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Insurance for hairdressers and salons
Insurance for hairdressers, barbers and salons: public and product liability for your clients, a business pack for the salon fit-out and income, and workers compensation once you employ staff. Tell us you’re a hairdresser and a licensed broker compares quotes for you.
- Hairdresser set as your occupation (ANZSIC 9511)
- Public liability and a salon pack in one request
What insurance do hairdressers need?
Most salons combine public and product liability with a business pack. Public liability covers a client who’s injured in the salon, and products liability covers the products you sell. The pack covers your fit-out, equipment, glass and lost income if you can’t trade after an insured event.
The covers salons usually hold
| Cover | Why |
|---|---|
| Public liability | A client slips on hair clippings, or is injured during a service, subject to the policy. |
| Business pack | Chairs, basins, mirrors, stock and the shopfront glass. |
| Workers compensation | Compulsory once you employ staff above your state’s threshold. |
| Income protection (broker) | For owner-operators who can’t work. |
Beauty therapists and nail technicians can also compare online.
Employing hairdressers
Fair Work explains that the Hair and Beauty Industry Award 2020 covers employers in the hair and beauty industry, including hairdressers, apprentices, barbers, beauty therapists and nail technicians. Taking on an apprentice also triggers workers compensation in NSW and Victoria.
What salon insurance usually won’t cover
These need other cover:
- Staff injuries.Workers compensation.
- A client unhappy with a cut or colour.That’s a service dispute, not an insured loss.
- Your own injury.Income protection.
How to compare salon insurance
Hairdresser insurance questions
What insurance does a hairdresser need?
Usually public and product liability, a business pack for the salon, and workers compensation once you employ staff.
Do mobile hairdressers need insurance?
Yes. Public liability is the core cover when you work in clients’ homes. Add equipment cover for the kit you carry.
Does public liability cover hair products I sell?
When products liability is included, it can cover injury caused by goods you sell. Check the PDS.
Do I need workers compensation for an apprentice?
In NSW and Victoria, taking on any apprentice means you need a policy.
Can hairdressers compare insurance online?
Yes. Hairdressers, beauty therapists and nail technicians can request quotes online.
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