Premium Claims Service
Monthly Payment Option
Competitive Premiums
Broad Policy Coverage
Extensive Industry Experience
Professional Liability
Flood Cover Option
Tax Audit Option
We Insure Australia-Wide
We focus on three essential pillars: Price, Cover, and Insurer because we know running a salon is both a passion and a business. You shouldn’t have to choose between affordability and protection. That’s why we’ve worked hard to create business pack products that strike the right balance: broad, high-quality cover at a competitive price point.
Protection that’s ready to pounce when you need it most.
Package 1
Liability Only Package-
Best for >$50K Turnover
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Includes Treatment Risk
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$5K Property Damage Cover
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$10M Public & Product Liability
Package 2
Small Business Package-
Best for >$250K Turnover
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Includes Treatment Risk
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$25K Property Damage Cover
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$10M Public & Product Liability
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Glass Cover - Replacement Value
Package 3
Large Business Package-
Best for >$500K Turnover
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Includes Treatment Risk
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$100K Property Damage Cover
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$10M Public & Product Liability
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$2K Money Cover
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10K Theft Cover
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5K General Property Cover
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Glass Cover Included
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$500K Business Interruption Cover
Package 4
Multiple Salons / Franchises-
Best for <$500K Turnover
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Includes Treatment Risk
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Property Damage Cover
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Public & Product Liability Cover
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Money Cover
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Theft Cover
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General Property Cover
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Glass Cover Included
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Business Interruption Protection
Package Options
Every beauty business is different, which is why your cover will vary depending on the package, options, and level of protection you choose. Unlike general business insurance, our policies are specifically tailored to the beauty industry, covering the unique risks and challenges beauty professionals face every day.
Whether you work from a salon, clinic, home studio, or on the go, we’ll help you build a policy that protects your business, your reputation, and your livelihood.
Liability Only Package
Small Business Package
Large Business Package
Salon or Franchise Package
Contact us for a tailored quote
Find Out MoreWhat Will I Be Covered For?
Every beauty business is different, which is why your cover will vary depending on the package, options, and level of protection you choose. Unlike general business insurance, our policies are specifically tailored to the beauty industry, covering the unique risks and challenges beauty professionals face every day.
Whether you work from a salon, clinic, home studio, or on the go, we’ll help you build a policy that protects your business, your reputation, and your livelihood.
You ARE Covered For
- 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
You Are NOT Covered For
- 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
What Have Others Experienced?
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
Hi everyone, My name is Rachel and I own a salon in Canberra. Our work computer recently got smashed but was insured by salon insurance Australian! It was awesome giving them a call, Heidi immediately picked up the phone (no machines, wait times, or being put on hold). She very clearly and kindly talked me through the process (I have never made a claim before) and emailed me through a few things I needed to provide and a claim form, she helped me fill out the claim form and I think less than 48hours later they paid for me to get the newer model! Everything was really easy (I just assumed it would be a hard and lengthy process), professional, and they were so kind and helpful! I really appreciate it guys! And a big thank you for Heidi for putting up with all my questions
They are the best when it comes to insuring businesses!! I have been with them for 3 years now and never had a problem. Very reliable and always willing to answer any questions that you have about the covers for business. Highly recommend them if you are looking into protecting yourself and your business.
