Insurance for Beauty Salons
Prepare for the unexpected with business insurance.
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Instant Cover
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15000+ NZ
small business covered
On this page:
What is beauty salon insurance?
Business insurance helps beauty salon and barbershop owners protect their growing businesses. Depending on the cover you choose, it could help you manage the cost of claims for customer injuries, damaged stock, or other legal expenses.
Treatments gone wrong, broken equipment, temporary business closures – the potential troubles for beauty salons and barbershops never end.
Plenty of situations could create unplanned expenses for your business. If paying them out of pocket makes your hair stand on end, it may be time to consider business insurance.
Why might beauty salons need insurance?
You may be required to have business insurance to do things like:
Lease salon space.
Join a professional association.
Pay legal costs if you face a liability claim.
What does your business do?
Search your occupation, compare cover, and buy online in minutes.
Save time & money by buying online in minutes.
Types of cover we offer fitness & beauty businesses
Unsure what types of business insurance to get?
Here’s what other <fitness & beauty> professionals tend to choose:
Popular cover types for beauty salons:
Beauty salons could also consider:
Other Covers
Contents (Property)
Contents (Property) Insurance
Covers the money, equipment, stock, and glass you keep in your building against:
- Storm damage
- Fire
- Theft or break-in damage
Portable Equipment
Tool & Portable Equipment Insurance
Covers costs of repairing or replacing your portable tools, equipment, and stock against:
- Theft
- Fire
- Accidental or malicious damage
Statutory Liability
Statutory Liability Insurance
Covers you for an unintentional breach of key NZ business legislation, including:
- Legal and defence costs
- Fines and penalties
How much does fitness & beauty business insurance cost?
Your small business is unique. That means you might face different risks than the chiropractor or psychologist down the street and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business..
The prices are real, get that new policy feel
Professional Indemnity
$32.86/mo*
Expected average cost
Public Liability
$18.61/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
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How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make Claims Online
We’ll manage the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Frequently asked questions
Some types of insurance are mandatory for beauty professionals, such hairstylists, nail salon owners, and make up artists. Others might not be required, but could still be nice to have—just in case.
Professional Indemnity insurance is compulsory for all members of the New Zealand Association of Registered Beauty Professionals. This type of insurance policy helps protect your professional reputation against claims of negligence or professional misconduct made by clients.
Public Liability insurance may be required by your commercial landlord to lease your business premises. In these cases, you’ll likely be asked to provide proof of insurance before signing a lease.
Even if a type of insurance is not required to do business, if you are at risk, it might be good to have protection in place. Insurance for your stock, portable equipment for mobile salons, and the other things you need to run your business smoothly can be helpful if unforeseen events threaten to close your beauty business.
Nail salons may need different types of insurance to protect their professional reputation, customers and clients, and other part of their business.
Nail salon and mobile salon owners might consider:
Business Insurance – This is an insurance package that can include different types of cover to help shield your small business from everyday risks. Business Interruption, Equipment Breakdown, and Theft are examples of the types of cover that can be included.
Just like the haircuts, manicures, and looks you create, every beauty salon is unique. Your insurance premiums will probably differ from other salons and beauty businesses, even those just down the road.
Some factors that can influence your insurance premiums include (but are not limited to):
- The work you do
- Where your salon is located (or the area where you work, for mobile salons)
- Who is being covered (i.e., just you, or you and your employees?)
- Your business’ annual revenue and turnover
- How much cover you need or want
- Your history of past insurance claims
These factors (and others) are used to help calculate how much you’ll pay for insurance. To better understand the amount you can expect to pay, it may be wise to compare quotes from two or more insurers. This can also help you find cover that fits your unique needs as a beauty professional.
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
