Hairdresser Insurance in Australia

Protects hair and beauty business with insurance package to cover you financially for mistakes and damages

Your services can put your business at risk when a hairdressing job goes wrong. It can be traumatic for your client. It can be financially stressful for you. When your client files a claim, it’s important to have protection in place. This is where hairdresser insurance comes in handy.

Why do you need hairdresser insurance?

Business insurance can be customized depending on several factors and varying risks. In the hair beauty industry, certain risks are unique to you. Whether you rent a chair within a salon or you run a small business as its owner, you can customize this type of salon insurance depending on your needs.

Whilst you perform a variety of hairdressing services, you have a legal obligation to your clients. Even if you take expert care, unexpected events can still happen. And when clients claim for damages, it could hurt your business and reputation.

INSURANCE COVERAGE FOR HAIRDRESSERS

Medical Malpractice / Professional Indemnity 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 hairdresser or salon owner, you are liable for any third-party injury or damage arising from conducting your business. Public liability insurance covers incidents like slips and falls.

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 an irritation, product liability insurance may cover the compensation costs.

Other Business Insurance Products for Hairdressers Salon Insurance

Risks for hairdressers 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 business insurance 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 your business, 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 this policy.

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.

Tax Audit Insurance

Whether you run a large or small business or work as a contractor. This insurance policy will cover your business for tax auditing by the ATO.

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 policy 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.

Get in Touch with Sparrow Insurance

Sparrow Insurance understands the risks that small business owners face. It can be overwhelming to go over the different business insurance policies.

Let us know your specific needs so our team can assist you with the business insurance unique to you.

Get an insurance review or request a quote online now.

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FAQs

Are there differences in cover between policies?

Insurance costs will differ from business to business. Not all policies will cover all activities or services offered by every salon.

What are the standard features of this insurance type?

This insurance comes with standard policies like public liability insurance. We can help you customise your package, which will depend on the type of business you have. A mobile beauty salon will have varying policies from one that is stationary in a commercial place. Get in touch with us for a full product disclosure statement.

How much is insurance for hairdressers in Australia?

The cost depends on the level of coverage you would get. If you’re a small or large business, that would matter too. Other factors also affect the cost: the size of your company and the number of employees.

Do I need a worker's compensation insurance?

Worker’s compensation insurance is a mandatory insurance policy in Australia; however, the rules and regulations vary from territory and state. If your staff gets injured or ill during your company activities, they can use worker’s compensation insurance to cover medical bills and other costs.

Is there a fee for additional coverage?

Extras in insurance cover come with additional fees.

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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