Austbrokers Comsure 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! Austbrokers Comsure can tailor an insurance package for occupations such as Hairdressers, Barbers, Day Spas, Nail Salons, Mobile Hair and Makeup Specialists.
Treatments covered under the Austbrokers Comsure 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, 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!
|Fire / Property Damage
|Burglary / Theft
|Business Interruption Cover
|Machinery / Electronic Equipment / Computer Breakdown
|Goods in Transit
This Hairdresser and Beauty Therapist Insurance policy is very competitive and exceptional value for all sized businesses, tailored to suit your needs.
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.
Yes. All insurance offered by Austbrokers Comsure 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.
Your equipment is only covered away from your main place of business if you insure it under the General Property section.
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.