Hair & Beauty Packages

Bronze Package

 

Saloncover’s Beauty Bronze and Hair Insurance Product is cut just right for Hairdressers, Hairdressing Salons, Barbers, Barbershops, Mobile Hairdressers, Freelance Hairdressers – and Beautician treatments.

As a business package, you can take any or all of the benefits of our Fire/Perils, Business Interruption, Burglary, Money, Glass, Machinery Breakdown, Electronic Equipment, Employee Theft or General Property covers…PLUS you get the Full Hairdressing Treatment Risk Liability Extension.

 

This Public & Products Liability extension specifically and deliberately includes all hair related and basic beauty related activities. If Hairdressing is what you do, then hairdressing is all you pay for. We do not include and charge for excessive Beauty Insurance covers for weird and wonderful beautician treatments that you simply don’t do!  Our Bronze Package only includes those Hair activities that you specialise in, and lower level Beauty treatments, saving you $$$ on wasted insurance premiums.

 

$5, $10 & $20million options are available. Should you require further cover, or extend your range of treatments past Hair activities at any time, we would recommend a simple upgrade at minimal cost to one of our Silver, Gold or Platinum packages.

  • Hair – Cutting, Shampooing, Conditioning, Winding, Setting, Waving, Straightening, Drying, Bleaching, Streaking, Singeing, Tinting, Dressing or Shaving;
  • Facial Cleansing or Application of Makeup;
  • Nail Manicures, Pedicures, Nail Art, False Nails or Nail Extension Tips;
  • Ear Piercing, Nose Piercing, Eyebrow Piercing or Navel Piercing;

  • Body Waxing, Limb Waxing or Facial Waxing;
  • Eyelash Tinting, Eyelash Perming, or Fixing of False Eyelashes;
  • Eyebrow Plucking, Eyebrow Tinting or Eyebrow Shaping;
  • Hair Plucking, Hair Electrolysis or Hair Epilation
  • Facial Massage, Hand Massage, Foot Massage, Neck Massage, Relaxation Massage, Swedish Massage, Hot Stone Massage or Massage Involving Aromatherapy;

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Silver Package

Includes Bronze

 

Saloncover’s Beauty Insurance Silver Product is manicured perfectly for Beauty Salons, Beauticians, Beauty Therapists, Mobile Beauticians, Freelance Beauticians, Make Up Artists, Manicurists, Nail Technicians, Nail Studios, Hair Removalists – anyone offering the standard range of Beautician treatments. It may also be suitable for Hairdressers offering that little bit extra in addition to hair related activities.

 

As a business package, you can take any or all of the benefits of our Fire/Perils, Business Interruption, Burglary, Money, Glass, Machinery Breakdown, Electronic Equipment, Employee Theft or General Property covers…PLUS you get the Full Beauty Services Silver Treatment Risk Liability Extension.

 

This Public & Products Liability extension includes our Hairdressing Treatment Risk. We specifically and deliberately exclude higher end beauty related activities. If ‘normal’ Beauty Related activities are what you do, then this is what you pay for. We do not include and charge for excessive liability covers for beautician treatments that you simply don’t do….once again, saving you $$$ on wasted insurance premiums.

 

$5, $10 & $20million options are available. Should you require further cover, or extend your range of treatments past our silver range of beauty activities at any time, we would recommend a simple upgrade at minimal cost to one of our Gold or Platinum packages.

  • Ear Candling;
  • Steam Facial, Alpha Hydroxy Acid Facial, Chemical Peel Facial or Paraffin Masque Facial;
  • Non-inhalation Oxygen Treatment;
  • Intense Pulse Light Treatment, Variable Pulse Light Treatment, Ultra-variable Pulse Light Treatment, but excluding any treatment where the machine is not approved by the Therapeutic Goods Administration.
    Laser Therapy / IPL *Subject to Approval*

  • Lymphatic Drainage;
  • Steam Spas or Other Steam Treatments, Mud Baths, Mud Masks, Salt Scrubs, Seaweed and Body Wraps and Body Scrubs;
  • Epidermabrasion or Microdermabrasion;
  • Skin Analysis, Reflexology
  • Spray Tanning,
  • Temporary Tattoos;
  • Teeth Whitening

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Gold Package

Includes Silver & Bronze

 

Saloncover’s Beauty Insurance Gold Product is a relaxing solution for Beauty Salons, Solariums, Day Spas, Saunas, Tanning Salons, Aromatherapists – anyone offering slightly more than the standard range of Beautician treatments.

 

As a business package, you can take any or all of the benefits of our Fire/Perils, Business Interruption, Burglary, Money, Glass, Machinery Breakdown, Electronic Equipment, Employee Theft or General Property covers…PLUS you get the Full Beauty Services Gold Treatment Risk Liability Extension.

 

This Public & Products Liability extension includes our Hairdressing and Beauty Silver Treatment Risks, ensuring total cover across all operations. Our Gold product not only once again saves you premium $$$, but more importantly…..we include treatments that the majority of insurers are unwilling to cover – electrolysis, steam treatments, solarium activities, mud masks, aromatherapy and more.

  • Inhalation Oxygen Treatment;
  • Floatation Tanks;
  • LED Light Therapy

  • Skin Needling with Derma Rollers containing needles that are less than 0.25mm long
    *Subject to Approval if over .25mm long*
  • Steam or Infra-red Saunas

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Platinum Package + Professional Indemnity Cover

Includes Gold, Silver & Bronze

 

Saloncover’s Beauty Insurance Platinum Product is suitable for Higher end treatment risks, such as Laser Therapy, Dermabrasion, Red Vein Removal, Acid Peels and similar. Previously unavailable and uncovered risks are now available exclusively through Beauty Platinum.

 

As a business package, you can take any or all of the benefits of our Fire/Perils, Business Interruption, Burglary, Money, Glass, Machinery Breakdown, Electronic Equipment, Employee Theft or General Property covers…PLUS you get the Full Beauty Services Platinum Professional Indemnity Liability Extension.

 

This Professional Indemnity Cover provides a claims made wording, meaning the incidence can occur at any time, but must be noted in insured period. Cover includes General Liability for Hair, Silver and Gold treatments. Our full market research analysis showed that almost all such treatments have been uninsurable in the past, and if fortunate to obtain cover, premiums were extremely high. Our Platinum package ensures your operations are correctly insured at the right price.

  • Micro-current Therapy;
  • Non-injection Red Vein Removal;
  • Cosmetic Tattooing of the Eyebrows, Eyelids & Lips
  • Radio Frequency Treatment;

  • Laser Therapy- where the laser output does not exceed minimum wattage allowed by the Australian Standards or other relevant legislation and where clients are provided with appropriate eye protection during the treatment *Subject to Approval*

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Business Package Sections

  • Property/Fire & Perils
  • Business Interruption
  • Burglary/Theft
  • Money
  • Glass
  • Public & Products Liability

  • Machinery Breakdown
  • Electronic Equipment
  • General/Mobile Property
  • Transit
  • Employee Fraud
  • Tax Audit

Exclusions

  • Treatments applied by doctors & other medically qualified practitioners;
  • Remedial massage therapy;
  • Any form of spinal manipulation;
  • Genital, tongue and/or nipple piercing;
  • Sclerotherapy;
  • Acupuncture;

  • Reiki;
  • Any form of non-cosmetic permanent tattoos;
  • Nutritional advice;
  • Laser therapy:- where the laser output exceeds the maximum wattage allowed by the Australian standards or other legislation, or – instances where clients are not provided with appropriate eye protection (e.g. goggles) during treatment; and/or,
  • Any activities not expressly stated in the above Schedules, Silver, Gold & Platinum

Documents

PDS – Contact Us | SalonCover Proposal | Brochure