Hairdressing insurance
You bring skill, creativity, and care to every client, whether you're styling on the go, renting a chair, or contracting. Our professional liability insurance is designed to protect you, your reputation, and the tools of your trade. From your scissors to your clippers, we’ve got you covered so you can focus on what you do best.
Cover for public and products liability with treatment risk extension
Whether you're mobile, renting a chair, or working from home, this insurance is designed to support you as an individual professional, so you can focus on your craft with confidence.
Public and products liability insurance protects you if a client suffers an injury or property damage during a treatment, or due to a product you've used. Choose between $10M and $20M limits.
The treatment risk extension ($500K sub-limit applies) adds an extra layer of protection for services that carry higher risks, like chemical treatments, colouring, or scalp care.
Cover for equipment and extended treatment risk
Your tools are your livelihood, and we know that some equipment is highly valuable. This cover helps protect your gear from theft, accidental damage, or loss, whether you're working in a shared space or on the move. From scissors and clippers to straighteners, or your work-related phone.
Choose from $5,000 to $10,000 annually for equipment (with a $2500 per item limit).
If your equipment is damaged or stolen, this insurance helps you recover quickly without financial strain. It’s practical protection for the tools you rely on every day*.
Insurance for hair salons and barbershops
Specially designed business insurance for hair salons and barbershops.
Why choose Guild Insurance
Pay by the month at no extra cost
Insuring Australians for over 60 years
100% Australian owned
FAQs for hairdressing insurance in Australia
All hairdressers will need public liability as a minimum. For individual hairdressers (mobile hairdressers or those renting a chair in another salon), the Guild also includes treatment risk cover of $500k.
For larger hair salons and barber shops, we provide a complete business package policy which can include Professional Indemnity, Public Liability, building and contents cover, glass, money and business interruption cover.
The type and level of insurance cover you need for a hair salon or barbershop can vary depending on the size of your business, the equipment and machinery you have, your property type, and several other factors. If you are unsure it’s best to call and speak with one of our dedicated team on 1800 810 213.
Even as a mobile hairdresser or barber, you will still need to have your own public liability cover. This also applies if you rent a chair at someone else’s salon.
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.
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.
Yes, we can quote $10m or $20m limits for professional indemnity. You may want to consider this if you run a large salon, or work on contracts where your professional negligence could cause significant financial loss to your client.
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 a hair salon or barbershop. 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.
*Coverage excludes mobile phones, laptops/computers.
