A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Employee Dishonesty
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCEANRIO
A salon owner discovers that a trusted receptionist has been pocketing cash payments from walk-in clients without recording them in the booking system over eight months, resulting in a $15,000 loss to the business.
WHY IT'S COVERED
Employee fidelity coverage may respond to direct financial loss caused by dishonest or fraudulent acts committed by employees, including theft of cash or salon property.
Employee Dishonesty
SCEANRIO
A stylist accidentally burns a client's neck with a hot straightening iron while styling their hair. The client requires medical attention for second-degree burns and claims compensation for medical expenses, permanent scarring, and emotional distress.
WHY IT'S COVERED
Professional indemnity coverage may respond to claims for personal injury caused by burns, cuts or other injuries during the provision of hairdressing or barbering services.
Client Injury
SCEANRIO
A client experiences a severe allergic reaction to a hair dye despite completing a patch test 48 hours earlier. They require medical treatment and claim compensation for medical expenses and time off work due to the reaction.
WHY IT'S COVERED
Professional indemnity coverage may respond to claims arising from allergic reactions to chemical products used during hair colouring, bleaching or chemical treatments.
Allergic Reaction
SCEANRIO
A hairdresser accidentally spills bleach on a client's designer handbag while mixing colour at the station. The bag is permanently stained and the client requests compensation for the bag plus dry cleaning costs for their clothing.
WHY IT'S COVERED
Public liability coverage may respond to claims for accidental damage to client property that occurs on your premises during the provision of hair services.
Client Property Damage
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
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Do barbers need public liability insurance in Australia?
Public liability insurance is commonly held by barbers in Australia. While not always legally required, it may be expected by landlords, shopping centres, or event organisers.
Do barbers need public liability insurance in Australia?
Public liability insurance is commonly held by barbers in Australia. While not always legally required, it may be expected by landlords, shopping centres, or event organisers.
Hairdresser insurance is a type of business insurance designed to cover hairdressers and barbers for civil liability risks arising from their professional services.
Hairdresser insurance is a type of business insurance designed to cover hairdressers and barbers for civil liability risks arising from their professional services.
Does hair salon insurance cover hair damage claims?
Hair salon insurance may respond to certain claims where a client alleges hair damage resulting from your services, such as chemical treatments or styling.
Does hair salon insurance cover hair damage claims?
Hair salon insurance may respond to certain claims where a client alleges hair damage resulting from your services, such as chemical treatments or styling.
How much does hairdresser insurance cost in Australia?
The cost of hairdresser insurance varies depending on factors such as the services you provide, whether you work from a salon or offer mobile services, your annual turnover, claims history, location, and chosen limits of liability.
How much does hairdresser insurance cost in Australia?
The cost of hairdresser insurance varies depending on factors such as the services you provide, whether you work from a salon or offer mobile services, your annual turnover, claims history, location, and chosen limits of liability.
Why Do Beauty Salons Need Indemnity & Liability Insurance?
Owners of beauty salons generally buy indemnity and liability insurance. If you're wondering why a beauty salon needs indemnity & liability insurance, read on.
What Licences Do I Need To Open A Hair Salon? | upcover
Learn about the necessary licences and regulations for opening a hair salon, including the SHB30416 Certificate III and public health regulations, to provide assurance of your skills and knowledge and stay in compliance with regulatory agencies.
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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