Beauty Salon Insurance in Australia

Insurance designed to cover your unique beauty business needs

Just like any business, working within the beauty industry has its significant risks.  As a beauty business owner, you’re not only responsible for making your clients look good and feel good. You’re also responsible for maintaining their security and safety whilst in the course of your business activities.

What is Beauty Salon Insurance?

It is an insurance policy that covers sole traders, small and large businesses including franchises in the beauty industry. This also includes home salons and mobile salons. The range of salon insurance cover depends on the risks and needs unique to every business.

Do I need a Beauty Salon Insurance?

If you are a salon owner, and even for a home salon, and employing therapists under your care, risk managing and having adequate business insurance is essential to ensuring your ongoing protection.

It pays to have an insurance policy for your business in Australia. Every day, your business may be exposed to risks, to mention a few below, but not limited to:

Type of Beauty Salon Insurance for Your Package Can Include

If you own a salon in Australia or a home beauty salon or hair salon at home, 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 or your beauty therapists are 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 can be incidents like slips and falls, which public liability insurance may help. Even a business beauty salon at home may have incidents and property damages to someone else’s which may be covered by public liability insurance.

Product Liability Insurance

Part of running and operating Beauty Salons is to sell or supply products. Product liability cover protects you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing rashes from your facial cream, product liability insurance may cover the compensation costs.

Other business insurance products for Beauty Salon

Risks for Beauty Salons are not only related to practice but to business operations as well. Get covered by other business insurance 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, to cover 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 business insurance will cover your business for tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your customer’s 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 insurance is for every beauty therapy 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.

Get in Touch with Sparrow Insurance

Sparrow Insurance understands the everyday risks and needs of operating a beauty salon business. We take time to understand your unique needs and recommend a suitable insurance policy to meet the needs of your profession.

Beauty Insurance & More in Australia


Do I need to get insured if I am a salon chair renter?

Yes, chair renters also need insurance protection because they face the same types of risks that salon owners do. As general advice, beauty therapists may need professional indemnity cover and other liability insurances.