Secure Salon Insurance in Australia

At Sparrow Insurance, we offer broad coverage of insurance in Australia. Under beauty insurance, we also offer salon insurance. Read on to learn more about salon insurance options.

What is Salon Insurance?

When operating a salon, situations can arise at any time. Salon insurance helps protect your business from risks. Salon policy has a number of covers as detailed here.

Insurance Coverage for Salons Can Include

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

Professional Indemnity or Medical Malpractice Insurance

is designed to protect your 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 salon owner, you are liable for any third-party injury or damage arising from conducting your business. This insurance policy may cover incidents like slips and falls.

Product Liability Insurance

Part of running and operating a salon 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 Policies for Additional Protection

Risks for Salons are not only related to practice but to business operations as well. Get covered by other insurance products on top of the above-mentioned policies. These 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 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 insurance 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 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, including those who own home salons. 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 salon business.

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

Get an insurance review or request a quote online now.

Other Insurance Coverages For Beauty Professionals


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.

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 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 insurance type?

This insurance comes with standard policies like Public Liability Insurance Australia. We can help you customise your package, which will depend on the type of business you have. A home or mobile salon will have varying policies from one that is stationary in a commercial place. Get in touch with us for a full product disclosure statement.

Is there a fee for additional coverage?

Extras in insurance cover come with additional fees.