Barber Insurance

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Business Insurance for Barber Shops *

Barber shops need business insurance, including public liability insurance, as barbers work with members of the public.

Barbers get up close and personal with clients with equipment such as scissors, clippers and razors, that increase the probability of an accident in barber shops.

Public liability insurance may protect barber shop owners against damages from claims if customers are hurt in their shop.

Barber shop owners also face risks in relation to the commercial premises they operate from including property damage, such as glass,  and  theft of equipment and stock.

Fortunately, suitable business insurance for barbers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your barber shop business activities.

Barbers’ business insurance, including product and public liability insurance, may cover property damage, injuries to third parties that are caused by your barber shop business activities.

By ‘packaging’ their business insurance into a ‘business pack’ barbers can potentially cover many of the risks their business faces in the one policy.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Barber?*

Some of the major types of business insurance covers available to barbers in Australia are explained below and include:

  • Business Insurance Pack
  • Public Liability Insurance
  • Commercial Motor insurance
  • Cyber Insurance

Business insurance pack for barbers*

Barbers may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ their business insurance into a ‘business pack’ barbers can potentially cover many of the risks their business faces in the one policy.

For example, if a barber has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for barbers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for barbers with a business insurance pack are General Property, Contents, Machinery Breakdown, Plant and Stock, Theft, Glass, Money, Business Interruption and Marine Cover.

For example, the replacement of scissors and razors may be covered in the event of theft , and loss of profits may be covered under business interruption if caused by a defined event.

Coverage under a business insurance pack for barbers varies depending on the cover options barbers select.

Multiple barber shop locations may be able to be covered on the one business insurance pack policy.

Glass cover and theft for barber shops

Many barber shops have large street frontages that are predominantly glass.

While this attractive facade helps attract clients,  it also makes break and entry burglary claims for barbers common.  

Scissors, clippers and razors are often stolen.

Help reduce the impact of a break an entry by taking glass, general property and theft cover as part of your combined business insurance pack.

Contact a Smart Business Insurance broker for more information.

Commercial motor insurance for self-employed barbers*

Commercial motor insurance should be considered for barbers for mobile barbers that visit their clients in their home or workplace.

Cyber Insurance for barber shops  *

Your barber shop credit card processing system is a target for hackers as is your online store if you have one.

If you are hacked and incur a data breach you may incur significant tech bills, be open to be sued by frustrated customers, and may be subject to thousands of dollars in government fines.

Help reduce the impact of damages from data hacking with cyber insurance – and keep your barber shop going.

Why do barbers need product and public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed barbers.

In Australia, public liability insurance also typically includes product liability insurance.

People and property on site may be hurt or damaged due to accidents involving your barber shop business activities.

Protections offered to self-employed barbers by public liability insurance in Australia generally include:

  • Injury to other persons due to your barber shop activities –Where a barber’s business activity causes harm to a third-party person. For example, a client is injured when they trip and fall, or harmed by scissors or razors in your barber shop.
  • Damage to others property due to your barber shop activities – Where a barber business activity causes damages to a third- party’s property. For example, a barber may accidently cause damage to a supplier’s van when unloading.
  • Harm to other persons or other persons property due to your barber shop business’s products – Where a barber business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, a hair or skin product the barber sells , causes serious harm to a clients scalp or skin.

Public liability insurance coverage may protect barbers from claims that arise when others allege they are negligent.

A barber’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide barber with protection for slip-and-trip accidents, serious harm to a client caused by a product  sold to clients.

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What are the costs of Barber Shop Business Insurance?*

How much does business insurance, including public and products liability insurance, cost for barbers?*

Key factors in determining how much business insurance, including public and products liability insurance will cost a barber include:

  • where your business premises are located
  • the value of the property insured
  • the level of security and fire protection
  • age of premises and equipment
  • the size and turnover of your barber shop
  • number of staff
  • the optional covers selected
  • your claims history
  • The level of cover requested ( for example; $5 million , $10 million or $20 million liability )

Our helpful business insurance brokers may be able to help you find suitable and affordable business insurance for your barber shop on 1300 542 573

Why should barbers use an insurance broker in Australia?*

If you are a barber deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the barber shop owner.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help barbers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a barbers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable business insurance quotes for your barber shop.