

*The information provided on this page is general guide only and does not take into account your personal objectives, financial situation or needs. This information should not be construed as any form of advice. Consider your own personal circumstances, objectives, financial situation, needs, Product Disclosure Statement (PDS), and full policy terms and conditions before making a decision. Product descriptions on this page are intended only as a guide to coverage terms and conditions, and should not be relied upon to determine policy coverage. Policy coverage is subject to the specific terms and conditions of each policy wording.
^The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.
BizCover Pty Limited ABN 68 127 707 975, AFSL 501769.