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.
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
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
We don’t cover
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:
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.
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
We’ve been a trusted insurer for over 95 years
Phone support
Call 13 10 10 for product and service support.
FAQs
People also ask
Public Liability Insurance helps cover costs you’re legally liable for related to injury and property damage sustained by third parties — that is, anyone who isn’t an employee, manager or owner — in connection with your business activities.
So if someone’s injured or their property is damaged due to a business-related activity of yours — for example, they slip and hurt themselves, or break their phone — Public Liability Insurance can also help you deal with the legal costs associated with responding to or managing claims covered by your policy.
It depends on the needs of your business and whether you operate from a fixed location or your business is mobile. For example, if your business is within a shopping centre, you may find your rental agreement specifies $20 million public liability be covered, or certain kinds of insurance be included, such as glass cover.
Both Public and Products Liability cover are included in GIO Business Insurance policies, but there are some differences to note.
- Public Liability covers your legal liability to pay compensation for third party injury or property damage that occurs while you’re on the job. However it won’t cover employee medical expenses or damage to property or goods your business owns. These are respectively covered by workers compensation and Property Insurance.
- Products Liability covers your legal liability to pay compensation for injury or damage caused by products you sell, supply, or manufacture. For example, a customer burning themselves on a faulty hairdryer you sell them.
A treatment risk is a risk relating to injuries a client sustains as a result of treatments or products you provide. Although Public Liability Insurance policies don't cover claims arising from the conduct of professional services, treatment liability can help hair and beauty professionals cover costs they are legally liable for and which are related to legal claims that result from these injuries.
When you organise your Business Protect or Mobile Business Protect policy, we’ll help you arrange extension cover for treatment liability alongside your Public Liability Insurance. This ensures you’re covered for relevant hairdressing activities or products you provide.
Both Business Protect and Mobile Business Protect include Portable & Valuable Items insurance, which covers portable equipment and tools. This includes things like:
- hairdryers and hair straighteners
- hair styling tools, and
- spray tan machines.
You have the option of selecting an unspecified sum insured (up to $2,500 per item) or a specified sum, which allows you to list individual equipment at a specified value.
Business Protect also includes Equipment Breakdown insurance, which covers the cost of repairing or replacing machinery and equipment you use at your business premises when it accidently breaks down. This includes any direct loss or damage to your business premises as a result of the breakdown. This includes things like:
- computers, point of sale [POS] equipment
- air conditioning and/or electronic equipment, and
- heating or refrigeration equipment.
Start now
After entering your details, our application will determine a range of covers that are available for
your business.
^The content on this page in respect of flood cover under the property damage section applies to policies with a start date on or after 7 December 2023. We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Cyclone damage within 72 hours of commencing the policy is also not covered. Limited exception. Refer to the PDS for details.
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 flood, fire, storm, 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.
Property Damage
Cover for your building, business contents, stock or specified items for events such as flood, fire, storm, 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.
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.
