CLAIMS

FAST AND EASY CLAIMS WHEN YOU NEED IT MOST
Industry Expertise When it Matters Most

We Are Here For You

At Salon Insurance Australia, we understand that unexpected incidents can occur in the hair and beauty industry. Whether you’re dealing with a client injury, treatment-related issue, property damage, equipment loss, theft, or another insured event, our experienced claims team is here to support you every step of the way.

Our claims team understands the unique risks faced by hairdressers, beauty therapists, barbers, nail technicians, cosmetic practitioners, salon owners, and beauty businesses across Australia. We work closely with insurers and industry experts to help ensure your claim is managed fairly, efficiently, and with minimal disruption to your business.

When you are faced with the unexpected, we step up and handle your claim so you can focus on your business. 

How to Lodge a Claim

The quickest and easiest way to lodge a claim is by downloading and completing the relevant claim form or by calling our team on 1300 373 586 to request a claim form to be emailed to you for completion.

When lodging your claim, please have the following information available:

  • Your salon or business details
  • The date, time and location of the incident
  • Contact details of any parties involved
  • A description of what happened
  • Any supporting documentation, including photographs, invoices, receipts, reports, or correspondence relevant to the claim
General Claim Form
Liability Claim Form

What Happens Next?

Once your claim has been received, it will be assessed by our claims team and assigned to a dedicated claims specialist. Your Broker will keep you informed throughout the process, provide updates on the progress of your claim, and guide you through any additional requirements.

Need Assistance?

If you’d like to discuss an incident before lodging a claim or need help completing the claims process, our friendly team is here to help.

Call us on 1300 373 586 and we’ll be happy to assist with your claim or answer any questions you may have.

Request a Callback

Your Protection

At Salon Insurance Australia, we want you to be confident about your cover from the moment you sign up. The following information has been designed to provide easy to understand details about what you can expect to be covered for when insured with Salon Insurance Australia and some examples of claim outcomes, so you can really comprehend just how valuable our support can be when you need it most. 

  • A customer slipping on cut hair and being injured
  • Accidentally cutting a customer with scissors during a haircut
  • Thieves break in overnight and steal expensive equipment
  • A shelf falling and injuring a customer
  • A styling chair collapses while a customer is seated causing injury
  • An allergic reaction to a product or treatment
  • Spilling hot wax on a customer's phone
  • A burst pipe floods the property, causing damage to flooring
  • A power surge damages electrical equipment
  • Piercing if adequate jewellery is not used
  • Giving nutritional advice
  • Using exercise, sports or weightloss equipment
  • Using tanning pills or tanning machines with UV rays
  • Medical treatments or cosmetic surgery
  • Skin needling with needles longer than 2mm
  • Body art or permanent tattoos that are not cosmetic
  • Certain types of massage
  • Acupuncture

Claim Outcomes Explained

Beauty professionals are experts at caring for their clients, but some risks are simply beyond anyone’s control. Over the years, we’ve seen claims ranging from treatment-related injuries and equipment malfunctions to fires, storms, theft, and property damage. Whether it’s a client suffering a reaction during a treatment, a break-in resulting in stolen stock, or severe weather causing costly damage to a salon fit-out, these events can have a major financial impact. The claim examples below are real-life scenarios that demonstrate how insurance can help businesses recover and get back to doing what they do best.

While every claim is different, they all share one thing in common, having the right insurance in place made all the difference.

Fire Damage Claim

A dryer caught fire in the back room, causing significant damage to the store. Insurance covered repairs and reinstatement.

$173,191 Paid

Storm Damage

Severe weather caused a roof leak, damaging the shop fit-out and contents. The claim covered repairs and replacement costs.

$92,000 Paid

Machinery Damage - Fire Loss

This was the total loss resulting from an electrical fire within the home-based business, causing extensive damage throughout.

$130,000 Paid

Liability - Hair Treatment Injury

A hair product caused scalp burns during application. Public liability insurance covered the claim and legal costs.

$95,000 Paid

Liability - Laser Treatment Injury

Incorrect equipment settings resulted in burns to the face and body. Insurance covered compensation and expenses.

$90,000 Paid

Theft Claim - Break In

The front door was forced open and stock was stolen. Insurance covered property damage and stolen contents.

$27,000 Paid