Nail Salon Insurance in Australia

Customised insurance package for business protection against claims due to accidents and injury.

Just like any business, working within the nail industry has its significant risks. As a Nail Salon business owner, you’re not only responsible for making your clients look good and feel good. You’re also responsible for maintaining their security and safety whilst in the course of your operations.

What is Nail Salon Insurance?

It is an insurance policy that covers sole traders, small and large businesses including franchises in the nail industry. This also includes home salons and mobile salons. The range of cover depends on the risks and needs unique to every business.

Type of Nail Salon insurance for your package can include

If you own a salon in Australia, you should give yourself, your employees like your nail technician, and your customers the peace of mind that you all deserve.

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 Salon Owner, you are liable for any third-party injury or damage arising from conducting your operations. This can be incidents like slips and falls, which may be covered by a public liability insurance policy.

Product Liability Insurance

Part of running and operating a Nail 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 an irritation, product liability may cover the compensation costs.

Other business insurance products for Nail Salon in Australia

Risks for Nail 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 protects businesses, covering 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 a small or large business or work as a contractor. This insurance will cover your business for 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 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 business owners and contractors, this may assist your business to enable you to employ staff to cover you the business owner while you are unable to work to work.

Get in Touch with Sparrow Insurance

If you’re looking to insure your nail salon but don’t know which business insurance to add to your policy, you can ask assistance from Sparrow Insurance, we can offer you insights on which salon insurance product best fits your business.

Get a salon insurance review or hit button the get a quote link today.

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FAQs about Insurance for Nail Salons

How much does insurance for nail salons cost?

The cost of business insurance depends on several variables: the size and location of your business, types of insurance cover, and a number of employees.

Is worker's compensation required for my salon business?

Worker’s compensation is mandatory in Australia; however, there are different rules in place for every state and territory. It’s designed to cover your business and assists your nail technician when they suffer an injury whilst in the performance of your business activities.

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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