The majority of Barber Shops operators, including home based businesses, are looking for affordable insurance that provides good basic cover. We have a Barber Shop package that covers the basic Property and Liability risks or we can offer a Liability Only cover for the cost conscious buyer. Barber shops are often viewed as a low risk occupation.
A cracked shop window, however, can still make a big dent in the bank balance and a fire in the takeaway shop next door can mean business closure. Whether you’re just looking to compare your current policy, or you would like to know more about our policies, why not call today for an obligation free quote.
If you do contract work from a salon, are a mobile beauty therapist, or have your own chain of beauty salons, Salon Insurance Australia is here to help you save time and money. Treatment risks are many and insurance covers can be confusing. When it comes to getting wide cover at reasonable cost, we can offer you a comprehensive Liability wording to take the worry out of giving free advice to your customers, as well as covering a range of beauty treatments risks.
Many of our new clients were previously sold additional insurance policies intended to close gaps in cover – an expensive solution. Our single package satisfies most clients because, as an experienced salon insurance provider, we understand your business and your exposures.
Whether you cut hair at your home, have your own Salon or twenty Salons nation wide, Salon Insurance Australia is able to offer you what we believe is the best mix of price and cover available. Insurance is important, especially Liability, so you need to consider what might happen if one of your staff accidentally cut someone’s ear or spilt bleach on a customer’s expensive handbag.
Salon Insurance Australia helps in smoothing the claim – we will send out the claim form and advise you on the appropriate course of action, lodge your claim documents with the insurer, and if necessary seek to have an assessor appointed. Going forward, we check that your claim proceeds efficiently to finalisation and that the insurer’s settlement amount is correct.
Cover for Make-up Artists can range from a standard Liability only policy, to a more complete business package. Whether you operate your make-up business from home, do mobile work, have a commercial studio or share premises with a beauty or hair salon, we can help you decide the level of cover you require. At Salon Insurance Australia we try to make clients aware of their exposures, so that they are able to make an informed decision about the insurance they are arranging.
Make-up artists may have a low exposure to the risk of Liability claims but some customers are all too ready to sue. For example, eye infections or skin reactions may be blamed on mascara being applied incorrectly or on the products that have been used. It could end up costing a fortune in legal expenses for you to defend a claim. There are also the other risks such as a slip and fall claim. No matter how low the risk seems, you should call us for a quote.
Whether you are a mobile business or own a number of Nail Salons, our policies offer low premiums and excesses. When considering your insurance requirements, it’s important to know your insurance company is solid because you will expect your insurer to pay a claim when something goes wrong. Liability issues can arise simply from a staff member accidentally cutting a customer with a nail file or nail scissors.
There can also be more difficult cases like claims for infected nails, fungus or rot associated with accusations of nails not being sealed properly. Legal defense costs alone can be substantial and seem to be never ending. The packages we offer for Liability protection apply for all your PAYG employees and we are happy to discuss with you the insurance risks associated with using contractors.
In today’s market, some insurance providers are reluctant to offer any insurance cover for Tanning Studios because of the wide publicity and debate over the risks of solarium injury. Not so at Salon Insurance Australia
We know our clients have Liability exposures apart from the solarium risk and we can arrange Liability cover at a very reasonable cost. Like most insurance providers, our insurer will not cover Liability claims relating to the ultra violet effects that solariums have on their users. However other Liability related incidents can be insured. If you would like more information about the cover we provide, please call us.
About one quarter of Australians under the age of 30 have a tattoo, and more than a quarter of that group are looking to have it removed.
We understand the demand for this treatment, which is why our policies specifically include this cover, so you are fully insured in the event of a claim.
And more importantly, we understand the risk is minimal when trained professionals are performing the laser treatment, so the premium charged is minimal.
If you operate a health or day spa, or any type of relaxation retreat, the cover and price offered by Salon Insurance Australia may amaze you. We are able to offer our customers great package deals because, unlike some of our competitors, we deal direct with you and not via member associations. We negotiate hard with our insurers for good cover and pricing which recognises our low cost processes.
The policies that we can arrange cover treatments such as Aromatherapy, Body Wraps, Exfoliation, Massage, Hot Stones, Steam Treatments and many more. Usually we can negotiate no extra charge if you need to add additional treatments to the policy and, as we deal with the whole salon industry, the treatment cover is very broad.
If you operate any type of salon business from home or do mobile work, one business cover you definitely need is Liability Insurance. However, running a home based business raises other insurance issues. For example, most Home & Contents policies exclude any business operations at the home. So if your business activity causes your house to burn down (maybe due to a hair straightener left on), or your polished timber floor is ruined when a wax pot explodes, you may find you are not insured for those events.
There is also the question of business equipment and stock. Stock is often not covered as Contents under a Home Insurance policy. Similarly if someone was to break in and steal $5,000 worth of your business equipment, your Home policy may not respond. We are happy to discuss both your business and home insurance needs. Just give us a call.
When it comes to Massage, we are able to arrange cover for a list of treatments that are usual for a salon environment. These are Swedish, Aroma therapy, Hot Stone, Reflexology, Hand & Back Massage, and some other similar styles. At Salon Insurance Australia, we provide a Liability cover designed to protect you against personal injury claims arising from relaxation massage styles.
If you need cover for other types of massage treatments such as Deep Tissue, Sports or Pregnancy Massage, your local association or massage accreditation provider may provide avenues for obtaining the appropriate cover.
To get a quote for your salon chain or franchise by starting the quote request form below. Alternatively you can call us about getting insurance for multiple locations and franchises.
At Salon Insurance Australia, we pride ourselves on giving you the freedom to tailor your insurance package to meet your needs, regardless of what your business does. Talk to us today, to compare with your current provider or get started with your new business.
Arranging insurance for any sort of salon tattooing can be difficult, and expensive, however we can help.
Our policies specifically include cover for cosmetic tattooing/colour implants/permanent make-up, at an affordable premium.
These treatments are becoming increasingly popular, so it’s important for your business to be protected.
The days of shaving, tweezing and waxing are coming to an end, as laser hair removal dominates the beauty market.
We’ve been insuring all types of laser hair removal machines and treatments for many years, so understand the market and need for suitable insurance.
Our policies specifically include all laser hair removal treatments at an affordable price.