FREQUENTLY ASKED QUESTIONS

We provide a variety of insurance plans tailored for salons, including public liability, property insurance, and professional indemnity. These cover various aspects of your business to ensure peace of mind.

Getting a quote is simple! Just fill out the online form on our website, or give us a call, and one of our team members will assist you with the details.

To make a claim, you can fill out our online form or contact us directly, and we will guide you through the process. We aim to handle claims quickly and efficiently so you can focus on running your business.

Yes, we offer various discounts depending on the coverage you choose and your claim history. Contact our team to see what savings you may qualify for.

Absolutely! You can modify your policy as your business needs change. Just reach out to us, and we’ll help you adjust your coverage accordingly.

Property damage cover provides protection against a range of insured events, including fire, lightning, storm damage, water damage, earthquake, explosion, impact by vehicles or aircraft, riot or civil commotion, malicious damage, vandalism, and accidental damage.

Flood cover is generally optional under this section and may be added to your policy for an additional premium, depending on your circumstances and insurer approval.

To ensure adequate protection, it’s important to insure your business assets for their full replacement value, as underinsurance may reduce the amount payable in the event of a claim.

An interruption to your business following an insured event, such as fire, storm, or cyclone, can often have a greater financial impact than the physical damage itself. Business Interruption cover is designed to help protect your business from the financial consequences of temporary closure or disrupted trading, including loss of income, rent, wages, increased operating costs, accountant fees, and other related expenses.

Flood” means the covering of normally dry land by water that has escaped or been released from the normal confines of:

1. A lake, river, creek or another natural watercourse (whether or not it has been altered or modified);

2. A reservoir, canal or dam.

This is the standard definition for the insurance industry in Australia.

Professional Indemnity insurance protects your business against claims arising from alleged errors, omissions, or negligence in the professional advice, services, or work you provide. It can help cover legal costs, settlement expenses, and compensation payments associated with covered claims.

Any business or professional that provides advice, services, or expertise to clients may need Professional Indemnity insurance.

Professional Indemnity covers claims from professional advice or services. Liability insurance covers injury or property damage caused to others during your business activities.

Business insurance helps protect your business from financial loss due to risks such as property damage, legal claims, theft, or business interruption.

Treatment wording outlines the treatments and services that is covered under your policy, your policy schedule should reflect what is covered. This is how an insurer will assess and respond to certain situations, such as known claims, prior work, or changes in risk.

Your policy wording and schedule explain what is covered, what is excluded, and the limits of your cover. Contact our office to find out more or your broker can also help clarify this.

You can request a Certificate of Currency with our team at Salon Insurance Australia via email: the [email protected] or by calling our office on 1300 373 586. It confirms your policy is active and shows the key details of your cover.

To claim, simply contact our team at Salon Insurance Australia via email: the [email protected] or by calling our office on 1300 373 586.