Arrange a customised insurance to protect your beauty business while you work mobile
Like all businesses, there are risks when operating a mobile business. Unexpected problems may happen when you’re out and about for work. And when you go to your clients’ homes to do the procedures, some incidents can quickly escalate. Preparing for the risks through customised business insurance is like saving up for a rainy day.
When deciding to protect your business in the beauty industry from risks, insurance for mobile beauty therapists is a key consideration.
As a mobile beauty therapist, you face your clients personally, opening yourself to higher risks. It can be rewarding when your clients look good and feel good at the end of therapy, but likewise, it can be risky on your end.
Allergic reactions, hot wax spills, nail infections—these are just some risks. And if you’re on the go, there can be loss of tools, equipment, or damage to client property . . . and a lot more. Accidents are unavoidable, but they can be mitigated with business insurance policies.
If you own a mobile beauty salon in Australia, you should give yourself and your customers the peace of mind that you all deserve.
Professional Indemnity or 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 mobile beauty salon owner, you are liable for any third-party injury or damage arising from conducting your business. This liability insurance can cover incidents like slips and falls, which public liability insurance may help with.
Product Liability Insurance
Part of running and operating a mobile beauty 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.
Risks for Mobile Beauty Salons are not only related to practice but to business operations as well. Get covered by other business insurances 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 Insurance
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 business policy.
Tax Audit Insurance
Whether you run a small or large business or work as a contractor. This insurance policy 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 cover 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
Business insurance for mobile beauty therapists can be overwhelming on your end, but we’ll help you get through it with insights so you can be more confident with the right type of cover for your business.
Get a comprehensive review or request insurance quotes online now.
Other Insurance Policies in the Beauty Industry
The cost varies from business to business. It depends on your business size, the number of employees, and the types of services. Please fill out the request form for insurance quotes.
Talk to us through the Contact Us page or give us a call. We can proceed with the initial consultation, where we can assess your business operations. From there, we can present to you several packages to choose from.
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.
Copyright 2022 © Sparrow Insurance Co. Pty Ltd. - an Authorised Representative (No. 001285344) of EBN Holdings Pty Ltd ABN 24 635 396 306 AFSL 518220
