Insurance for Hair & Beauty Services

... , 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 ...

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Home Based Business Insurance

... support services Answering & reception services Beautician Consultants Dog walking Dog grooming Graphic designer Hair dresser Online shops Photographer Writers Web developer Insurance for Home Based Businesses Public ...

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A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes, and purchase in only a ...

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7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...

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Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... in the hard-yards to build your engineering business, so it's important to think about what kinds of business insurance coverage you may need to help ensure it is protected. As much care as you may take to prevent things ...

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5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... wanting to do a general review of your business, it's worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your business is hit by a major event, you not only have the ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...

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Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... a call from the Australian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can protect you for the long ...

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Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... your business, even if it is a home-based operation. Market stall-holders– A minimum level of Public Liability insurance is often required when having a stall at a market. If you are selling products you have made at ...

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Insurance for pharmacy and pharmacists

... to customers about managing their health and wellbeing. That's why it is important to ensure you have the right insurances in place to protect your business when things take an unexpected turn for the worst. Our ...

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Insurance for Architects

... yes. Chances are you'll have regular contact with clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Insurance for Finance & Mortgage Brokers

... contained on this webpage is general only and should not be relied upon as advice. Claims Scenarios An insurance broker was a victim of a cyber attack when a malicious code was installed on their website, which ...

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Insurance for Consultants

... the client data you may storing and the consequences if your systems were compromised. A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...

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Insurance for Allied Health Professionals

... hit with a few unwanted challenges that could leave you severely out of pocket. Business Insurance* is an insurance package designed to provide cover for your business, contents, stock, tools and commercial premises when ...

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Insurance for Accountants

... you hold covered? Do you rely on electronic equipment/or specialist machinery to get your work done? Cyber Insurance* Consider the client data you are storing and if there was a breach of confidentiality by your system ...

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How much does Business Insurance cost?

... based on NSW BizCover customers Most popular cover options taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of ...

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How much does Public Liability Insurance Cost?

... cause injury or property damage to clients or members of the public. It is important to note that each insurance company assesses risk in different ways. What one insurer may consider as a high-risk occupation may not be ...

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Insurance for Retailers

... stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...

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Insurance for Real Estate Agents

... of action temporarily due to an event such as a fire, would you still be able to earn an income? Cyber Insurance* Consider the client data you are storing and the implication on your business if there was a breach of ...

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Insurance for Personal Trainers

... No matter how fit you are, accidents can still happen on and off the job. Personal Accident and Illness insurance  can provide levels of cover for loss of income, permanent disablement and even death if you are unable to ...

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Insurance for Massage & Alternative Therapies

... think of that puddle of oil on the floor you forgot to clean up).  Having the right Public Liability insurance gives you peace of mind and financial protection for when your business needs it most. Remember, if you have ...

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Insurance for Psychologists

... or personal information you may be storing and the consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or ...

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Insurance for Car Wash and Auto Detailers

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance* Take the time to think about how your business would function if you were unable to work due ...

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Insurance for Pet Professionals

... associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance Take a moment to consider if you were to suffer an accidental injury or fall ill. What impact ...

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Business Insurance in Bunbury

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Insurance for Professionals

... While you're in the business of providing expert advice to your clients, we're in the business of providing insurance options to keep you protected. Whether you're an expert at balancing the books or the creator of the ...

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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, you get to work with a wide range of clientele ... claims can be a grey area when it comes to which cover they come under. Arranging your mobile makeup artist insurance doesn't need to be over complicated and should be one of the base elements of your business plan. If ...

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What is Product Liability Insurance?

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...

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Insurance for Handymen

Why do Handymen need it? You fix your client's DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call can solve all. You'll get multiple competitive quotes from ...

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Insurance for Recruitment Consultants

... client and candidate data you are storing and the consequences if it were to be compromised. Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or ...

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Insurance for Registered Migration Agents

... - think of a client tripping over at your premises, or you damage your client's property. Business Insurance* Your clients are important, but so are your business assets. Without the right cover, you could be hit ...

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Business Insurance in Melton

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Parramatta

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Toowoomba

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Townsville

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Wollongong

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Launceston

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Mackay

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance on the Gold Coast

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Geelong

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance on the Central Coast

... not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Business Insurance in Cairns

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance in Bundaberg

... for their property. “Very knowledgeable, very friendly and was able to answer any questions I had. Also had my insurance sorted out under 20 minutes which was fantastic. I know exactly what I’m paying for, and any fees ...

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Insurance for Cabinet Makers

... to a client's property or even having your tools nicked- all instances which can be protected with the right business insurances in place. At BizCover, in just a few clicks or a call, we can provide quotes from some of ...

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Business Insurance in Newcastle

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Insurance for Sole Traders and Self Emplyed

... self employed may require will vary according to the profession and the industry they operate in. For example, the insurance needs of a handyman are not likely to be the same as those of a real estate agent. Both operate ...

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Insurance for Restaurants

... a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area. Business Insurance* Even though you can't insure the ambiance you have created in your restaurant, you can insure the building ...

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Insurance for Convenience Stores

... and vandalism. Money* - handling large amounts of cash daily makes Money cover a vital form of insurance to consider, particularly considering data from the Australian Institute of Criminology shows that one in ten armed ...

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Do I need Public Liability insurance?

... client contract, or as part of a lease agreement for renting a commercial property. Do I need Public Liability Insurance if I have a home-based business? Running your business from home can bring a whole host of benefits ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... or error is all it can take to send your business and your reputation crashing down. Having the right business insurance as part of your overall business plan is a solid choice and can help provide the foundations for a ...

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What is Public Liability Insurance?

... made to her of $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! *As with any ...

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Insurance for Engineers

... wrong. From bridges collapsing to roads rupturing - the consequences (and costs) can be severe. Professional Indemnity insurance is designed to provide your business with a solid foundation when things don't go to plan ...

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Insurance for Bookkeepers & BAS Agents

... . The Tax Practitioners Board (TPB) has made it so since 2011 and with good cause - Professional Indemnity Insurance covers you against the risk of a client claiming damages. Your professionalism and service often aren’t ...

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Insurance for Dog Walkers

... furry companion – a job that isn't always a walk in the park. When it comes to finding the right insurance for your dog walking business, let us sniff out the best deals, and provide you with multiple quotes for you to ...

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What is Professional Indemnity Insurance?

... of the judge, make sure it's not costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you're getting paid for your professional advice or opinion then you need to make sure you are covering ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small business ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions ...

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Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... up and running, so without your business assets, how are you going to earn an income? Having suitable business insurance in place can help safeguard your business for when things don't go to plan and for when you need ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... to a cyber attack or breach of information where the land surveyor may be held accountable. A Cyber Liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... , misconduct or breach of legislation? You were unable to work due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea of what your risks are and what you need to protect ...

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Insurance for Gift Shops

... equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - This insurance will cover for loss and damage to buildings you own, as a result of an insured event (such ...

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How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... , which can be filed against them by their clients. It is advisable that you have general business insurance in order to protect you from financial losses caused by property damage or bodily injury. In addition to ...

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Insurance for Disability Workers

... or Public Liability claim against you. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article ...

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What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... and outs of Public Liability insurance and what you need to ... . So what is Public ... t quite go plan. As a tradie, it can even be a contractual requirement that you have Public Liability insurance in place well before picking up the tools and putting boots on site. Always check the level of cover that ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... in the market, only those listed on our website. We act as agent of the insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take ...

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BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can ...

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iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... to medium (SME) business owners a full end-to-end online service to compare most of their business insurance needs, with policies available from some of Australia's leading insurers. SME customers will have the option of ...

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Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...

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Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in place to ...

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BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... , there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...

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BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... decline that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... Policies for Civil Engineers When it comes to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own ...

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Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here. Trades ...

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A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or replacement ...

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5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... ... of cover. Understanding the nitty-gritty can save you in the long run, so don't be afraid to ask your insurance agent what certain features and benefits are if you are unsure. At BizCover we want to make getting your ...

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Management Liability Insurance

What’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... increase of 5 points in the second quarter of FY2015/2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 quarters ago). It should be noted that rates are ...

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What Limit of Professional Indemnity Insurance Do I Need?

... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...

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Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... claiming a product caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see ...

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Insurance for Restaurants & Cafes

... & Cafes Why do Restaurants & Cafes need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need to shop around to find the best cover solutions. With ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines. “The ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks ...

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Insurance for Bakers

... damage a third-party's property or if your baking tools were to be stolen. This is where business insurance comes into play and provides the peace of mind you need with cover that can protect your bakery business ...

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Tax Audit Insurance

... services of an external accountant or similar professional and their fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of an audit to your business, even if you can ...

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Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... 1), and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph 1 ...

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Misconceptions Around Professional Indemnity Insurance

... that the claims professional indemnity insurance covers are only the experiences ... ... to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good ...

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Social Media Insurance

... , try to make a sale out of a day of grieving, or trying to jump on a politically charged bandwagon. The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...

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Insurance for Nurses

... Even if you are covered under your employer's insurance policy there is no guarantee that you will be ... one claim or a series of claims during the period of insurance add up to and exhaust the specified Limit of Indemnity, ...

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Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... ... of business is affected, you'll need to ask yourself two very important questions. Do I have Business Interruption insurance? And, are both the property and the cause of the event included in the coverage? If the answer ...

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Reviews related to insurance for beauticians

  • So easy to set up insurance through biz cover when you have no time for phone calls

    Casey W
    Hairdressing Service

  • 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

Get instant quotes

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 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?