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    Hair & Beauty Insurance

    Citycover is a leading insurance broker for the Hairdresser and Beauty Therapist Industry. We offer tailored packages to suit individual business needs.

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  • 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 Specialists.

    Treatments covered under the Citycover policy include: Hairdressing and Colouring, Facials, Massage, Makeup, Eyebrow Waxing/Tinting, Eyelash Tinting, Cosmetic Tattooing, Cellulite Treatments, Spray Tanning, Aromatherapy, Body Piercing, Body Wrapping, Energy Balancing, Epi-dermabrasion, Diathermy, Laser Treatments, Electrolysis, IPL/VPL Treatment, Treatment, Manicures and Pedicures, Body Waxing, Steam Treatments, Sugaring, Acid Peels, Hydrotherapy,  Threading, Acupuncture, Teeth Whitening 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.

    • Glass Cover

      Total replacement costs to damaged/broken glass

    • General Property

      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.

    • Money

      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.

    • Tax Audit

      This covers the preparation expenses in the event the ATO conduct a tax audit on your business

  • Why Us?

    This Hairdresser and Beauty Therapist Insurance policy is very competitive and exceptional value for all sized businesses, tailored to suit your needs.

      • Full Accidental Damage cover
      • Nil excess on all situations except Liability
      • Specialist broker for the hair and beauty industry
      • Market Leading Claims Service which is 24/7
      • Cover for free advice (such as Hair Colouring)
      • Tailored to your individual business
      • Competitive rates
      • Premiums priced competitively as this is an Australian Wide scheme
  • FAQs

    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.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Managing Director

      Stewart Harker

      Director

      Daneille Crawford

      Senior Insurance Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Jake Nelson

      Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Nicole McHardy

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

      Gayle Herriman

      Claims Services Manager

      Samantha Gill

      Claims Adviser

      Tracy Livesey

      Insurance Adviser

      Alanna Keleher

      Insurance Adviser

    • 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.

      Leanne D
      26th October, 2017