Professional Beauty Insurance Products in Australia

Sparrow Insurance offers beauty insurance products for beauty therapists, salon owners, and businesses in Australia. Get free instant quote!

With the beauty industry thriving, running a beauty business can be risky, with the complexities of the expectations of the clients for you to meet their needs

Professional beauty insurance can go a long way to providing cover for your beauty industry business if a situation arises, depending on the options you choose.

What is Beauty Insurance?

Beauty insurance is a combination of policies that covers beauty professionals against risks involved in the day-to-day operation of your business.

Beauty Insurance Coverage in Australia Can Include The Following

If you own a salon in Australia, you should give yourself, your employees, and your customers the peace of mind that you all deserve.

Professional Indemnity/Medical Malpractice Insurance

is designed to protect your salon 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 Beauty Business Owner, you are liable for any third-party injury or damage arising from conducting your business. Public Liability Insurance may cover incidents like slips and falls.

Product Liability Insurance

Part of running and operating a beauty business 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.

Other Business Insurance Products for Beauty Professionals/Business

Risks for businesses are not only related to practice but to business operations as well. Get covered by other business insurance products on top of the above-mentioned policies. These business insurance policies below are a recommendation only and are subject to a review of your specific requirements.

Management Liability

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 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 business 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 to work.

Get in Touch with Sparrow Insurance

Sparrow Insurance understands the risks that small business owners face. It can be overwhelming to go over the different business insurance policies. But we’ll help you get through it with insights so you can be more confident with the right type of cover for your beauty business.

Let us know your specific needs so our team can assist you with the beauty industry insurance package unique to you.

Get an insurance review or request a quote online now.

Beauty Insurance Products

Frequent Questions About Beauty Insurance

Can I pay monthly for beauty insurance?

Yes this is an option we can provide for you through a funding company

Do I really need beauty industry insurance for my business?

It’s impossible to predict when a situation can arise. Insuring your beauty business is therefore important for any business owner. Get a professional insurance review.

How do I apply for this insurance plan?

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 beauty business operations. From there, our trusted insurance brokers can present to you several packages to choose from.

Do I need workers compensation insurance?

Yes, if you employ staff or contractors. Workers compensation is mandatory in Australia, although the rules and regulations may vary from territory or state. 

What are the standard features of this beauty industry insurance type?

This insurance comes with standard policies like Public Liability. We can help you customise your package, which will depend on the type of business you have. Get in touch with us for a full product disclosure statement.