AAMI offers cover for:
Hair and beauty
Hair and Beauty Insurance
Are you a beautician or a barber? A hairdresser or a nail stylist? If you’re a professional in the world of hair and beauty, AAMI Business Insurance can help you stay in business if things get messy.
Business
AAMI offers cover for:
Insurance for your hair and beauty business
You know glamour. We know salon insurance, hairdressing insurance, and beauty insurance. Whether you operate from your own salon, out of your home, or run a mobile business, AAMI can offer you business insurance that won’t go out of style.
Hair and beauty
business insurance cover
Customise your cover
What sort of events are covered?
AAMI’s Public and Products Liability can help with a range of events that are common to hair and beauty businesses, such as:
These are just a few examples. Check out the PDS for the broad range of events that are covered.
Policy document downloads
Product Disclosure Statement (PDS)
Treatment risks
Coverage for some hair and beauty treatments
It’s important to know what you’re covered for. So, below is a list of some treatments we cover, along with a few we don’t. This list isn’t exhaustive, so if you’re wondering about a particular treatment you perform, give us a call on 13 22 44.
We can cover
We can’t cover
What am I covered for?
Your Liabilities
Showing of
Included
Public & Products Liability
Covers you for compensation costs you might be liable for if your business is responsible for personal injury or property damage
Your Assets
Showing of
Optional Extra
Property Damage
Covers property damage caused by insured events like fire, lightning and explosion.
Optional Extra
Glass
Covers you for the loss of - or damage to - glass windows, signs and showcases at your business premises.
Optional Extra
Theft
Covers you for the loss of your contents and stock from theft, attempted theft, armed hold up, or an actual or threatened assault.
Optional Extra
Portable and Valuable Items
Covers you for tools such as styling equipment, or other items like your laptop computer that you carry around with you while you’re working.
Optional Extra
Commercial Motor
Commercial Motor
- Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
- Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.
- Legal Liability provides cover for damage to third party property only.
Your Finances
Showing of
Optional Extra
Money
Covers you for loss of - or damage to - your business’s money from things like theft, armed hold-up or fire. The money may be in transit, at your premises, or in custody at a private residence.
Optional Extra
Back In Business
Covers you for a reduction in your business revenue caused by damage to your property in an insured event.
Optional Extra
Tax Probe
Covers you for the professional fees incurred if your business’s financial or tax affairs are audited by an authorised authority
Business Insurance
Learn more about how AAMI helps businesses like yours
Showing 3 of 4 articles
Showing 2 of 4 articles
Showing 1 of 4 articles
Public liability insurance may seem to be expensive for small business owners. Make sure you have the right coverage by knowing your options and getting a custom quote for your business.
AAMI gives you some great tips if you're keen to run a business from home. But first, make sure you've got the correct insurance cover in place.
Finding time for friends and family is the eternal goal of any business owner. Explore how to juggle business responsibilities and a social life.
Take control of your account
Jump online any time to request your certificate of currency, make a claim, renew your policy, and read your policy docs.
Business Insurance
Frequently Asked Questions
AAMI can offer coverage for a range of beauty treatments. You can find out more, or call us on 13 22 44.
AAMI Business insurance can cover your business activities when conducted in your home salon. As an example, if you insure your home salon under the AAMI Business@Home product and you accidentally leave on your hair straightener which starts a fire, we will pay a claim to repair the damage. Give us a call on 13 22 44 to find out more.
We can cover your business stock needed to run your home salon. Get a quote online, or call us on 13 22 44.
No. AAMI can cater to the needs of mobile hairdressers with Public and Products Liability coverage, along with a range of other options. Get a quote online, or call us on 13 22 44.
Details of how to lodge a claim can be found on our Claims page.
^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. Refer to the PDS for details.
Imposed taxes
I have been informed that I need to pay more tax. This is not covered.
Failure to Lodge
I did not lodge my tax return. This is not covered.
Dishonest Tax return
I did not include my cash jobs in my tax return. This is not covered.
Superannuation Guarantee
I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.
Payroll tax Audit
I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.
GST Audit
I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.
Short power outage
The power went out for a day and I could not operate. This is not covered.
In Liquidation
I have gone into Liquidation and I am losing money. This is not covered.
Bankruptcy
I have gone into Bankruptcy and I am losing money. This is not covered.
Storm
My ceiling collapses in a storm and I can not see my clients.
Impact
A truck impacts my salon and I can not see my clients.
Fire
My Salon has a fire and can not trade.
Taken by staff
My employee steals my business money. I would need management liability for this.
Accounting errors
My till was short at the end of the day. This is not covered.
Carrying Money
I am held up on my way to the bank and my business money is stolen.
Money at home
My house is broken into and my business money is stolen
Money in a Safe
My salon is broken into and my business money stolen from my safe.
Money from premises
My salon is broken into and my business money is stolen from my till.
Wear and Tear
The original paint on my vehicle has faded. This is not covered.
Loss of income
I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit.
Deliberate Damage
I intentionally damaged my own vehicle. This is not covered.
Flood
Flood waters have damaged my parked vehicle.
Theft
Someone has stolen my locked vehicle.
Uninsured third party
My comprehensively covered vehicle is crashed into by someone else.
Storm
A storm has caused hail damage to my vehicle.
Damages by employees
My employee has reversed my vehicle into someone else's vehicle.
Malicious Damage
Someone has keyed my vehicle.
Unlocked Vehicle
I left my car unlocked and my laptop was stolen. This is not covered.
Wear and Tear
I have scratches on my laptop screen and I need to have it replaced. This is not covered.
Theft of items
My Laptop has been stolen from my locked vehicle and I need a new one.
Damage caused by Accident
My mobile phone is dropped and damaged and needs to be replaced.
False credit cards
A customer pays for their treatment with a fake credit card. This is not covered.
Money
My salon is broken into and my business money is stolen from my till. I would need to take the money section to cover this.
Shoplifting
A customer received a treatment and left without paying. This is not covered.
Temporary Protection
I have a break in and I can not lock up my salon.
Break and enter
I have a break and enter at my Salon and my stock is stolen.
Wear and Tear
My glass counter top has scratches from customers putting things on it. This is not covered.
Light fittings
When moving furniture I have knocked a light fitting and it has broken. This is not covered.
Computer screen
I have cracked the screen on my laptop. This is not covered.
Glass Signs
My glass sign is broken during a storm.
Accidental Breakage
My ceramic wash basin accidently breaks.
Malicious Damage
Someone throws a stone through my shop window.
Loss of income
Covers you for a reduction in your business revenue caused by damage to your property in an insured event. This is not covered.
Maintenance
My shampoo chair needs to be serviced. This is not covered.
Wear & Tear
My old chairs are starting to tear on the seat and they need to be replaced. This is not covered.
Impact
A truck drives into my salon causing damage to my stock.
Leaking Water Pipes
My sink pipe breaks and causes water damage to my contents.
Storm Damage
My ceiling collapses under the weight of storm water and my salon equipment is damaged.
Accidental Damage
My office computer is knocked off the desk and needs to be replaced.
Malicious acts
Thieves break in and damage my salon equipment.
Fire
An electrical fault causes a fire and destroys my salon equipment.
Flood
A flood causes damage to the floor of my salon.
Slips and Trips
My customer slips on the hair on the floor.
Treatment Risk
My customer has an allergic reaction to the treatment I have performed.
Product causes injury
My customer has an allergic reaction to the product I have used.
Work causes damage
I have spilt hot wax on my customers clothing and phone.
Injury at my premises
A customer is injured when my shelving falls on them.
Vehicles
I have an accident in my work vehicle driving to see a client. I would need a motor policy to cover this.
Commercial Motor
- Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
- Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.
- Legal Liability provides cover for damage to third party property only.
Hair and beauty
AAMI offers cover for:
Business
AAMI offers cover for: