Nail Salon & Beauty Insurance

Yes. Treatment and products liability cover protects against claims from clients who suffer allergic reactions, burns, infections or other adverse outcomes from salon treatments. Insurers expect documented consultation procedures including allergy screening and informed consent for all treatments.

Yes. Laser and IPL machines can be insured under your salon's commercial property cover for damage, theft and breakdown. Treatment liability for laser and IPL procedures is also covered, though insurers may require operators to hold specific qualifications and follow manufacturer safety protocols.

Commercial property cover pays for repairs to the premises and fit-out, and replacement of damaged equipment, stock and contents. Business interruption cover replaces lost revenue and covers ongoing expenses during the closure period. Salon fit-outs with specialist plumbing and electrical work can take several months to reinstate.

If nail technicians operate as independent contractors rather than employees, they should hold their own treatment liability and public liability insurance. Your salon policy covers the business and premises, but may not extend to cover a contractor's individual treatment negligence. Employees are generally covered under the business policy.

Yes. Theft cover protects against loss of equipment, product inventory and cash from criminal activity including break-in, robbery and employee dishonesty. Beauty salons often hold significant retail product stock, so ensure your contents sum insured is adequate.

Leading commercial insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG all offer policies suitable for nail salons and beauty businesses. Insurers assess each business based on the treatments offered, equipment and claims history. Shielded compares options across this panel to find the best cover and pricing for your salon.

Cosmetic injectable treatments can be covered, but insurers typically require the practitioner to hold appropriate medical or nursing qualifications and operate under relevant regulatory frameworks. Treatment liability premiums for businesses offering injectables are higher than for standard beauty services. Declare all treatments to your insurer to ensure full cover.

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.