Beauticians Insurance Online Beauticians Insurance Calculator

Estimate your insurance needs as a beautician with our Beauticians Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Beauticians – Insurance Calculator

For beauty salons, hairdressers, nail bars and cosmetic/skin clinics. Totals your property replacement values, estimates a Business Interruption (BI) sum, and suggests Professional Indemnity (PI) and Public Liability (PL) limits. This is a planning tool only – not a quote or personal advice.

Salon profile

Salon type

Number of operators/staff (incl. you)

Average clients per week

GST treatment Most salons claim input tax credits → ex-GST sums.

Premises type

Financier (optional)

Treatments & exposure

Tick everything you or your staff offer. This drives the PI & Liability suggestion.

Treatments offered

Hair / basic styling Waxing, brows, nails Spray tanning Facials / light peels Cosmetic tattooing / microblading Laser / IPL Skin needling / dermapen Cosmetic injectables (doctor/nurse) Other advanced skin/aesthetic services

Contract/landlord PI limit (floor) If your lease or supplier agreement sets a minimum PI limit, pick it here.

Contract/landlord PL limit (floor)

Claims in last 5 years?

PI risk bias

Fit-out & furniture

Chairs, mirrors, reception, cabinetry, flooring, basins, décor. Enter replacement values.

Treatment & salon equipment

Wash basins, trolleys, beds, steamers, autoclaves, laser/IPL devices, needling pens, tan booths.

Electronics, POS & IT

POS terminals, computers, tablets, Wi-Fi/networking, CCTV/DVR, music system.

Stock & consumables

Retail stock (products for sale)

Professional stock (colour, lotions, etc.)

Glass/signage total (optional)

Critical equipment value (optional) e.g., laser/IPL devices, micro-needling systems, autoclaves.

Business Interruption (Gross Profit)

Annual turnover ($)

Gross profit margin (%) As defined in your BI wording: turnover minus uninsured working expenses.

Indemnity period (months)

AICOW / uplift (%) Additional Increase in Cost of Working buffer.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Beauticians Insurance Articles

Making Informed Choices: A Guide to Liability Coverage for Beauty Professionals

If you're working in the beauty industry, you know that every client walks in with trust that they'll leave not only looking great but feeling great too. With every service, comes the responsibility to maintain that trust, ensuring you’ve covered all bases, especially when it comes to liability. Liability coverage is more than just a safety net; it's a crucial part of protecting your business and maintaining peace of mind in your professional journey. - read more

How to Choose the Right Income Protection Policy as a Beautician

Welcome, beauty professionals, to a discussion that could significantly impact your financial future—income protection insurance. As a beautician, your hands-on work is your livelihood, making it imperative to safeguard that income against unforeseen circumstances. - read more

The Importance of Contents Insurance for Hair and Beauty Salons

Welcome to the world of contents insurance tailored just for hair and beauty salons. In the dynamic beauty industry, protecting your trade’s lifeblood—your equipment and products—is crucial. This type of insurance offers peace of mind by safeguarding the tools that keep your salon buzzing. - read more

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Knowledgebase

Flood Insurance:
A specific type of property insurance that covers losses and damage caused by flooding.

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