Hair Salon & Barber Insurance

Yes. Treatment liability cover protects against claims from clients who suffer allergic reactions to hair colour, bleach or chemical treatments. Insurers expect salons to conduct patch tests prior to colour services and maintain documented client consultation records. These practices are both a regulatory expectation and a key factor in defending liability claims.

Yes. Commercial property cover protects the salon fit-out including styling stations, wash basins, custom joinery, flooring, mirrors and signage against fire, storm, flood, vandalism and other insured events. Ensure your sum insured reflects the current replacement cost of the full fit-out, including installation and plumbing.

Commercial property cover pays for damage to the fit-out, flooring, equipment and stock caused by burst pipes, leaking basins or blocked drains. Business interruption cover replaces lost revenue while repairs are underway. Water damage is one of the most common property claims for hair salons due to the extensive plumbing involved.

The core insurance structure is similar, but the risk profile differs. Barbershops using straight razors face specific liability exposure around cuts and blood-borne pathogen risks. Salons offering chemical treatments face higher treatment liability from colour reactions and chemical burns. Shielded tailors the cover to match the specific services your business provides.

Yes. Stylists who rent a chair or booth and operate as independent contractors should hold their own treatment liability, public liability and professional indemnity insurance. Your salon's business policy covers the premises and your own operations, but may not extend to cover a chair renter's individual treatment negligence.

Leading commercial insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG all offer policies suitable for hair salons and barbershops. Each insurer rates salon risks differently based on treatments, location and claims history. Shielded compares options across this panel to find the best cover and pricing for your business.

Yes. Theft cover protects against loss of styling tools, electronics, product inventory and cash from break-in, robbery and employee dishonesty. Hair salons on high streets or in standalone locations are common targets for after-hours break-ins. Alarm systems and secure storage arrangements can help reduce theft premiums.

Commercial property insurance covers a wide range of property types including office buildings, retail shops, warehouses, factories, shopping centres, hotels, motels, restaurants, cafes, medical centres, child care centres, gyms, salons, laundromats, churches, petrol stations, mixed-use developments and more. Whether you own a single tenancy or a multi-storey complex, we tailor cover to match your property.

Premiums vary based on building value, location, construction type, tenant occupation and risk profile. A small retail shop may cost $1,500 to $4,000 per year, a standard office building $3,000 to $10,000, and a large warehouse or industrial property $5,000 to $25,000+. High-risk tenancies (restaurants, manufacturing) attract higher premiums. Request a free quote through Shielded for an accurate indication.

Commercial building insurance covers the physical structure including walls, roof, floors, fixed fixtures, common areas, car parks, fencing and services (electrical, plumbing, HVAC) against fire, storm, flood, impact damage, malicious damage, theft and accidental damage. It typically also covers demolition and removal costs, professional fees (architects, engineers) and compliance with current building codes when rebuilding.

If you own a commercial building and lease it to tenants, you need commercial landlord insurance. This covers the building structure, landlord's contents (common area furnishings, HVAC systems), public liability for common areas, loss of rental income if the building is uninhabitable after an insured event, and plate glass. Your tenants are responsible for insuring their own contents, stock and fit-out.

Loss of rental income (also called business interruption for landlords) provides replacement income if your commercial property becomes uninhabitable after an insured event such as fire, storm or flood. It covers the rental income you would have received during the repair or rebuild period, typically for up to 12 or 24 months. This is essential for property investors who rely on rental returns.

Plate glass cover is usually an optional add-on, not included in the base building policy. It covers the cost of replacing glass shop fronts, windows, doors, display cases and signage glass that is accidentally broken or vandalised. For retail properties with large glass frontages, this is an important cover to include.

Generally, the landlord insures the building structure, common areas and landlord's fixtures. Tenants are responsible for insuring their own contents, stock, fit-out, trade fixtures and their own public liability. Most commercial leases clearly define these responsibilities. As a landlord, ensure your lease requires tenants to hold adequate insurance and provide certificates of currency.

Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after damage occurs, documenting everything with photos, securing the premises to prevent further damage, and keeping records of all emergency repair costs.

We compare quotes from leading Australian commercial property insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz, AIG and others. The best insurer depends on your property type, construction, tenant occupation and risk profile. As brokers, we do the comparison work to find competitive and suitable cover for your property.

Review your policy annually at renewal, or whenever there are significant changes such as new tenants, renovations, extensions, changes in building use, or updated valuations. Building replacement costs increase over time – if your sum insured does not keep pace with construction cost inflation, you risk being underinsured at claim time. We recommend a professional building valuation every 3 to 5 years.