Insurance for hair salons and barbershops
You bring style and confidence to your clients every day, we bring insurance that keeps your business just as sharp. Whether you're running a buzzing barbershop or shaping stunning looks in your salon, our tailored coverage protects your reputation, livelihood, and the business you’ve built.
It all started with a haircut
In 1961, a South Australian hairdresser found herself in a nightmare—one of her customers had slipped in her salon and was threatening to sue. Without public liability insurance, she faced serious financial trouble. When pharmacist Alan A. Russell OBE heard her story, he realised that many small business owners, including hairdressers and barbers, were left exposed to similar risks. Determined to help, he took action, and in 1963, Guild Insurance was born. Today, we continue our mission of protecting hair salons and barbershops with tailored insurance designed to keep businesses covered so you can focus on making your clients look and feel their best.
Coverage that speaks volumes
When you insure with Guild, you can select the covers you need and enjoy a range of benefits. Get the peace of mind that comes with a robust all-in-one insurance package solution. We make it easy to bundle the essential covers for your hair salon or barbershop, ensuring you're fully protected.
Accidental damage cover for your business property and contents
Professional indemnity cover up to $20m
Public liability cover up to $20m
Business interruption cover
Theft cover
Money cover
Employee dishonesty cover (optional)
Cover for specified items, including high-value pieces of business machinery
Glass cover
Flood cover
Management liability cover
Personal accident cover
Tax audit cover
Reinstatement cover
Machinery and electronic equipment breakdown cover
Commercial motor
What's covered and what's not
You're covered for
- A customer slipping on cut hair and being injured
- Accidentally cutting a customer with scissors during a haircut
- Thieves break in overnight and steal expensive equipment
- A shelf falling and injuring a customer
- A styling chair collapses while a customer is seated, causing injury
- A customer getting an infection due to unsanitized equipment
- An allergic reaction to a product or treatment
- Spilling hot wax on a customer’s phone
- A burst pipe floods the property, causing damage to flooring
- A power surge damages electrical equipment
You're not covered for
- Facelifts
- Laser hair removal or IPL treatments
- Lip fillers or dermal fillers
- Collagen or botox injections
- Any procedure requiring a medical prescription
- Permanent body tattooing
- Plastic surgery
- The removal of warts, moles or other growths, or hair
How much can a claim cost?
Property
claim
A pipe had burst in the treatment room at the front of the property, causing water damage and requiring immediate repairs.
Claim paid:
$78,000
Public liability
claim
A customer was sitting on a chair inside the premises. They reached for an item on the counter, fell off the chair, sustaining a fractured coccyx and aggravation to pre-existing conditions.
Claim paid:
$600,000+
Professional indemnity claim
Sometime after a treatment, the business owner received a letter from lawyers alleging that a customer suffered an adverse reaction to the treatment.
Claim paid:
$80,000
Theft
claim
Theft of a Professional Scissor Set by an unknown culprit.
Claim paid:
$1,500
To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.
Why choose Guild Insurance for your business
Pay by the month at no extra cost
Insuring Australians for over 60 years
100% Australian owned
FAQs for hair salon and barbershop insurance
Professional Indemnity and public liability provide cover for treatment risk and injuries to others. You can also cover your building, contents, glass, money and business interruption cover on the same policy with Guild.
If you are unsure about what you require, one of our dedicated team can assist you.
Treatment risk is covered by the Professional Indemnity part of the policy. An example would be when someone has an adverse reaction to a treatment you have provided, such as an allergic reaction to a hair dye. Another example could be hair dye or product running into someone’s eyes causing injury, or being cut by scissors.
This is when someone is injured on your property, for example if they slipped on hair and sustained an injury. It also covers damage to third party property, such as your sign blowing over on the pavement and damaging a car, or spilling dye on someone’s jacket.
You will still need to have Professional Indemnity and Public Liability cover if you will be working from your home or other people’s homes.
Not just an insurance policy
Risk articles with RiskHQ
You can visit RiskHQ at any time to read up about the unique risks you face as an exercise professional. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your fitness centre, and much more.
Are you prepared for a power outage?
Power outages are unfortunately becoming a somewhat common occurrence in parts of Australia. The threat of heatwaves, and therefore higher than usual demands on power, means that power outages are a real threat to many businesses over summer.
