Barber Insurance

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.