As a hairdresser you’re making sure that you’re clients hair is looking top notch and is styled to perfection. The tasks involved in this can actually be quite dangerous when it comes down to it. However, in the heat of the salon, many hairdressers don’t realise this. Make sure you’re not underinsured, especially if you work from home or travel to your clients homes to cut, colour, or style their hair. Here are the top 4 insurance essentails for hairdressers.
Public Liability Insurance for hairdressers
From burning someone with a hair dryer or hair straightener, to dying their hair the wrong colour, to having a client trip up over a cord, and even spilling hair dye on a client carpet – you need to make sure you’re covered for third party accidents and property damage. Hence, if you are found liable for any of damages or injuries that occur to a third party or to third party property, your Public Liability Insurance will step in to help pay for it.
General Property
If you travel around for work or work from home, it’s important to protect your tools of the trade. Your appliances, colours and brushes are all items you cannot work without therefore it’s necessary to ensure they’re are protected and that you can easily afford to replace them if they are stolen or damaged. Protect them with General Property Insurance.
Personal Accident and Illness Insurance for hairdressers
Personal Accident and Illness Insurance will ensure that you are protected personally if you are injured or fall ill on the job. If you work for yourself it’s unlikely that you get sick leave or holiday pay, which means if you have to be off work – you’re on your own financially. Personal Accident and Illness Cover will pay you a portion of your wage whilst you focus on getting better.
Tax Audit Insurance
Tax Audit Insurance might not be the first thing that pops into mind when thinking about hairdressers insurance, however the tax department are targeting more and more businesses to ensure they are complying with regulations. Getting audited can cost an arm and a leg if you don’t have the savings ready to go. You’ll have to pay your tax accountant extra hours to meet whatever needs the department wants from you. Tax Audit Insurance is a great safeguard of your bank account for this reason.
So don’t get caught out with underinsurance as a hairdresser. It’s easy to protect yourself with all businesses insurance under one roof at Contractor Cover. Call us on 1300 GET COVER today, email at info@contractorcover.com.au or fill in our easy online quoter. All information provided above is of a general nature, if you need specific advice we recommend speaking to a broker.
