Hair and Beauty Insurance

Whether you have your own salon or run a mobile hair and beauty business, GIO Business Insurance can help you stay covered.

Overview

Levels of cover

Public and Products Liability cover

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.

Portable and Valuable Items

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Commercial Motor Vehicle

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

Tax Probe

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Mobile Business Protect

Cover for self-employed hairdressers, make-up artists and mobile beauty treatment technicians who visit clients and the premises of other business owners.

 FOR A COMPLETE LIST REFER TO THE PDS

Public and Products Liability cover

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.

Portable and Valuable Items

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Commercial Motor Vehicle

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

Tax Probe

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Property Damage

Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Theft

Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.

Glass

Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.

Money

Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.

Equipment Breakdown

(Not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.

Management Liability

(Not available online)

Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.

Personal Accident & Illness

(Not available online)

Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule.

There are 2 types of cover:

  • Accident only
  • Accident & Illness

Which hair and beauty treatments are covered?

With so many hair and beauty treatments available, it’s important to know what your insurance covers.

Mobile Business Protect and Business Protect include cover for when a customer:

We cover

  • is injured after slipping on cut hair
  • is cut with nail scissors or a nail file
  • has an allergic reaction to a product or treatment
  • has hot wax spilled on their phone, or
  • is injured by a shelf falling.

We don’t cover

  • Plastic surgery
  • Face lifts
  • Botox injections
  • Collagen injections
  • Permanent body tattooing
  • The removal or attempted removal of warts, moles or other growths, or hair therefrom
  • Solarium tanning

 

The above lists are not exhaustive. To find out if a specific treatment you perform is covered, give us a call on 13 10 10.

What is insurance for hair and beauty?

GIO’s Business Insurance is suited for a wide range of salon, hairdressing, and beauty businesses, including:

  • hair salons & barbers
  • home & mobile hairdressers
  • beauticians
  • nail salons & manicurists, and
  • make-up artists.

Depending on the policy you choose, GIO Business Insurance can cover either mobile businesses or those working from fixed premises for things like hair salon tools or equipment and public and products liability claims.

Existing Customers

Need your Certificate of Currency?

Request a copy and we’ll send your Certificate to you via email.

BUSINESS INSURANCE

Why GIO

Reasons to choose GIO Business Insurance

24/7 claims

Fast and easy claims lodgement process

Pay by the month

Pay monthly at no extra cost to help with your cash flow

Established in 1927

GIO has been helping customers for over ninety years

Phone support

Call 13 10 10 for product and service support.

FAQs

People also ask

Start now

After entering your details, our application will determine a range of covers that are available for
your business.

Get a quote

Looking for more detail?

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. The information provided is intended to be of a general nature only and doesn’t take into account your particular objectives, financial situation or needs so you should consider whether it is appropriate for you before acting on it. We do not accept any legal responsibility for any loss incurred as a result of reliance upon it – please make your own queries. Conditions, exclusions and limits apply. Consider the Product Disclosure Statement before making a decision about this insurance. The Target Market Determination is also available.

Public and Products Liability cover

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.

Portable and Valuable Items

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Commercial Motor Vehicle

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

Tax Probe

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Property Damage

Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Theft

Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.

Glass

Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.

Money

Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.

Equipment Breakdown

(Not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.

Management Liability

(Not available online)

Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.

Personal Accident & Illness

(Not available online)

Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule.

There are 2 types of cover:

  • Accident only
  • Accident & Illness

Speak to a GIO Business Insurance consultant

Call us on 13 10 10.

Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.

View contact hours

Property Damage

Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Flood cover is not covered as standard. If requested, it may be added to your policy for an additional premium and subject to our underwriting guidelines. Not available online, please call 13 10 10 if interested.

Under the policy, "flood" is defined as the covering of a normally dry land by water that has escaped or been released from the normal confines of any of the following:

  • a lake (whether or not it has been altered or modified);
  • a river (whether or not it has been altered or modified);
  • a creek (whether or not it has been altered or modified);
  • another natural watercourse (whether or not it has been altered or modified);
  • a reservoir;
  • a canal; or
  • a dam.

GIO Business Insurance can cover certain water damage caused by circumstances other than those outlined above; for example, from a damaged water pipe. For more information, please read the PDS.

Theft

Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.

Glass

Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.

Money

Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.

Business Interruption

Provides cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.

Public and Products Liability cover

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.

Portable and Valuable Items

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Tax Probe

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Commercial Motor

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

Equipment Breakdown

(Not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.

Personal Accident & Illness

(Not available online)

Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule. There are 2 types of cover:

  • Accident only
  • Accident & Illness

Goods in Transit

(Not available online)

Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:

  • Specified perils: includes collision, fire and explosion
  • Accidental damage: includes specified perils and accidental loss or damage

Management Liability

(Not available online)

Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.