Need a hand? Get support from a real human
call 📞 1300 872 683
or click to arrange a call-back

Insurance for Hair Salon, Hair Stylists, Hairdressers and Barbers

Instant hairdresser insurance, Hair Salon insurance and Barber insurance that combines professional indemnity, public liability and products liability

Starts from $346 per year

GET INSTANT QUOTE

upcover offers

Instant Insurance Cover

Acclaimed Claims Service

Market Leading Insurance

Cancel Anytime Insurance

100% Online Process

Instant Proof of Insurance

protects you against

What is covered under this insurance policy for Hairdressers and Barbers?

Hairdresser insurance under the allied health professionals insurance covers hairdressers, mobile hairdressers, barbers, hairdressers renting a chair, self employed hairdressers, hair salon owners and is designed to include both professional indemnity, public liability and products liability.

The policy is suitable for hairdressers and barbers working from home, in a salon or owning a beauty salon.

The policy can cover hairdressers and barbers that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your hairdresser 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 hairdressing business in the course of providing your professional services in Australia.

Property Damage

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

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 hairdressing 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 hairdressing services.

other benefits

Value added benefits of the hairdresser & barber's insurance policy

Contract Review

This entitles you to four contract reviews each year you have your hairdresser and barber 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.

Customize by industry

Hair Salon
Beauty Salon
Hairdresser
Barber
Mobile Hairdresser
COVERAGE BY INDUSTRY

Comprehensive Coverage for Hair Salons

Running a hair salon requires not only creativity and skill but also a robust risk management strategy to protect your business from unforeseen events. upcover helps hair salons navigate these risks confidently.

Our global insurance partners offer your business:

Customised Coverage: Benefit from insurance solutions meticulously tailored to address the unique risk exposures of hair salons, including liability, property damage, and employee-related risks.
Public Liability Protection: Guards against liabilities from accidents or injuries that may occur on your premises, ensuring peace of mind as you serve your clients.
Property Damage Coverage: Receive dedicated coverage for your salon’s equipment and premises, fortifying your defenses against theft, fire, and other damages.
GET INSTANT QUOTE

Why choose upcover for Hair Salon Risk Solutions

Unified policy

Their problem

A popular hair salon experiences a fire, causing significant damage to their property and equipment. The salon has to shut down temporarily, leading to a loss of income and additional expenses for repairs and replacements.

upcover's solution

upcover protects against the financial loss of damaged assets and covers the loss of income and additional operational costs during the recovery period.

Liability protection

Their problem

A client slips on a wet floor in the salon, resulting in an injury that requires medical attention. The client decides to sue the salon for negligence and medical expenses.

upcover's solution

upcover covers the legal costs and settlement with the affected client, ensuring that the salon can continue to operate without financial strain from the lawsuit.

COVERAGE BY INDUSTRY

Top Beauty salons insure with upcover

Operating a beauty salon involves ensuring the safety and satisfaction of your clients, along with the protection of your business. upcover's insurance solutions help to meet the unique needs of beauty salons, including home and mobile salons.

Our global insurance partners offer your business:

Tailored Coverage: Benefit from insurance solutions meticulously tailored to address the unique risk exposures of hair salons, including liability, property damage, and employee-related risks.
Professional Indemnity Protection: Guards against liabilities from professional advice or services, ensuring peace of mind as you provide beauty treatments.
Client Safety and Property Security: Receive dedicated coverage for third-party injuries and property damage, fortifying your defenses against potential risks.
GET INSTANT QUOTE

Why choose upcover for Beauty Salon Risk Solutions

Unified policy

Their problem

A beauty salon faces a lawsuit after a client's skin reacts negatively to a treatment. The client's dissatisfaction leads to legal action for damages and compensation.

upcover's solution

upcover protects against financial losses from negligence allegations and covers the costs of responding to the client's claim.

Financial loss cover

Their problem

A beauty salon experiences a fire, resulting in significant damage to equipment and loss of income due to business interruption.

upcover's solution

upcover covers the costs of equipment replacement and compensating for the loss of income during the downtime.

COVERAGE BY INDUSTRY

Comprehensive Coverage for Hairdressers

Managing a thriving hairdressing business involves handling various unique risks, from accidental harm to clients' hair to the everyday operations of a busy salon. upcover offers specialised risk management solutions to help you tackle these challenges with confidence.

Bespoke Coverage: Benefit from insurance solutions specifically crafted to address the distinct risks faced by hairdressing businesses.
Public Liability Coverage: Safeguards against liabilities from accidents or injuries that happen on your premises, ensuring peace of mind as you provide exceptional services to your clients.
Professional Indemnity: Receive targeted coverage for the professional advice and services you deliver, protecting you against claims of negligence or unsatisfactory work.
GET INSTANT QUOTE

 Why choose upcover for Hairdressing Risk Solutions

Integrated policy

Their problem

A busy hair salon encounters an incident where a stylist accidentally spills a chemical treatment, damaging the client's expensive handbag and clothing. The client demands compensation for the damages.

upcover's solution

upcover protects against financial losses from accidental damage on your premises and covers the cost of compensation and any legal fees involved in the claim.

Financial loss cover

Their problem

A hairdressing business offers specialised hair treatments that require precise application. A stylist incorrectly applies a treatment, causing significant damage to the client’s hair, leading to a lawsuit for damages.

upcover's solution

upcover protects against the legal costs and compensation claims, ensuring that the business can continue to operate without the financial strain of the lawsuit.

COVERAGE BY INDUSTRY

Insurance built for Barbers

Barbers face unique risks and challenges in their profession. Every day, they interact closely with clients, handle sharp tools, and manage busy schedules, all while ensuring a safe and pleasant environment. upcover understands the specific needs of barbers and offers tailored insurance solutions to protect them and their businesses.

Tailored Protection: Our insurance policies are designed to cover all aspects of your barbering business, from the initial setup to day-to-day operations, providing comprehensive coverage for every stage.
Liability Coverage: Protect your business from legal and financial repercussions arising from client injuries, property damage, or other liabilities, allowing you to focus on providing excellent service without worry.
Equipment and Property Coverage: Safeguard your valuable tools and equipment against theft, damage, and loss, ensuring your business continues to run smoothly without unexpected disruptions.
GET INSTANT QUOTE

 Why choose upcover for Barber Risk Solutions

Client injuries

Their problem

Barbers can face significant financial and legal challenges if a client is injured during a service, leading to potential lawsuits and compensation claims.

upcover's solution

upcover provides robust liability coverage that handles legal claims and compensation costs associated with client injuries, protecting your business from financial strain.

Business interruptions

Their problem

Unexpected events such as natural disasters or accidents can halt business operations, leading to income loss and financial hardship.

upcover's solution

upcover covers ongoing expenses during periods of downtime, allowing you to recover and reopen with ease.

COVERAGE BY INDUSTRY

Tailored Insurance for Mobile Hairdressing

Mobile hairdressers face unique risks from operating outside traditional salon environments. upcover provides tailored insurance solutions for mobile hairdressers, ensuring your business is protected as you deliver top-notch services on the go.

Flexible Coverage: Seamless protection from the start of your business journey through its growth, ensuring you are covered for all stages of your mobile hairdressing service
Liability and Financial Losses Coverage: Protect against legal disputes and financial losses, enabling you to focus on delivering exceptional hairdressing services without worry
Equipment and Product Protection: Secure your essential tools and products with coverage that ensures you're not left out of pocket due to damage or theft
GET INSTANT QUOTE

 Why choose upcover for Mobile Hairdressing Risk Solutions

Accidental damage or loss

Their problem

Mobile hairdressers frequently encounter issues with their equipment getting damaged or lost while on the move, which can disrupt their services and cause financial strain.

upcover's solution

upcover protects against accidental damage or loss of your hairdressing tools and equipment, covering repair or replacement costs, and minimising service interruptions.

Incidents coverage

Their problem

Mobile hairdressers can face legal claims from clients for incidents such as accidental injuries or property damage during appointments, leading to costly legal battles and potential financial losses.

upcover's solution

upcover protects you from legal claims arising from accidental injuries or property damage, covering legal defense costs and any compensation you may be required to pay.

events covered
Physical Injury

While cutting a client’s hair, the scissor slips from your hands and damages the client’s left eardrum.

Trips, Slips and Falls

A client falls on some water that spilled from her hair washing basic breaking their ankle.

Negligence

You did not consider a client’s existing allergies before recommending a hair product. A patch of hair had to be removed by the doctor to treat the resulting allergic reaction. The client also could not go to work for several weeks leading to monetary losses.

Error of Judgement

You apply colour to a client’s hair. Midway you realise the bottle is running low and you ask an apprentice to mix up some more. Half of the hair ends up in a different colour. The client is (understandably) less than happy and threatens to sue you.

Bad Professional Advice

A client complains about a burning sensation after you apply hair dye. You ignore their pain and reassure them that some discomfort is to be expected. It turns out the product did not agree with the client leading to second degree burns..

Third Party Damage

You’re working with a hair straightener machine and accidentally leave it on a client’s $2000 jacket, damaging it.

exclusions

What is not covered (exclusions) under the hairdresser insurance policy?

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.

It's Instant. It's easy. It's upcover!

GET INSTANT QUOTE
other occupations covered

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

Beauty therapists & Beauty salons
See More
Beauty & Makeup service
See More
Eyebrow shaping
See More
Cosmetic Tattoo Artists
See More
Other 20+ Beauty Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as hairdressing, mobile hairdresser or barber shop operation and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get hairdresser insurance to run your own hairdressing business or work with a salon/spa, 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, hairdresser insurance is the perfect solution for barbers, hairdressers and salons.
GET INSTANT QUOTE
Latest Posts

From Our Blog

Stay up to date with our articles for hairdressers & barbers
view more
faqs

You asked, We answer

Why is hairdresser insurance important?

As a hairdresser, you’re always working on making people look their best. A hairdresser’s job is not easy  and involves long hours of standing, hours of concentration and client management. In such a scenario, why add another burden worrying about whether or not you’re protected while doing your job? 

Mistakes or accidents can happen anytime and if your client holds you responsible, it could put everything you have worked for at risk.

Professional Indemnity insurance  is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients. You may still be required to get insurance even if you are working as a freelance hairdresser or barber.

What can hairdressers and barbers be sued for?

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

What limits are available with upcover?

You can get covered today with tailored hairdressers and barbers 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.

What occupations are covered under this hairdresser and barber insurance?

1. Hairdressing
2. Hairdressing service
3. Hairdressing service - mobile
4. Barber shop operation
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.
‍
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