Professional Beauty Insurance Services in Australia

Insurance policies to protect professionals and businesses in the beauty business sector

Even with the beauty industry thriving, running a beauty business can be risky, especially with the everyday interaction in a spa or salon.

Professional beauty insurance can go a long way to providing cover for your business should any mishap happen.

What is Beauty Insurance?

Beauty insurance is a policy that covers beauty professionals against any risks involved in their line of duty. The cover also takes care of employees, property, and members of the public. The package also covers liability against treatments or products used on customers.

Categories of Beauty Insurance

At Sparrow Insurance, we may be able to cover salon and cosmetic insurance, as part of our beauty industry insurance products.

Salon Insurance

Salon insurance is important if you own a home salon or you’ve rented a chair for hair beauty. This business insurance is essential if you deal with hair beauty and other beauty processes. The cover protects your property and employees against any liabilities.

Cosmetic Insurance

We’ve customised this business insurance to cater to any cosmetic procedures covering you and your clients. Our cosmetic insurance often takes care of the employer’s liability, public liability, property, legal expenses, and professional indemnity. Whether you own a chain of home salons or you’re in a rental property, we may be able to cover you.

Get the Beauty Industry Insurance Cover for You and Your Business

These five types of business insurance covers are meant to help you have some peace of mind as you take care of your clients. This is what we offer as insurance for beauty therapists, hair specialists, and other professionals in the industry.

Public Liability Insurance

A client could slip and get injured on the floor. Hot wax could hurt your customer during waxing. Besides, your hairdresser may accidentally burn a customer’s hair during the blow-dry. In another scenario, they can give your customer the wrong haircut by mistake. This is where public liability cover comes in, protecting you and your business against such claims from members of the public and customers.

Product Liability Insurance

If your business involves supplying clients with products used in the hair beauty or beauty industry in general, then having a product liability package is a matter of priority. The cover can protect you against claims that the products sold caused direct or indirect harm to the users.

General Property Cover

If you are a salon owner or if you work as a beauty therapist or a mobile beautician, you have the equipment and other expensive property within your business. You can secure your property using this cover because it comes in handy in the event of an eventuality, such as fire or theft.

Professional Indemnity

This particular insurance product comes in handy in case a client makes a claim that your advice or a particular service you provided caused injury. For example, you recommended a specific routine which later on proved to be incorrect that it ended up causing harm to your client’s skin. Another scenario is poor service such as when you bruise a customer during a pedicure or manicure which later becomes an infection.

The professional indemnity cover protects you against such claims from customers, caters to legal fees and damages.

Business Interruption

This policy can cover losses that are likely to occur if your business is forced to close. For example, if you have to attend court cases for several days in a month, you’ll have to forego lots of income. You can also close the business if there’s damage to property or theft.

Beauty Insurance Services for Business Owners and Beauticians

Business
Owners

As a business owner, you should protect your business, equipment, employees, and data. Getting one of our customised business insurance packages is therefore important.

Independent Contractors

If you’re a freelance beautician or if you work as an independent contractor, it’s important to cover your work. Anything could happen while working at a client’s home or as you offer the services at your home.

Secure a Customisable Insurance for Your Beauty Business

With our network of insurance brokers in Australia, Sparrow Insurance can get you ready with business insurance for your beauty business. We can offer you suitable insurance options that fit your needs. As we guide you with customisable insurance products, we’ll be there to help you every step of the way.

FAQs

Can I pay monthly for beauty insurance?

By now, you’re probably wondering how our payment plans are. The good news is that we know that the financial capabilities of our clients cannot be the same. Talk to us for payment options.

Do I really need beauty industry insurance for my business?

It’s impossible to predict when a risk can occur costing you all the investment. Insuring your beauty business is therefore important for any business owner with long term goals.

Are you a hair beautician? Do you own a salon, or do you operate one from home? It’s time to protect your business with insurance products. You can get a suitable cover to take care of you and your business.

 

Get a professional insurance review or request quotes online now.