Hair And Beauty Salon Insurance

Hair And Beauty Salon Insurance

    • Combined Liability Package
    • Meets requirements of NZ Association of Registered Beauty Professionals
    • Instant online purchase – no paperwork

Insurance for Beauty Salons

... your policy. Who needs Insurance for Beauty Salons? Beauty professionals of all types may need insurance to protect their beauty salon, nail salon, day spas, mobile salon and other beauty business. This includes but ...

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What Insurance do Beauty Salons Need?

... you're working with a tight budget, the thought of spending money for insurance coverage might make your hair stand on end! However, insurance for beauty salons could be more affordable than you think. It often helps to ...

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How to Market Your Hair Salon Business

... one-stop shop for providing beauty salon insurance in New Zealand. Jump online and compare quotes from some of New Zealand’s leading insurers today. The bottom line Starting a hair and beauty salon in New Zealand can be ...

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How to Start a Hair Salon Business

... your business with the right insurance Insurance for beauty salons and beauty professionals might want insurance to protect their small businesses. If you are just starting your hair salon business, you may want to ...

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Hair Salon Business Tips

... people love their hair. And a lot of trust ... and damage your clients, and you may be liable if a claim were made against you. This is why an important type of insurance for beauty salons is Professional Indemnity insurance ...

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What does business insurance cover

... toolbox contents quickly add up! Mobile beauty businesses – protecting equipment like hair straighteners, dryers, and required professional hair and beauty products Personal trainers and yoga teachers- insures items like ...

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Tool and Portable Equipment Insurance

... that may need Tool and Portable Equipment insurance to help protect their business: Allied Health Professionals Mobile beauticians and hairdressers- beauty and hair products, hair straighteners, curlers, make-up ...

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Insurance for Personal Trainers

... or advice given by you, as well as cover for accidental injury or damage to third party people and property. Business Insurance* If you take a moment to look at all the fitness equipment you own, it adds up pretty ...

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What is Public Liability Insurance?

... claim. Beauty Professionals - Including hairdressers, nail professionals, salon owners and more. ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self- ...

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Insurance by Industry

... NZ Find your occupation below Get Cover like No Other Insurance Coverage by Profession We cover 900+ occupations across NZ Find ... Architects & Designers Beauty Salons Bookkeepers Cafes and Restaurants Carpenters Cleaners ...

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Business Interruption Insurance

... this type of insurance include: Shop Owners Retailers Cafés and Restaurants Tradespeople and Landscapers Real Estate Agents Cleaners Beauty Salons Mortgage Brokers Travel Agents and Tour Operators Business Interruption ...

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Do I need Business Insurance

... many different types of businesses from cafes to gift shops, beauty salons and pet groomers. While your retail business will have its own unique business insurance needs, we've highlighted some of the typical reasons why ...

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Introducing Work From Home Insurance

... not be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE Janette W. The website was v easy to use. I could ...

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Understanding Employers Liability Insurance

... not covered by the ACC These are some claim examples of where Employers Liability insurance may provide cover: Occupational stress and mental injury Nervous shock or fright Heart attack or stroke caused by stress Disease ...

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Tradie Guide to Professional Indemnity Insurance

... your professional services. As such, it may prove very handy for your tradie business. Professional Indemnity insurance can come in handy and may be something to consider if you do have customers that rely on your advice ...

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Saving Hacks- Business Insurance For Tradies

... first took out your policy, spend some time when it comes to renewal time and check your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly affected by a business' size ...

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How much does Public Liability Insurance cost?

... the cost of your Public Liability policy include the location of your business, the inclusions and exclusions of your policy, and the insurance provider you select. To give you an idea, we have put together a snapshot of ...

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What does Public Liability Insurance Cover?

... to third parties where the ACC does not provide cover Legal and defence costs When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses from the financial impact of claims ...

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Public Liability Insurance

... to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents can happen at any time ...

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Tradies Guide to Business Insurance Packages

... helping you get the job the done daily. At BizCover NZ we can tailor your trade insurance to suit the specific risks and needs of your tradie business, no matter how big or small. BizCover helps tradie small business ...

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Insurance for Contractors

... or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. © 2022 BizCover Pty Limited, BizCover Limited is ...

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Insurance for Tradies

... a one-man band or have a hive of workers helping you get the jobs the done. Business insurance can be tailored to suit the risks and needs of your unique tradie business, no matter how big or small. Did You Know? Did you ...

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Insurance for Shop Owners

... needs to consider. Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on ...

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What is Business Insurance

... incidents can happen in a flash. A claim is the last thing you want to be faced with, and that's where Business Insurance can provide peace of mind. These are some of the typical reasons why you would consider Business ...

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Employers Liability Insurance

... are here to help you on Ph. 0508 249 268. * * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general ...

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Statutory Liability Insurance

... cost? There isn't a one-size fits all price when it comes to Statutory Liability insurance policies. Each and every business is different with its own exposure to potential risks. Factors like the number of staff ...

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Insurance for IT Professionals

... range of competitive prices right there on your screen. Built for small business We know insurance and what makes small businesses tick. And we understand what cover IT professionals need. So it's really a no-brainer! We ...

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Insurance for Immigration Advisers

... to your client. Want more information? If you would like to find out more about all things business insurance and small business-related topics check out our blog, full of useful resources- the perfect read for a tea ...

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Insurance for Consultants

... Consulting Service Thank you for all that you are Malakai T. Security Service (Except Police) Quick and hassle free insurance cover for small businesses. Kelvin C. Policy start date: could be clearer that weekends aren’t ...

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Insurance for Bookkeepers

... place. Get more information If you would like to find out more about different types of business insurance solutions and tips and tricks for different areas of your business, check out our blog. To get you started we've ...

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Insurance for Architects & Designers

... . Don't let the worry of a building blunder keep you awake at night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out a policy is as easy as the click of a ...

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Insurance for Real Estate Agents

... for in between open houses and inspections! Understanding insurance-part 2: Professional Indemnity insurance Ever wanted to ...

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Insurance for Allied Health Professionals

... allied health professional do I need both Professional Indemnity and Public Liability insurance? Professional Indemnity insurance and Public Liability insurance both cover very different risks that may impact your allied ...

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Insurance for Accountants & Tax Agents

... by the ACC) resulting from you going about your business. What is typically covered? Public Liability insurance for Accountants and Tax Agents commonly covers: Damage to a third-party's property Damage to a third-party's ...

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Insurance for Travel Agents and Tour Operators

... listed in the wording, anywhere in New Zealand. Get more information Learn more about all things business insurance and business related with our library of blog articles. We cover a broad range of topics from learning ...

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What is Professional Indemnity Insurance?

... to make your debut in front of the judge, make sure it's not costing you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when you're in the business of providing ...

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Insurance for Recruitment Consultants

... ongoing expenses (such as wages or rent). Get more info If you're looking to expand your business and insurance knowledge, look no further than our BizCover Blog, full of insightful articles that are the perfect reading ...

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Insurance for Plumbers

... your work may take you. Get more info If you'd like to find out more on all things business insurance and some tips to help your plumbing business, these are some articles that are perfect reading material for your smoko ...

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Insurance for Painters

... some major dramas- something no small business owner wants to deal with. Fortunately, there's an insurance for that- Tool and Portable Equipment cover. It provides cover plumbing tools for loss of or damage to items such ...

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Insurance for Cleaners

... personal asset risk if things go pear shaped. What kind of cleaning businesses need business insurance? The reality is, if you are out and about cleaning your client's property, whether it is a small domestic clean or a ...

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What Insurance Policies do Yoga Studios Need?

... your studio to even greater heights! BizCover is ready to help you find insurance for yoga teachers and studios! Compare and buy policies online and get instant coverage. Let's start now! This information is general only ...

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Tradie Guide to Public Liability Insurance

... be a mandatory requirement in order to obtain your trade licence. You may need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured as a result of your work ...

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Insurance For Cafes and Restaurants

... food business is different. That's why there isn't a blanket price when it comes to business insurance for restaurants and cafes. When calculating the price of your policy, there are some factors which are used to help ...

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Insurance for Hairdressers

... a freelance hairdresser or own a hairdressing salon, you will need tailored insurance products to cover specific risks. Did you know? Adverse reactions to hair products and treatments are some of the most common forms ...

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Reviews related to Hair And Beauty Salon Insurance

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • Great service, quick and easy to apply

    Fiona Morrison

  • Prompt and efficient

    Helena Coolen

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.

    Ness Macdonald
    Allied Health

  • Informative and timely.

    Nicola Dunham
    Allied Health

  • Helpful and friendly

    Doreen O'Sullivan
    Allied Health

  • Excellent and efficient

    Angela Paul
    Allied Health

  • Very easy process, prompt and competitive quote, would recommend to associates

    Wayne Smith
    Architecture & Surveying

  • Fast and reliable! Good customer service!

    Joem Baldesco
    Architecture & Surveying

  • It was easy and fast to attain.

    Jason Te Kare
    Consultancy Occupations

  • Easy to understand and purchase, great experience

    Greg Campbell
    Consultancy Occupations

  • Answered all my questions, helpful, and followed up my online enquiry efficiently.

    Jan Broadley
    Consultancy Occupations

  • Fast efficient and user friendly

    Brett Stansfield
    Consultancy Occupations

  • Easy to purchase. Good follow up and email reminder. Price Is good.

    Gabriel Molina

  • I recommend bizcovers simple and straightforward system for obtaining professional insurace online

    Alison Davies
    Consultancy Occupations

  • Easy and affordable. Friendly customer service rep.

    Ian Leader
    Consultancy Occupations

  • The person assisting me was helpful and called back when he said he would

    Consultancy Occupations

  • Was an easy experience to update and re new policy

    Jamie Ewen
    Information Technology

  • Real easy to renew your cover and they email you a reminder.

    Joseph Caldwell
    Information Technology

  • Online, easy and cost effective

    David Ball
    Information Technology

  • So darn easy to set up and at a reasonable price

    Kirsty McIntosh
    Information Technology

Why do Beauty Salons need it?

While you’re in the business of making clients look and feel their best, BizCover is in the business of providing the foundations of your insurance. Access competitive insurance quotes with the click of a mouse or a quick phone call away. Purchasing insurance doesn’t need to be time consuming or complicated. Simply select your preferred policy and in the bat of an eyelash you can be covered instantly.

Did you Know?

To be a member of The New Zealand Association of Registered Beauty Professionals, it is compulsory to hold Professional Indemnity insurance.

Insurance for Beauty Salons

Professional Indemnity

The joys of being a beauty professional are having your clients seek your expert advice and treatments, expecting nothing but the best. As careful and vigilant you may be, the unfortunate reality is that things can and do go wrong.

A compensation claim made against you not only has the potential to financially devastate your business, but it can turn your reputation into an ugly mess – and not the type a tad of concealer can fix.

Professional Indemnity Insurance is designed to protect your business against claims for negligence or professional misconduct. It protects businesses against the following financial losses:

  • Settlements and court costs
  • Legal and defence costs
  • PR costs

Public Liability

When you picture a beauty salon, a zone of relaxation and rejuvenation is normally what comes to mind – not a place for potential accidents and property damage to occur. The unfortunate reality is that accidents do happen, and damage can be expensive to fix.

Public Liability Insurance provides peace of mind against claims made against you by third parties for property damage, and personal injury or death, in circumstances that are not covered by the Accident Compensation Commission (ACC)). It’s also a likely requirement by your landlord if you lease your business premises.

Business Insurance

Whilst your customers are vital to your business, so are your contents, stock, equipment and your building if you own it. Protecting the important things, like your beauty equipment, against any unforeseen events means you can get back to business in the wave of a mascara wand.

Business Insurance can include cover for the following:

Contents and Stock: protect your salon’s contents and stock from events such as burglary, theft and loss or damage caused by fire and other perils.

Building– consider Building cover when you own the building which your salon operates from. Wake up free of dark circles knowing your building is insured for repairs to damage or rebuilding if you were to suffer an insured event, like a fire, storm or earthquake (if you have taken out the earthquake option).

Portable Equipment: if you operate your beauty salon on the run, Portable Equipment cover provides protection for your equipment and stock if it is lost, stolen or damaged anywhere in New Zealand.

Business Interruption: how would your business survive if it had to close your salon doors for a few days or even longer due to an insurable event? Without client appointments, that’s a lot of lost income you need to makeup.

Business Interruption covers lost income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.

Who needs Insurance for Beauty Salons?

Beauty professionals of all types may need insurance to protect their beauty salon, nail salon, day spas, mobile salon and other beauty business. This includes but it’s not limited to:

  • Hairstylists and Barbers – Your work is a cut above the rest, but mistakes and accidents can happen to the best of us. Business insurance can help hairstylists and barbers protect their professional reputation and livelihood.
  • Colourists – Insurance cover is available to help you prepare for the many shades of risk you might face as a professional colourist.
  • Nail Technicians – Worried about protecting your small business? Nail technicians can file their troubles away thanks to the peace of mind that insurance can bring.
  • Make Up Artists – Let’s face it—anything can happen when you’re running a small business! The right insurance cover can help make up artists manage common risks they might face as a beauty professional.
  • And many more!

Protect your business today.

3 things to ask yourself when buying insurance

  1. Does the policy cover all your areas of work? Make sure you check your policy for any exclusions or limitations. Your policy many not cover all of your business activities if they are not standard, for example, piercings, tattoo removal and Botox injections.
  2. What kinds of risks does my salon present? If you are renting your beauty salon space, check if your landlord requires you to have a particular level of Public Liability cover.
  3. How much would it cost to replace your stock, contents and salon equipment if it was lost, damaged or stolen? Take the time to calculate the value of the crucial things you rely on every day to keep your salon in the beauty game. It usually amounts to more than you think.


Is insurance required for beauty professionals?

Some types of insurance are mandatory for beauty professionals, such hairstylists, nail salon owners, and make up artists. Others might not be required, but could still be nice to have—just in case.

Professional Indemnity insurance is compulsory for all members of the New Zealand Association of Registered Beauty Professionals. This type of insurance policy helps protect your professional reputation against claims of negligence or professional misconduct made by clients.

Public Liability insurance may be required by your commercial landlord to lease your business premises. In these cases, you’ll likely be asked to provide proof of insurance before signing a lease.

Even if a type of insurance is not required to do business, if you are at risk, it might be good to have protection in place. Insurance for your stock, portable equipment for mobile salons, and the other things you need to run your business smoothly can be helpful if unforeseen events threaten to close your beauty business.

What insurance do nail salons need?

Nail salons may need different types of insurance to protect their professional reputation, customers and clients, and other part of their business.
Nail salon and mobile salon owners might consider:

  • Professional Indemnity – This covers you for third-party claims of alleged or actual negligence related to your professional services or advice.
  • Public Liability – This covers you if a client or customer alleges that an injury or property damage or personal injury (not covered by the ACC) was caused by your negligent business activities.
  • Business Insurance – This is an insurance package that can include different types of cover to help shield your small business from everyday risks. Business Interruption, Equipment Breakdown, and Theft are examples of the types of cover that can be included.

How much does insurance for beauty salons cost?

Just like the haircuts, manicures, and looks you create, every beauty salon is unique. Your insurance premiums will probably differ from other salons and beauty businesses, even those just down the road.
Some factors that can influence your insurance premiums include (but are not limited to):

  • The work you do
  • Where your salon is located (or the area where you work, for mobile salons)
  • Who is being covered (i.e., just you, or you and your employees?)
  • Your business’ annual revenue and turnover
  • How much cover you need or want
  • Your history of past insurance claims

These factors (and others) are used to help calculate how much you’ll pay for insurance. To better understand the amount you can expect to pay, it may be wise to compare quotes from two or more insurers. This can also help you find cover that fits your unique needs as a beauty professional.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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