Insurance For Salon Owners

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Insurance for Hair & Beauty Services

... or have a chat to our friendly team.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 ...

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Salon owners urged to consider combined cover

... the public, making Public Liability insurance a vital type of cover for beauty salons . It provides cover for legal ... injury. Take the following examples A small business owner runs a facial treatment beauty business. The ...

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Spring Clean Your Salon’s Business Insurance

... your business for the new season. Why not start with your business insurance? Every salon owner must manage risks to their business , and insurance is a popular way to help address common liabilities. However, many ...

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7 Common Types of Small Business Insurance

... -based hairdresser will have varying needs to those 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 ...

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Is your salon ready for a cyberattack?

... can help you manage the impact one has on your salon. BizCover has helped over 8,500 salon owners † compare and buy small business insurance in minutes—no dramas! Visit bizcover.com.au to compare quotes, or give ...

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5 Common Beauty Insurance Claims

... . We take a look at the top 5 most common claims beauty salon owners are likely to experience - and show you just how much having good business insurance coverage can save a small business in these kinds of situations. 1 ...

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Business Insurance In Wollongong

... that this was one of my first experiences with insurance. I felt confident with my great deal.” Patricia B., Beauty Salon Owner How much does Business insurance cost? On average, small businesses in Wollongong pay  $ ...

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Top money saving tips for your salon business

... to crop up at tax time, a headache no business owner wants to face. 4. Have a safety net Having some ... offer a range of different types of business insurances to help protect your salon business, so in the event of a ...

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Does your lash business need salon insurance?

... 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 small ...

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How to start your own beauty business in 2024

... generally include things like rental of your premises, insurance cover , utility bills, and equipment costs. ... reasons for failure are: Inexperience - Successful salon owners often have years of experience in the business ...

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A Close Shave with Underinsurance

... it. Take Samantha*, a hair salon owner operating in the Greater Sydney Area. Samantha purchased her salon 4 years ago and like any good business owner, covered her business with Business Insurance. For the next 4 years ...

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Top 4 Profitable Small Business Ideas in Adelaide

... South Australia has become a hub for small business owners across multiple industries. In fact, as of 2021, ... consideration is sorting out your business insurance . Whether you run a hair salon, do general maintenance, or ...

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Insurance for Makeup Artists

... goes wrong. 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 ...

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Taking the W: The Art of Celebrating a Win

... bottle of bubbly might suffice for our hairdressing salon after a big Saturday full of bridal appointments ... t always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But ...

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Business Interruption Cover*

... consider Back to Business Insurance Business Interruption Insurance Most small business owners like to prepare ... through her Sydney hair salon, Blondies, in 2017. Business Interruption insurance helped saved her business ...

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Business Insurance in Geelong

... be recommending.” Stephanie C. Beauty Salon Operator Types of Business Insurance in Geelong Every small business is ... to its knees. Cyber Liability insurance can give small business owners in Geelong peace of mind that ...

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Business Insurance Perth

... Businesses Compare quotes from our trusted insurance partners: Insurance for businesses in Western Australia For small business owners from Perth to the Pilbara, business insurance is something you need to think ...

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7 ways to save on business insurance

... for your business size and needs? What are other business owners saying about the insurer online, in reviews, or by ... business could mean that changes to your business insurance are in order! Some changes might even result ...

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8 Facts About Professional Indemnity Insurance

... peace of mind, knowing that you're protected after you've closed up shop. 8. Getting your Professional Indemnity insurance sorted is easier than you might think. Gone are the days of ringing insurers one at a time to get ...

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Public Liability Insurance In Darwin

... but also uncomplicated. With appreciation and gratitude.” Kelly K. Homeopath Business Owner H ow much does P ublic L iability insurance cost for Darwin businesses? On average, small businesses in Darwin pay around ...

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Insurance for Gift Shops

... could your business survive being shut for a week? This insurance will cover for financial loss as a result of an ... as fire). Cyber Liability* As a gift shop owner you regularly hold customer data like credit card details ...

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Public Liability Insurance In Adelaide

... pleased as I am already busy in the role and needed insurance sorted. THANKS” Jillian C. Business Owner H ow much does P ublic L iability insurance cost for Adelaide businesses? On average, small businesses in Adelaide ...

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Business Insurance Melbourne

... for Victorian Businesses Business insurance is something that most Victorian small businesses need to consider. It can be tailored to suit the specific needs of small business owners from Melbourne to Port Fairy ...

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Business Insurance on the Central Coast

... 214 registered businesses. Like all small business owners, they are responsible for taking reasonable steps ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Perth

... ,902 registered businesses. Like all small business owners, businesses in Perth each have a legal ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Brisbane

... registered businesses. Like all small business owners, Brisbane businesses each have a legal responsibility ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Business Insurance in Bundaberg

... 673 registered businesses. Like all small business owners, they are responsible for taking reasonable steps ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Insurance for the Self Employed

... if a claim or lawsuit comes your way. You might want to consider insurance if you are: Newly self-employed An established business owner An independent contractor Operating as a sole trader No matter what occupation or ...

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Business Insurance in Townsville

... to your business' reputation. But Townsville small business owners can have peace of mind knowing that their ... to work while you recover. Personal Accident and Illness insurance can help you keep things running at home and ...

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Insurance for hospitality business

... ? Whether you're serving up chai lattes or gourmet pizzas, business insurance is something that every restaurant and cafe owner can benefit from. Your food business interacts with people every day, from customers ...

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Does Public Liability insurance cover employees?

... ? If you didn't, then you may have made some assumptions about what your Public Liability insurance covers. Some small business owners may believe that PL covers their employees if their injuries are caused by their work ...

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How much does Public Liability Insurance Cost?

... business is to simply get an instant online quote. What is the average monthly premium for Public Liability insurance? On average, small business owners can expect to pay around $63.53 per month^ for Public Liability ...

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Insurance for Restaurants

... costs of accountants and other nominated professional fees incurred in the course of an audit. Cyber Insurance* As a restaurant owner your exposure could be at the payment desk - with your EFTPOS machine hacked. Cyber ...

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Public Liability Insurance in QLD

... occurring before or after the policy period Who may consider Public Liability insurance in QLD? Queensland business owners may consider Public Liability insurance for many reasons. If you're unsure if this cover is right ...

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Insurance for Physiotherapists

... or another defined event listed in your building insurance policy. Business Interruption insurance Planning for disasters and other unanticipated events can be very tricky for business owners. After all, you don't have a ...

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What is Professional Indemnity Insurance?

... the long haul, something which all small business owners strive for. Could this happen to your business ... all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if and when you do ...

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Public Liability Insurance In Rockhampton

... 396 businesses registered. Like all small business owners, businesses in Rockhampton each have a ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Port Macquarie

... 634 businesses registered. Like all small business owners, businesses in Port Macquarie each have a ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Public Liability Insurance In Mandurah

... Real Estate Services, with 452 registered businesses, and Financial and Insurance Services, with 411 registered businesses. Like all small business owners, businesses in Mandurah each have a legal responsibility to take ...

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Public Liability Insurance In Hobart

... businesses registered. Like all small business owners, Hobart businesses each have a legal responsibility ... you just want a quick idea of how much your insurance is actually going to cost. However, it's important to ...

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Business Insurance in Toowoomba

... 632 registered businesses. Like all small business owners, they each have a responsibility to take reasonable ... you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Business Insurance in Melton

... businesses registered. Like all small business owners, they each have a responsibility to take ... , sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note ...

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Business Insurance in Mackay

... 1051 registered businesses. Like all small business owners, they each have a responsibility to take ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

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Business Insurance in Launceston

... registered businesses. Like all small business owners, they each have a responsibility to take ... , sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note ...

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Business Insurance in Cairns

... 1393 registered businesses. Like all small business owners, they each have are responsible for ... , sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note ...

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Reviews related to Insurance For Salon Owners

  • 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

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

Claim Examples

Hair & Beauty Services Insurance

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?

Frequently Asked Questions

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.

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.

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?

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*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.
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