Skip to main content

Hair & Beauty

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

Why is this cover important?

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!

Call us on 1800 122 194 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 Austbrokers Comsure 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.
Industry Specific Tailored Solutions. I.e. 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
Industry Specific Tailored Solutions. I.e. 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
Industry Specific Tailored Solutions. I.e. 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

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 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.

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 Austbrokers Comsure in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.