Insurance for Beauty Business

Instant insurance for beauty professionals. Combines professional indemnity, public liability and products liability insurance. Tailored business insurance for the beauty industry.

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You’ve got it made. Protect it with upcover's beauty business insurance

You've got the midas touch, and you've been honing your beauty therapist skills for years.
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With upcover's insurance for beauty business, you can now perform beauty treatments, work on the latest spa treatment, eyebrow shaping technique or give a new bounce to your client's hair with certainty that you have the protection you need, all at affordable prices!

The beauty salon business insurance we offer includes tailored coverage to meet your business needs at affordable prices.

Get the best of both worlds!

With upcover's business insurance for beauty salons, you can now buy both professional indemnity and public and products liability at an affordable combined price - with added benefits too.
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Select from public and products liability insurance limits of up to $20m and professional indemnity limits of up to $10m.

Whether you run a full-service beauty salon, a mobile hairdressing business, or a boutique spa, the small beauty business insurance we offer ensures you stay protected.
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WHO WE COVER

It's quick, it's easy, it's upcover

With upcover, protecting yourself and your work is as easy as checking who's next on your appointment list.

Public and products liability and professional indemnity insurance are available from $340 per year*
Beauty therapists & Beauty salons
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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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*This is based on an NSW business - a non-public company with average annual revenue of $100,000 and looking for an insurance cover of $10m in public liability and products liability and $1m in professional indemnity insurance with the Healthcare Professionals Civil Liability insurance policy. Please note that some occupations, such as Cosmetic Tattoo Artist insurance prices may start from $490

Protect what you've perfected over years of hard work!

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice related complaints.

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PROTECTS you for

How does this insurance protect beauty professionals?

upcover offers insurance that blends professional indemnity and public & product liability insurance, offering you tailored insurance solutions for beauty professionals at affordable prices

Professional Indemnity Insurance for beauty professionals (Limits up to $10m)

However qualified, mistakes happen to the best of us.

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

Injuries

You're a nail technician, and despite following all hygiene protocols, a client develops an allergic reaction due to a contaminated tool. Beauty salon insurance could cover claims arising from such incidents.

Bad advice

As a beauty therapist, you recommend a skincare treatment that unintentionally leaves scarring on a client’s face. The business insurance for beauty industry could help to safeguard against such claims.

Negligence

While performing an eyelash tinting procedure, you accidentally damage a client’s lashes just before their wedding day. Beauty salon business insurance can provide coverage for these situations.

Public & Products Liability insurance for beauty professionals (Limits up to $20m)

Public liability insurance protects your beauty business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your beauty business for products supplied or sold by you to a third party. This might be a claim arising from a faulty beauty product or a product that injured someone.

With upcover’s business insurance for beauty salons, you can focus on what you do best, making your clients look and feel amazing.

Third Party Injuries

A person delivering hair products trips over a plugged-in hairdryer cord at your beauty salon and injures their knee.

Property Damage

Working as a mobile beauty therapist, you accidentally damage a client's floor tiles with some chemicals during a home visit.

Faulty Products

Because of a bad batch of a moisturizer you usually resell, a client buys it from your salon and breaks out in rashes.

Get your certificate of insurance in a matter of minutes!

Whether you need beauty insurance to win clients for your business or to get that hairdresser job, 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 one click!

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COMING SOON

Other insurance requirements of a beauty professional?

Equipment insurance

Your fitness business depends as much on having the right equipment as it does on your skills and prowess. Getting your equipment ready is an expensive and time-consuming process. Having done that, you want to ensure it's protected and that your investment remains safe. This is where equipment insurance comes into play.

This insurance protects your equipment - owned, rented or borrowed.

Cyber Liability Insurance

If you have personal or sensitive information of your clients, you might also want to look at cyber liability insurance. Cyber liability insurance provides coverage from losses due to a cyber-attack event and legal protection from claims arising out of a cyber breach.

Business package insurance

Business package insurance is aimed at business owners and is a comprehensive solution that protects owners against some of the main risks in running a business.

Personal Accident and Illness Insurance

Personal accident and illness insurance comes in handy for times you cannot work owing to an injury or illness.  

While professional indemnity covers you for mistakes made in a professional capacity, personal accident and illness insurance helps with loss of income for periods you can't work.
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FAQs

You Ask, We Answer

What beauty occupations are covered under Allied Health Professionals Insurance?

The following occupations are covered under insurance for beauty business:

1.  Barber
2. Beauty salon operation
3. Beauty therapist (Non-AHPRA regulated)
4. Cosmetic tattoo artist
5.  Hairdresser
6.  Hair removal & Eyebrow shaping
7.  Make-up artist

What other kinds of activities are covered under Beauty Salon Business Insurance?

Some of the activities covered under our business insurance for beauty industry include:
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1.    Acid or chemical peels up to a strength of 40%
2.   Acid or chemical peels up to a strength of 60%
3.   Body Piercing (No genitalia and tongue)
4.   Body Wrapping
5.   Calendula Eye Baths
6.   Computer Digital Imaging
7.   Hair Styling Service
8.   Cosmetic Hair Restoration Service
9.   Curative Bath
10.  Spa Centre Operation
11.   Doula Dry Needling
12.  Dyathermy
13.  Ear Candling
14.  Electrical Epilation
15.  Electro Collagen Therapy
16.  Electro Proration Treatment
17.  ElectrolysisEpidermal Levelling
18.  Epilation Service/ Hair removal (no laser)
19.  Eyebrow Shaping/Threading/Tinting/Eyelash Extension/TintingFacials
20. Fat Reduction Laser/Galvanic
21.  Gua ShaHairdressing
22. Hairdressing Service - Mobile
23. High Frequency Facial
24. Intense Pulse Light (IPL/VPL)
25. Isolation/Floatation Tanks Operation
26. Laser Hair Removal
27. Light/Heat Therapy
28. Make-up ServiceManicure / Pedicure / Spa
29. Manicure Service - Mobile
30. Massage Service (Not clinical or therapy massage)
31. Mesotherapy
32. Microcurrent Treatment
33. Microdermabrasion
34. Microsclerotherapy/Micro sclerotherapy
35. Milia Extractions
36. Oxygen Therapy
37. Paraffin Wax Treatment
38. Pedicure Service
39. Radio and Ultrasonic Skin Treatments
40. Sauna (including Infrared)
41. Skin Needling
42. Spray Tan/Tanning (no solarium services)
43. Teeth Whitening
44. Therapeutic Massage Service/Waxing/Alkaline Hair Removal
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Activities covered for Barbers/Hairdressers: (listed alphabetically)

1. Barber Shop Operation
2. Digital Imaging
3. Hair Styling Service
4. Cosmetic Hair Restoration Service
5. Hairdressing
6. Hairdressing Service - Mobile

Activities covered for cosmetic tattoo artists: (listed alphabetically)

1. Cosmetic Tattoo
2. Micropigmentation Derma Therapy
3. Laser Tattoo Removal
4. Non-Laser Tattoo Removal

Activities covered for make-up artists: (listed alphabetically)
1. Makeup services
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”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com 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”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada 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 - 2025 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078