Secure Cosmetic Insurance for Beauty and Aesthetic Businesses in Australia

Insurance policies to protect professionals and businesses in the cosmetic beauty industry

Cosmetic Insurance for Beauty and Aesthetic Businesses

Sparrow Insurance provides Cosmetic Insurance, with many options available for additional insurance as your business grows, whether you’re a contractor, franchisor, or business owner. Whatever your specific insurance need is, we are here to help.

Categories of Cosmetic Insurance

Cosmetic Injectables Insurance

We can assist you with arranging the insurance you need for your services. Our wide-ranging insurance policies may be able to cover a variety of treatments that you provide.

Cosmetic Tattoo Insurance

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

Specialised Cosmetic Medical Insurance

This insurance protects medical professionals who do not have adequate cover for some specific treatments and services. Get in touch with us to know more about this insurance.

Specialized Insurance Coverage for Your Cosmetic Beauty Business

If you own a Cosmetic Beauty clinic 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 business from claims arising whilst you’re providing professional advice or services. Professional Indemnity can also assist you with the legal defence, compensation, and settlement costs associated with the claims.

Public Liability Insurance

As a business owner, you are liable for any third-party injury or damage arising from conducting your business. Public Liability can cover incidents like slips and falls.

Product Liability Insurance

Part of running and operating a cosmetic injecting business is to sell or supply products. Products Liability protects you from any personal injury or damage caused by your goods or products. If a client makes a claim against you for developing an irritation caused by your beauty products, this Products Liability policy may cover the compensation costs.

Other Business Insurance Products for Additional Protection

Risks for Cosmetic Clinic Owners 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 products 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 product protects your cosmetic 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 to cover 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 product 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 can cover 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 product is for every individual, business owner or contractor, as accidents and sickness do happen to business owners and contractors. This policy may assist your business to enable you to employ staff to cover you, the business owner, while you are unable to work.

Get in Touch with Sparrow Insurance

Any business always poses risks to both the business owner and the clients. With cosmetic beauty clinic business, the risks can even be higher. To minimise such risks, arranging an insurance policy can help, so you can have peace of mind as you provide your cosmetic beauty services.

Sparrow Insurance can assist you with arranging a customised insurance for your business needs.

Get an insurance review or request a quote online now.

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FAQs

1. How much does this cost?

The cost varies from business to business. It depends on your company size, the number of employees, and the types of services. Please fill out the request form for insurance quotes.

2. How do I apply for this insurance plan?

Talk to us through the Contact Us page or give us a call at (07) 550 28326. We can proceed with the initial consultation, where we can assess your business operations. From there, our trusted insurance brokers can present to you several packages to choose from.

3. 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.

4. What are the standard features of this insurance type?

This insurance comes with standard products like Public and Products 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.

5. Is there a fee for additional coverage?

Extras in insurance cover come with additional fees.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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