Hair Salon Insurance in Australia

Arrange a protective cover suitable for your hair salon business

Even if you know the ins and outs in the hair industry, mishaps can still happen any time—from damage due to chemicals, wrong haircut or hair colour, to name a few.

It can be traumatic for your client and to you if your business is held liable for incidents due to damage or injury.

Types of Cover that a Hair Salon Business in Australia Need

Choosing from a range of business insurance options can be overwhelming, so we’ll help you customise your policy.

Professional Indemnity/Medical Malpractice Insurance

Is designed to protect your business from claims arising whilst you’re providing professional advice or services. Professional indemnity insurance can also assist you with the legal defence, compensation, and settlement costs associated with the claims.

Public Liability Insurance

As a Hair Salon Owner, you are liable for any third-party injury or damage arising from conducting your business. This can be incidents like slips and falls, which public liability insurance may help with.

Product Liability Insurance

Part of running and operating a Hair Salon is to sell or supply products. Product liability insurance protects you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing rashes from your facial cream, product liability policy may help with the compensation costs.

Other business insurance products for Hair Salon

Risks for Hair Salons are not only related to practice but to business operations as well. Get covered by other business insurance on top of the above-mentioned policies. These policies below are a recommendation only and are subject to a review of your specific requirements

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.

Business Insurance

This insurance cover protects businesses, equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Tax Audit Insurance

Whether you run small or large businesses or work as a contractor. This insurance covers tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This insurance policy covers you from data theft.

Workers Compensation

Workers’ compensation is a mandatory requirement for all businesses to cover their staff and contractors in the event of an accident

Personal Accident and Illness Insurance

This insurance is for every individual, business owner or contractor, as accidents and sickness do happen to owners and contractors, this may assist businesses to enable you to employ staff to cover you the business owner while you are unable to work.

Do I need Hair Salon Insurance?

Just like any other business, hair salon owners also have a lot to think about. The everyday operations at a hair salon involve customer satisfaction and responsibility to employees. There’s also taking care of property and tools of the trade.

When things go wrong, you may use business insurance to protect both the business and the employees from related claims.

Get in touch with Sparrow Insurance

At Sparrow Insurance, we take the time to assess your needs as a business owner. We understand the risks that hair salons face, and we’re here to give you general advice and insights into what business insurance works for you.

Get a professional insurance review or contact us today.

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FAQs on Hair Salon Insurance

1. How much is hair salon insurance in Australia?

The cost of hair salon insurance in Australia depends on the level of cover you would get. If you’re a small business, that would matter too. Other factors also affect the cost: size of your hair salon business, number of employees

2. If I provide my hair, beauty, and nail services at home, do I still need business insurance?

Yes! As part of the beauty industry, providing services at home need insurance in case accidents happen. Like other beauty salon businesses, you can also face the same liability risks.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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