Why is this cover important?
Citycover’s Hairdressers and Beauty Therapists policy is a comprehensive product that includes a large list of treatments and activities.
Each salon is different, so why have the same cover!
Citycover can tailor an insurance package for occupations such as Hairdressers, Barbers, Day Spas, Nail Salons, Mobile Hair and Makeup and Eyebrow Feathering Specialists.
Treatments covered under the Citycover policy include Hair Cutting, Colouring, Massage, Eyebrow Waxing/Tinting, Cosmetic Tattooing, Cellulite Treatments, Spray Tanning, Aromatherapy, Body Piercing, Energy Balancing, Facials, IPL, VPL, Manicures and Pedicures, Body Waxing, Steam Treatments, Sugaring, Threading and many more…..
Your customers come to you because you are a specialist industry, people come to us because we specialise in the Hair and Beauty Industry!
Call us on (07) 3270 1500 for the full list.
Policy Cover Can Include
As a business owner there is nothing more important than having comprehensive business insurance as the risks increase. The policies available through Citycover can cover:
Fire / Property Damage
Damage to property (Building, Contents, Stock etc.) caused by Fire, Storm, Flood etc.
Burglary / Theft
Theft of property/stock.
Business Interruption Cover
Loss of income and increased expenses if you are unable to operate your business due to an insured event.
Total replacement costs to damaged/broken glass
Loss and/or damage to portable items/equipment whilst away from the premises.
Machinery / Electronic Equipment / Computer Breakdown
Repair or Replacement costs incurred following a sudden and unforeseen breakdown or fusion.
Loss of cash, cheques and/or negotiables.
Goods in Transit
Portable items and goods in transit cover available. Also available for mobile businesses.
Public /Products Liability
Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities and or products.
This covers the preparation expenses in the event the ATO conduct a tax audit on your business
This Hairdresser and Beauty Therapist Insurance policy is very competitive and exceptional value for all sized businesses, tailored to suit your needs.
Frequently Asked Questions for Hair & Beauty Insurance.
Does this policy extend to cover the business if someone rents a chair or room?
The public liability section of a policy automatically covers employees of your business. If you rent a chair or room to a third party, they are classed as a sub-contractor. Sub-contractors need to hold their own liability insurance and provide a Certificate of Currency to you to confirm they have cover.
Can I pay my premiums by the month?
Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.
Is my equipment covered away from my premises?
Your equipment is only covered away from your main place of business if you insure it under the General Property section.
What is “Underinsurance”?
Also known as the “Average” or Co-Insurance” Clause, Underinsurance is the result of nominating a value for an asset which is too low to actually replace it in the event it is lost or damaged.
Certain cover sections (Fire, Business Interruption – Income, and Electronic Equipment) contain the under-insurance clause. It is important to review the level of cover you have declared, as if the amount you have declared is too low, the insurer can apply a formula which limits their settlement to you for that loss. This can occur if you have declared less than 80% of the actual value of the risk/asset.
Many businesses unknowingly under-insure as they apply heavy depreciation to their assets or simply forget to include certain assets into their calculations.
Need to Claim?
The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.
Senior Insurance Adviser
Claims Services Manager
Senior Claims Adviser
- Leanne D
Nilima, I’d also like to express my appreciation for all the help you’ve given me both over the last few weeks and the last two years. I’m really happy to have someone of your calibre on my side.
26th October, 2017