Hairdressing Insurance

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Business Insurance for Hairdressers & Hair Salons*

Hairdressing salon owners need business insurance, including public liability insurance, as hairdressers work with members of the public.

Hairdressers get up close and personal with clients with equipment such as scissors, curling irons and razors, that increase the probability of an accident.

Public liability insurance may protect hairdressing salons owners against damages from claims if customers are hurt in their salon.

Hairdressing salon 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 hairdressers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your hairdressing business activities.

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

By ‘packaging’ their business insurance into a ‘business pack’ hairdressers 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.*

"I have great pleasure in acknowledging the great results that Natalie attained for our business insurance and thoroughly recommend her resposiveness and professionalism"

What Insurance Do I Need as a Hairdresser

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

  1. Business Insurance Pack
  2. Public Liability Insurance
  3. Commercial Motor insurance
  4. Cyber Insurance

Business insurance pack for hairdressers

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

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

For example, if a hairdresser 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 hairdressers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for hairdressers 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, curling irons and blow dryers 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 hairdressers varies depending on the cover options hairdressers select.

Multiple hairdressing salon locations may be able to be covered on the one business insurance pack policy.

Glass cover and theft for hairdressing salons

Many hairdressing salons have large street frontages that are predominantly glass.

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

Scissors, blow dryers, brushes, 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 mobile hairdressers

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

Cyber Insurance for hairdressing salons*

Your hairdressing salons 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 hairdressing salon going.

Why do hairdressers need product and public liability insurance?*

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

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 hairdressing business activities.

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

  • Injury to other persons due to your hairdressing activities – Where a hairdressing business activity causes harm to a third-party person. For example, a client is injured when they trip and fall, or  from scissors or razors in your hairdressing salon
  • Damage to others property due to your hairdressing activities – Where a hairdressing business activity causes damages to a third- party’s property. For example, a hairdresser may accidently cause damage to a supplier’s van when unloading.
  • Harm to other persons or other persons property due to your hairdressing business’s products – Where a hairdressing 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 hairdresser sells , causes serious harm to a client’s scalp or skin.

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

A hairdresser’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 hairdressers 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 Hairdresser Business Insurance?*

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

Key factors in determining how much business insurance, including public and products liability insurance will cost a hairdresser 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 hairdressing business activities on 1300 542 573 .

Why should hair salon owners use an insurance broker in Australia?*

If you are a hairdresser 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 self employed hairdresser.

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

Brokers can help hairdressers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to preventor 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 hairdressing 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 hairdressing business activities.