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Insurance for Beauty Therapists and Beauty Salons

Instant beauty therapists and beauty salon insurance that combines professional indemnity, public liability and products liability

Starts from $346 per year

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protects you against

What is covered under this insurance policy for beauty therapists and beauty salons?

Beauty therapist and beauty salon insurance covers beauticians, eyelash technicians, manicurists, pedicurists, hairdressers, nail technicians, laser hair removal specialists, beauty salon owners, beauty therapy students and is designed to include both professional indemnity, public liability and products liability.

This insurance is suitable for beauty therapists who are self employed, renting a chair at a salon, working at home, in a salon and a beauty salon owner.

The policy can cover beauty therapists that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your beauty business against any liability if someone is injured on your premises or while you are providing your services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your beauty business in the course of providing your professional services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your beauty business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your beauty business.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your beauty therapist services.

other benefits

Value added benefits of the beauty therapist insurance policy

Contract Review

This entitles you to four contract reviews each year you have your beauty business insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

An eyelash extension procedure goes wrong and you damage your client’s eyelashes and eyebrows.

Trips, Slips and Falls

A client slips on some spilled chemicals that weren’t cleaned up entirely from the floor fracturing their arm.

Negligence

A laser hair removal procedure leads to hyperpigmentation and extreme sensitivity to any kind of heat.

Error of Judgement

A client mentioned they have medical conditions but you forgot to provide the patient form to your beautician. They did the incorrect procedure and the client suffered health complications.

Bad Professional Advice

You recommend the use of certain cosmetics without demonstrating and recommending a skin patch test, and use of the products lead to severe skin reaction to the client. .

Third Party Damage

While one of your therapists completes a foot soak and massage, they drop the bowl of water in the client’s clothes damaging their brand new iPhone.

exclusions

What is not covered (exclusions) under beauty therapist insurance?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Hairdressers & Barbers
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Eyebrow shaping
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Beauty & Makeup service
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Cosmetic Tattoo Artists
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Other 20+ Beauty Professions
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as a beauty therapist or beauty salon operator and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get beauty therapist insurance to win a client or to conduct beauty procedures at your salon, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, beauty therapist insurance is the perfect solution for beauticians, eyelash technicians, manicurists, pedicurists, hairdressers, nail technicians, laser hair removal specialists and beauty salon owners.
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faqs

You asked, We answer

Why is beauty therapist and beauty salon insurance important?

Whether a salon owner or working in one, the job of a beautician involves the use of chemicals and cosmetics. This leaves scope for errors and sometimes mistakes happen or things do not go according to plan. If your client holds you responsible, it could put at risk everything you have worked for.
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You may still be required to get insurance even if you are working as a mobile beauty therapist or a part-time beautician. If you're unprotected, you could suffer a devastating financial blow.

What can a beauty therapist and beauty salon be sued for?

While we hope it doesn't happen, beauty therapists can potentially be sued for:
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• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored beauty therapist and beauty salon insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

I conduct the following types of beauty services. Am I covered under the policy?

1) Mobile beauty services
2) Hairdressing
3) Manicure/pedicure
4) Laser hair removal specialists
5) Nail technicians 
6) Beauty salon ownersYes, as long as you add these additional activities to your insurance policy. 

What this insurance excludes:

Cosmetic injectables (Fillers and botox)
Laser Hair Removal for Fitzpatrick Skin Types 5 and 6

What occupations are covered under beauty therapist insurance?

1. Acid or chemical peels up to a strength of 40%
2. Acid or chemical peels up to a strength of 60%
3. Barber Shop Operation
4. Beauty Salon Operation
5. Beauty Therapist - (Non-AHPRA regulated)
6. Body Piercing (excl Genitalia & Tongue)
7. Body Wrapping
8. Calendula Eye Baths
9. Computer Digital Imaging Hair Styling Service
10. Cosmetic Hair Restoration Service
11. Cosmetic Tattoo/Micropigmentation Derma therapy
12. Curative Bath Or Spa Centre Operation
13. Dietician
14. Dieticians
15. Doula
16. Dry Needling
17. Dyathermy
18. Ear Candling
19. Electrical Epilation
20. Electro Collagen Therapy
21. Electro Proration Treatment
22. Electrolysis
23. Epidermal Levelling
24. Epilation Service or Hair removal (except laser)
25. Eyebrow Shaping/Threading/Tinting/Eyelash Extension/Tinting
26. Facials
27. Fat Reduction Laser/Galvanic Gua Sha
28. Hairdressing
29. Hairdressing Service
30. Hairdressing Service - Mobile
31. High Frequency Facial
32. Intense Pulse Light (IPL/VPL)
33. Isolation/Floatation Tanks Operation
34. Laser Hair Removal
35. Laser Tattoo Removal
36. Light/Heat Therapy
37. Make-up Service
38. Makeup/Make-up
39. Manicure / Pedicure / Spa
40. Manicure Service
41. Manicure Service - Mobile
42. Massage Service (Except Clinical Or Therapy Massage Service)
43. Mesotherapy
44. Microcurrent Treatment
45. Microdermabrasion
46. Microsclerotherapy/Micro sclerotherapy
47. Milia Extractions
48. Non-Laser Tattoo Removal
49. Oxygen Therapy
50. Paraffin Wax Treatment
51. Pedicure Service
52. Radio & Ultrasonic Skin Treatments
53. Sauna (including Infrared)
54. Skin Needling
55. Spray Tan
56. Tanning - Excluding Solarium Services
57. Teeth Whitening
58. Therapeutic Massage Service
59. Waxing/Alkaline Hair Removal
60. Weight loss consulting
61. Weight Loss Consulting Service
62. Weight Reduction Service - Mainly Diet Planning Programs
63. Weight Reduction Service - Mainly Exercise And Fitness Programs

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upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078