# Barbershop Insurance: full content > Pages from https://www.barbershopinsurance.com.au as one document, generated from the site's own content. # Barbershop Insurance for Australian Barbers and Shop Owners We help shop owners, employed barbers, chair renters and mobile barbers compare and arrange public liability, tools cover, shop contents cover and more. Tell us about your shop and a broker will contact you with your options. Source: https://www.barbershopinsurance.com.au/ Reviewed by Frans du Plessis, Fellow CIP, Authorised Representative No. 1008569. CIP stands for Certified Insurance Professional. Last reviewed: 2026-10-23. - Grace Insurance's claims line, 0411 234 878, is open 24 hours, 7 days. - We usually bring you 2 to 12 quotes, so you can compare covers and prices. - We are Corporate Authorised Representative 1008568 of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. - You can pay your premium, the price of your policy, by the month instead of paying it all at once. ## What Insurance Does a Barber Need in Australia? Most barbers need public liability, which pays injury and property claims from clients and the public, plus cover for their tools. Add treatment risk, cover for harm a shave or colour causes, if you offer those. Shop owners add contents cover for chairs and stock, and employers must hold workers compensation, which pays staff who are hurt at work. | Cover | What it pays for | Who needs it | | --- | --- | --- | | [Public liability](https://www.barbershopinsurance.com.au/policies/public-liability/) | Claims from clients and the public who are hurt, or whose property is damaged, plus your legal costs. You choose a limit, the most the insurer pays for one claim, of $5 million, $10 million or $20 million. | Anyone who works on clients: shop owners, chair renters and mobile barbers. | | [Professional indemnity and treatment risk](https://www.barbershopinsurance.com.au/policies/professional-indemnity/) | Claims that a service caused harm, such as a razor cut, a hot towel burn or a reaction to beard dye. | Barbers who shave, colour or use chemicals. | | [Tools and equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) | Theft of or damage to your clippers, scissors and styling tools. Insurers call this general property. | Every barber who owns their own kit. | | [Shop contents and fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) | Repairing or replacing chairs, mirrors, stock and the fit-out, meaning the benches and plumbing you put in, after damage the policy covers. | Shop owners, whether the premises are owned or leased. | | [Workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/) | Wages and medical costs for an employee hurt at work. Each state and territory runs its own scheme. | Anyone who employs staff, including casuals and apprentices. | ### Does the law say you must have it? Employers must hold workers compensation, and each state and territory sets its own rules. Public liability is required by law only for certain occupations in some states and territories, so for most barbers the law leaves it to you. Your lease, the shop you rent a chair in or a venue can still make it a condition of working there. If you are a sole trader, workers compensation does not cover you, so look at personal accident and illness cover for yourself. [Source: business.gov.au, Types of business insurance](https://business.gov.au/risk-management/insurance/types-of-business-insurance) ## Common Barbershop Claims and the Cover That Pays A razor nick, a slip, a theft and a leak are common barbershop claims, and the cover that pays depends on what happened. ### A client is nicked by a razor and claims A cut from a straight razor, a burn from a hot towel or a reaction to beard dye can each turn into a claim. Depending on how your policy is written, public liability or treatment risk cover pays it. ### Someone slips on clippings and breaks a wrist Public liability pays their claim and your legal costs, up to the limit you choose: $5 million, $10 million or $20 million. ### Your clippers are stolen from the car Tools and equipment cover, which insurers call general property, pays for the clippers, scissors and styling tools you carry between the shop and your clients. ### A pipe bursts and the shop has to close Contents and fit-out cover pays to repair or replace the chairs, mirrors, stock and fittings. Business interruption covers the income you lose while the shop is closed. ### Check where treatment risk sits Some policies include treatment risk inside public liability and some list it separately. If you shave, colour or use chemicals, ask us to show you where it sits on your quote before you agree to it. ## Eight Covers We Arrange for Barbers We arrange each of these for barbers, shop owners and chair renters. Pick the ones that fit how you work and we will go through each one with you. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Professional Indemnity](https://www.barbershopinsurance.com.au/policies/professional-indemnity/): Covers claims that a cut, shave, colour or other service you gave caused harm or loss. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. - [Workers Compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/): Covers wages and medical costs for employees hurt at work. Each state and territory sets its own rules. - [Cyber](https://www.barbershopinsurance.com.au/policies/cyber/): Covers the costs that follow a hack or data breach, such as an attack on your booking system or client list. - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. ## Who We Cover We arrange cover for the people behind the chair, whether you own the shop, work in it or rent a chair in it. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. ### Renting a chair in someone else's shop? The shop's policy usually does not cover you, so you need your own public liability. The shop owner can ask to see a certificate of currency, a short document from your insurer that proves your policy is active. ## Who Is Behind Barbershop Insurance? Barbershop Insurance is the barber arm of Grace Insurance, an Australian-owned brokerage that Frans du Plessis founded in Perth in 2015. Frans has worked in insurance broking since 1992. He wrote Grace's guide to hairdresser and barber insurance in 2019 and updated it in December 2024. Frans works with a team of more than 20 brokers across Australia and New Zealand. - **Qualifications.** He holds a Diploma in Broking and is a Fellow CIP, short for Certified Insurance Professional. - **Licence.** He is Authorised Representative No. 1008569, meaning a licensed business authorises him to give insurance advice. - **Recognition.** He won NIBA's Western Australian Broker of the Year award in 2023. Insurance Business listed him on its 2026 Elite Brokers list and its 2026 Hot List. The award and the two listings are Frans's own, not Grace Insurance's or ours. ## How Do I Get a Barber Insurance Quote? Fill in the quote form or call us, and tell us how you work. We take your details to insurers, contact you with your options and arrange the one you pick. We aim to reply within 24 hours. 1. **Tell us how you work.** Fill in the form or call us. Say whether you own a shop, work in one, rent a chair, travel to clients or run a salon, and which covers you need. 2. **We go to insurers.** We can approach more than 160 insurers and ask 2 to 12 of them to quote. Fewer insurers quote on some specialist liability covers, so you may see fewer options. 3. **We explain your options.** For each option we set out what it covers, what it leaves out, the limit and the price. If any word on the policy is unclear, ask us. 4. **You choose, we arrange it.** Pick the option that suits you and we arrange it with the insurer. We can then get your certificate of currency for you. We contact you at least 30 days before your policy renews to check it still suits the way you work. ## What Affects the Cost of Barber Insurance? Your premium, the price of your policy, is set by the insurer and confirmed on your quote. The main things that decide it are the services you offer, the size of your team and the limit you choose. Your claims history, where you work and what your kit is worth count too. 1. **The services you offer.** Clipper cuts, razor shaves, colour and chemical work carry different risks, so the insurer asks which you do. 2. **Your team and turnover.** More staff and a higher turnover, your yearly sales, mean more work to insure, and once you employ staff you also need workers compensation. 3. **The liability limit.** You choose a $5 million, $10 million or $20 million limit. Check what your shop lease asks for before you pick. 4. **Your claims history.** The insurer asks about any claims you have made before and takes them into account when it sets the price. 5. **Where you work.** Your state counts, and so does whether you work in your own shop, from a rented chair or at clients' homes. 6. **What your kit is worth.** The more your clippers, chairs and fit-out would cost to replace, the more there is for the policy to insure. **You do not have to pay it all at once.** Through premium funding, a finance company pays the insurer for you. You repay it weekly, fortnightly, monthly, quarterly or every six months. ## What Happens If I Need to Make a Claim? Call Grace Insurance's claims line on 0411 234 878, open 24 hours, 7 days. We are your advocate: we help you prepare and lodge the claim and deal with the insurer for you. The insurer assesses the claim and decides what the policy covers. - Grace Insurance claims line, 24 hours, 7 days: 0411 234 878 - Or email: claims@graceinsurance.com.au ### Have these ready when you call - Your policy number, shown on your policy schedule, the list of your covers. - The date and time it happened, or the date and time you first found it. - Photos of the damage, taken before you clean up or move anything. - Receipts or bank records for any damaged or stolen tools and stock. - A police event number if anything was stolen or the shop was broken into. - Names and phone numbers of anyone involved, including a hurt client. Do not book repairs until the insurer agrees, unless the work stops more damage. Keep the invoice and photos if you do. ## Why Use a Specialist Barber Insurance Broker? Barbershop Insurance is the barber arm of Grace Insurance, an Australian-owned brokerage. We arrange your cover and explain it before you buy. The insurer takes on the risk, called underwriting: it decides whether to offer you cover, on what terms and at what price. - **Your options, side by side.** Tell us what you do and we will contact you with your options. You choose the covers and the limits. - **A certificate for your landlord.** Your landlord can ask for a certificate of currency, and we can get it for you. - **Cover for owners and renters.** A shop owner, a barber and a chair renter each need different covers, so we arrange yours around the way you work. ### Going direct, a comparison site or a broker | | Going direct to an insurer | A comparison site | A broker | | --- | --- | --- | --- | | Whose policies you see | Only that insurer's own policies. | Policies from the insurers the site lists. | Usually 2 to 12 quotes, from the more than 160 insurers we can approach. | | Who explains the cover | The insurer's staff, about their own policy. | The site's summaries and the policy documents. | We do, before you buy. | | Who helps when you claim | You deal with the insurer's claims team. | You deal with the insurer that issued the policy. | We are your advocate and deal with the insurer for you. | ## Can I Check Who I Am Dealing With? Yes. We are Corporate Authorised Representative 1008568 of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. Grace Insurance has its own Google reviews, Community Broker Network follows the brokers' code of practice, and complaints can go to AFCA, a free complaints service. - **Grace Insurance on Google.** Grace Insurance, the brokerage we are part of, is rated 4.9 from 81 Google reviews. The reviews come from all of Grace's clients, not only barbers. [Read Grace Insurance's Google reviews](https://search.google.com/local/reviews?placeid=ChIJO2sUV_JTzSsRjOzNn8bCPUU) - **A code brokers follow.** Our licensee, Community Broker Network, is a principal member of NIBA and has adopted the Insurance Brokers Code of Practice. The code sets out how brokers must treat their clients. - **Free complaints service.** Community Broker Network is a member of AFCA, the Australian Financial Complaints Authority. AFCA handles complaints about financial firms, and its service is free to customers. [How to make a complaint](https://www.barbershopinsurance.com.au/complaints/) ## Barber Insurance Guides Each guide answers one question in full, with the covers, limits and rules that apply to barbers. - [What Insurance Does a Barber Need in Australia?](https://www.barbershopinsurance.com.au/insights/what-insurance-does-a-barber-need/): Most barbers start with public liability and tools cover. Shop owners, employers, chair renters and mobile barbers each add different covers. Reviewed by Frans du Plessis. - [How Much Does Barber Insurance Cost?](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/): Your price is confirmed on your quote. The insurer sets it from your covers, limits, turnover, staff, tools and claims history. Reviewed by Frans du Plessis. - [Do Chair Renters Need Their Own Insurance?](https://www.barbershopinsurance.com.au/insights/do-chair-renters-need-their-own-insurance/): Yes. The shop's policy usually covers the shop owner's business, not yours. You need your own public liability, and the owner will ask to see it. Reviewed by Frans du Plessis. ## Barber Insurance Questions ### What insurance do I need for a barber shop? A shop owner usually starts with public liability, cover for the fit-out and stock, and cover for the clippers and tools. Add business interruption, which pays the income you lose while closed after damage the policy covers. Once you employ staff, workers compensation is required by law. ### How much does barbershop insurance cost in Australia? There is no set price. The insurer prices your policy on what you do, your staff, your turnover and your limit, plus your claims history, location and kit. Your price is confirmed on your quote, and you can pay it by instalments. ### Is public liability insurance mandatory for barbers? Public liability is required by law only for certain occupations in some states and territories, so for most barbers the law leaves it to you. Landlords, shopping centres and shop owners renting out chairs commonly ask for it. Without it, an injury claim from a client is yours to pay. ### Do chair renters need their own insurance? Yes, because the shop's policy usually does not cover you and a claim from one of your clients would land on you. Get public liability in your own name and cover for your clippers and scissors. The shop owner can ask to see your certificate of currency. ### What does public liability cover for a barber, and what does it leave out? It pays claims from clients and the public who are hurt, or whose property is damaged, because of your business, plus your legal costs. It does not cover your own tools, your own injuries or your employees' injuries. Those need tools cover, personal accident and illness cover, and workers compensation. ### Does public liability cover a razor nick or an allergic reaction? It depends on how your policy is written. Some public liability policies include treatment risk, cover for harm caused by the service itself, and some leave it to a separate professional indemnity policy. If you shave, colour or use chemicals, ask us to show you where treatment risk sits on your quote. ### Do I need workers compensation for my barbers? Yes, if you employ anyone, with a few state exemptions for very small wage bills. Casual and part-time staff and apprentices count as workers, and each state and territory runs its own scheme. It does not cover you as a sole trader, so look at personal accident and illness cover. ### How much public liability cover does a barber need? You can choose $5 million, $10 million or $20 million. Start with your lease or chair rental agreement, because a landlord, shopping centre or shop owner can set the minimum you must hold. If nobody sets one, we can talk you through the difference in price between the limits. ### Do mobile barbers need insurance? Unless you employ staff, the law usually leaves it to you, but you still work on clients every day. Public liability covers claims from clients in their homes and at venues. Tools cover, which insurers call general property, protects the kit you carry in your car. ### What will my landlord ask to see? Usually a certificate of currency, a short document from your insurer that proves your policy is active and shows your covers, limits and dates. Your lease may also set a minimum public liability limit, so check it before you choose. Once your policy is in place, we can get the certificate for you. ## Get a Barbershop Insurance Quote Tell us how you work and which covers you need, and we aim to reply within 24 hours. - Quote form: https://www.barbershopinsurance.com.au/contact/ - Phone: 1800 556 777 - Email: info@barbershopinsurance.com.au - Office: Unit 14, 115 Grand Boulevard, Joondalup WA 6027 - Hours: Monday to Friday, 8:30am to 5:00pm Perth time - Parent brokerage: Grace Insurance, https://graceinsurance.com.au/ --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Insurance Covers for Barbers and Barbershops We arrange eight main covers for barbers, shop owners, chair renters, mobile barbers and hair salons across Australia. Each one pays a different kind of claim, so you choose the ones that fit how you work. If you are not sure which you need, tell us how you work and we will explain each cover before you decide. Source: https://www.barbershopinsurance.com.au/policies/ **What is barber business insurance?** **Barber business insurance** is a group of covers, each for a different kind of claim. **Public liability** and **treatment risk** cover pay claims from clients and the public who are hurt in your shop or by your work. Other covers protect your **tools**, your **shop**, your income, your **staff** and you. ## Eight Insurance Covers for Barbers and Barbershops ### Public liability Pays injury and damage claims from clients and the public, and the legal costs of defending them. Your limit, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Professional indemnity and treatment risk Pays claims that your work caused harm or loss. Its **treatment risk** cover pays when a cut, shave or colour hurts a client, such as a razor cut or a dye reaction. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Tools and equipment Pays to repair or replace your clippers, scissors and styling tools if they are stolen or damaged, in the shop or on the road. Insurers call it **general property** or **portable equipment** cover. More: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ ### Shop contents and fit-out Pays to repair or replace your chairs, mirrors, stock and **fit-out**, the benches, lighting and plumbing built into the shop. It covers fire, storm, a burst pipe or a break-in, whether you own or lease the shop. More: https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/ ### Business interruption Pays the income you lose while damage your property cover pays for, such as a fire, keeps the shop closed. It also pays the bills you still have to pay, such as rent and wages. More: https://www.barbershopinsurance.com.au/policies/business-interruption/ ### Workers compensation Pays wages and medical costs for staff hurt or made ill by their work, including apprentices and casuals. Employers must hold it, and each state and territory sets its own rules. More: https://www.barbershopinsurance.com.au/policies/workers-compensation/ ### Cyber Usually pays the costs after a hack or a data breach that exposes client details. That includes getting your booking system back and telling the clients affected. More: https://www.barbershopinsurance.com.au/policies/cyber/ ### Personal accident and illness Pays you a **weekly benefit**, a regular payment in place of your income, if an injury or illness stops you working. It matters most if you work for yourself, because workers compensation does not cover a sole trader. More: https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/ ## Which Covers Fit How You Work? It depends on whether you own a shop, work in one, rent a chair, travel to your clients or run a salon. Pick the one closest to you to see the covers that fit. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. If you do more than one, such as renting a chair and cutting at weddings, tell us both so your policy lists all of it. ## What Else Can Barbers Add to Their Insurance? You can also add **commercial legal expenses** cover, which pays your legal costs in covered disputes, and **glass** and **money** cover. Glass and money are parts you add to your contents and fit-out cover. ### Commercial legal expenses Pays the legal costs of covered disputes, such as a tax audit, up to $100,000 per claim and $250,000 in total for the policy period. The **excess**, the amount you pay towards each claim, is $1,000, and tax audit cover starts after a 90-day wait. The terms are confirmed on your quote. ### Glass Pays to replace a broken shopfront window or glass door, and usually to board up the shop until the glass is replaced. Check your lease, because many make you responsible for the shopfront glass. ### Money Pays for cash stolen from the till, the safe or on the way to the bank, up to the amount shown on your policy. It is worth having if clients still pay for cuts and tips in cash. ## How Much Does Barber Business Insurance Cost? Your **premium**, the price of your insurance, is confirmed on your quote. It depends on the covers and limits you choose, the services you offer, your staff, your turnover, where you work and your claims history. ### The covers and limits you choose Each cover adds to the price, and a $20 million public liability limit costs more than $5 million. ### The services you offer Straight-razor shaves, and colour or chemical work such as perms and straightening, can cost more to cover than clipper cuts alone. ### Your staff More staff means more treatment risk and a higher workers compensation premium. ### Your turnover Insurers use what the business takes in a year as a guide to its size. ### Where you work A street shop, a shopping-centre site, a home studio and mobile work are each priced differently. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. For how premiums are worked out, read [how much barber insurance costs](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/). ## Questions About Barber Business Insurance ### What insurance does a barber need? Most barbers need public liability for injury and damage claims, and treatment risk cover for claims that a cut, shave or colour caused harm. Add tools cover for your kit, contents cover if you own a shop, and workers compensation if you employ staff. If you work for yourself, add personal accident and illness cover to replace your income. ### Is barber insurance compulsory? Some of it is. Employers must hold workers compensation, and some states and territories require public liability for certain jobs. Otherwise the law leaves it to you, though your lease or the shop you rent a chair in can require public liability. ### How much does barber insurance cost? It depends on the covers and limits you choose, how you work and your claims history, and we confirm the premium on your quote. You can pay in one go, or use premium funding, where a finance company pays the insurer for you. You then repay it weekly, fortnightly, monthly, quarterly or every six months. ### Do chair renters need their own insurance? Yes. A chair renter runs their own business, and the shop's policy usually covers only the owner's business. You need your own public liability, treatment risk cover for claims about your work, and tools cover. ### Can I get barber insurance anywhere in Australia? Yes. We arrange cover for barbers, barbershops and salons in every state and territory, from our office in Joondalup, Western Australia. Workers compensation rules differ between states and territories, so tell us where you work when you ask for a quote. ## Get a Barbershop Insurance Quote Tell us how you work and which covers you want, even if you are not sure yet, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Public Liability Insurance for Barbers If someone is injured in your shop, or their property is damaged, they can claim against you. Public liability pays that claim and the legal costs of defending it. Your landlord will usually want proof of it before you open, and shop owners ask chair renters for it too. Source: https://www.barbershopinsurance.com.au/policies/public-liability/ **What does public liability cover for a barber?** **Public liability insurance** for hairdressers and barbers pays the claim and your legal costs if your business injures a client or member of the public, or damages their property, such as a slip on hair clippings or dye on a jacket. Your **limit**, the most the insurer pays for one claim, can be **$5 million**, **$10 million** or **$20 million**. ## What Does Public Liability Cover in a Barbershop? Public liability covers injury to people who do not work for you, and damage to their property: clients, people waiting, delivery drivers and anyone who walks through the door. ### A client slips on clippings Cut hair on a tiled floor is easy to slip on. If a client falls and breaks a wrist, public liability pays their claim for medical costs and lost income. It also pays the legal costs of defending it. ### Dye ends up on a client's clothes A splash of beard dye on a white shirt, or hair oil spilled on a leather jacket, is damage to their property. Public liability pays to clean, repair or replace it. ### Someone trips in the waiting area A friend waiting for a client trips on a clipper cord or a loose mat. They are not your client, but public liability still covers their claim. ### You cut hair outside the shop Public liability covers your business, not just the shop address, so it can cover your work at a wedding, a client's home or a temporary event stall. Make sure the policy lists that work. ## How Much Public Liability Cover Do Barbers Need? ### Your lease sets the minimum Your **limit** is the most the insurer will pay for one claim, and you need at least the limit your lease or shop owner asks for. Read the insurance clause in your lease before you choose, because it often sets the minimum limit you must hold. We can arrange **$5 million**, **$10 million** or **$20 million**. ### Your landlord may need to be noted Landlords and shopping centres often write a minimum limit into the lease. Some also ask to be noted on the policy as an **interested party**, which tells the insurer they have a stake in your cover. ### The number of visitors sets the rest Above that minimum, think about who comes through the door. A busy shop with walk-in clients, children and a waiting area has more people who could be injured than a one-chair studio. Ask us to quote two limits side by side and you can see the difference in price before you choose. ## Does Public Liability Cover Products I Sell? ### What products liability covers **Products liability** is the part of the policy that covers injury or damage caused by something you sell or supply. In Australia it is normally sold with public liability, as public and products liability, so check both are listed on yours. ### When it matters It matters if you sell pomade, beard oil, shampoo or clippers over the counter. If a client reacts to a beard oil they bought from you, the claim can come to you as well as the maker. ### Own label or imported If you import products yourself or sell them under your own label, tell us, so the insurer can price your products liability correctly. ## Do Chair Renters Need Their Own Public Liability? ### Your own business, your own cover Yes. As a chair renter you run your own business inside someone else's shop, and the shop's policy usually covers the owner's business, not yours. If your client slips or has a reaction, the claim comes to you. ### Show your certificate of currency The shop owner will often ask to see your **certificate of currency**, a short document from your insurer that proves your policy is active. Keep a copy on your phone. ### If you own the shop If you own the shop, ask every renter for a certificate of currency, because a claim against a renter with no cover can end up with you. If you rent a chair, see [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/) for the other covers a renter needs. ## What Public Liability Does Not Cover Public liability does not cover you, your staff or your own property, only other people and their property. It usually leaves out: - Injury to your own employees, which is [workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/). - Your own tools, chairs and stock, which is [tools and equipment insurance](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) and [contents and fit-out insurance](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/). - A claim that the cut, shave or colour itself caused the harm, if your policy leaves that to [professional indemnity and treatment risk](https://www.barbershopinsurance.com.au/policies/professional-indemnity/). - Your own injury or illness, which is [personal accident and illness insurance](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/). - Damage you cause on purpose, and fines or penalties. ## What Affects the Price of Public Liability? Your **premium**, the price of the policy, depends on your limit, turnover, where you work, the services you offer, the products you sell and your excess. The exact figure is confirmed on your quote. ### The limit you choose A $20 million limit costs more than $5 million, because the insurer could pay out more. ### Your turnover Insurers use what the business takes in a year as a guide to how many clients you see. ### Where you work A street shop, a shopping-centre site, a home studio and mobile work each carry different risks. ### The services you offer Straight-razor shaves, colour and chemical work such as perms and straightening can add to the price compared with clipper cuts alone. ### Products you sell Selling retail stock adds to your products liability risk, and selling your own label or imported products adds more. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. For how premiums are worked out, read [how much barber insurance costs](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/). ## Who Needs Public Liability Insurance? Anyone running a barbering or hairdressing business that serves the public should have it. That includes [barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/), [barbers](https://www.barbershopinsurance.com.au/trades/barbers/) who take their own clients, [mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/), and [hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/). - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. For most businesses the law leaves public liability up to you, though some states and territories require it for certain jobs. Landlords, shop owners and event organisers will still ask for it, so have it in place before you sign a lease or book an event. ## Is Public Liability Insurance for Hairdressers the Same? Yes. Public liability for hairdressers pays the same kinds of claim as it does for barbers, such as a client who slips on a wet floor or a coat marked by colour. If a client says the colour, bleach or razor itself harmed them, that is a claim about your service. Some policies pay it under public liability, and others leave it to **treatment risk** cover, which pays when a service harms a client, so check which way your quote is written. We arrange cover for hair and barber businesses in every state and territory. Colour and chemical work such as perms and straightening can add to the price, so tell us the services you offer. See [insurance for hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) for the other covers a salon needs. ## Other Insurance for Barbers - [Professional Indemnity](https://www.barbershopinsurance.com.au/policies/professional-indemnity/): Covers claims that a cut, shave, colour or other service you gave caused harm or loss. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. ## Public Liability Questions for Barbers ### Is public liability insurance compulsory for barbers? Usually not by law, though some states and territories require it for certain jobs. A lease, a shopping centre or the shop you rent a chair in can make it a condition. Without it, a claim is paid out of your own pocket. ### What public liability limit should a barber choose? Choose at least the minimum your lease or shop owner sets, and more if a lot of people come through your shop. We can arrange a limit, the most the insurer pays for one claim, of $5 million, $10 million or $20 million. ### Does public liability cover a razor cut on a client? It can. Some public liability policies cover injury caused by the service itself, and others leave it to treatment risk cover, which pays when a cut or shave hurts a client. Ask us which way a policy is written before you buy. ### Am I covered if I cut hair at a client's home? Usually, if the policy lists mobile or home visits as part of your business. Tell us where you work when you ask for a quote so the policy matches. ### Do sole trader barbers need public liability insurance? Yes, if you cut hair for the public. A sole trader can be sued like any shop, and a lease or the shop you rent a chair in may ask for cover. Workers compensation does not cover a sole trader, so your own injury needs personal accident and illness cover. ### How much does public liability insurance cost for a barber? It depends on your limit, turnover, where you work, the services you offer and any products you sell. We confirm the premium on your quote, and you can pay in instalments through premium funding. A $20 million limit costs more than a $5 million limit, because the insurer could pay out more. ### Can I get a certificate of currency for my landlord? Yes. Once your policy is in place, ask us and we will arrange a certificate of currency. It is the document from your insurer that proves your cover is active and shows your limit. ## Get a Public Liability Quote Tell us how you work and the limit your lease asks for, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Professional Indemnity and Treatment Risk Cover for Barbers Public liability covers someone who gets hurt in your shop, like a client who slips on the floor. Professional indemnity covers the work itself: the claim that your shave, cut or colour did the harm. Insurers sell the cover for harm caused by the service under different names, including treatment risk and treatment liability. Whatever the name, check the policy covers every service you offer. Source: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ **What is treatment risk cover for a barber?** **Treatment risk cover**, sold as part of **professional indemnity** or added to public liability, pays claims that the service you gave caused harm or loss. For a barber, that includes a **straight-razor cut** that scars, a **hot towel** burn, or a reaction to **beard dye** or bleach. It also pays your legal costs while the claim is defended. ## What Professional Indemnity Covers in a Barbershop Professional indemnity, through its treatment risk cover, pays claims that a service you gave caused injury or loss, such as a razor cut, a burn, a reaction or an infection. Some public liability policies leave these claims out. ### A razor cut that leaves a mark A client moves during a straight-razor shave and needs stitches. If they claim for the scar and the time off work, treatment risk pays the claim and your legal costs. ### A hot towel that burns A towel straight from the warmer can burn the face or neck. Because the burn happened during the service, treatment risk cover pays the client's claim. ### A reaction to beard dye or bleach Dye, bleach and colour can cause allergic reactions and chemical burns, sometimes days later. Treatment risk covers the client's claim, and a record of your **patch test**, a small test of the product on the skin before you colour, helps defend it. ### A skin infection after a shave Clippers and blades that are not cleaned between clients can pass on infection. A client who gets a skin infection and blames your tools can claim for their medical costs. ### Hair loss after a chemical treatment A relaxer, the cream that straightens hair, or a bleach left on too long can break hair or burn the scalp. The client can claim for the cost of fixing it. ## How Professional Indemnity Differs From Public Liability ### Each cover pays a different claim Professional indemnity covers claims about the work itself, such as the shave, the colour or the advice you gave. Public liability covers accidents around the work, such as a slip on clippings or a stained jacket. ### Some policies leave treatment out Some barber packages put both covers in one policy, and some public liability policies leave out claims about the service altogether. Check which kind a policy is before you buy it. ### Check the policy you already hold If you already hold [public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/), ask us whether treatment risk is included or needs adding. ## Why Professional Indemnity Needs to Stay in Place ### The claim date is what counts Professional indemnity needs to stay in place because many policies are written on a **claims-made** basis: they cover a claim if the policy is active on the day the claim is made. ### Clients can claim months later A client can claim months after the appointment. If you cancel the policy or let it run out, a claim for last year's shave may not be covered. ### Run-off cover after you stop If you stop cutting or sell the shop, ask about **run-off cover**, which covers claims about work you did before you stopped. ## How Can Barbers Lower the Risk of a Treatment Claim? ### Patch test and write it down Patch test before any dye, bleach or colour, and note the date and the product. ### Clean your tools between clients Clean and disinfect clippers, combs and razors between every client, and use a fresh blade for each straight-razor shave. ### Test the towel's heat first Check the towel's heat on the inside of your wrist before it goes on a client's face. ### Ask about allergies and keep records Ask about allergies, skin conditions and medication before a shave or colour, and note the answer. Keep your client records, because a client may not claim until months after the appointment. ## What Affects the Price of Professional Indemnity? Your **premium**, the price of the policy, depends on the services you offer, your turnover, the limit you choose, your qualifications, how many people cut in your shop and your excess. The exact figure is confirmed on your quote. ### The services you offer Colour, bleach, chemical work such as relaxers and perms, and straight-razor shaves carry more risk than clipper cuts alone. ### Your turnover and client numbers More appointments mean more chances of a claim. ### The limit you choose The limit is the most the policy pays for a claim. A higher limit costs more. ### Your qualifications Insurers may ask about your barbering qualifications and how long you have been cutting. ### How many people cut in your shop The business policy needs to cover every barber who works for you. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Treatment Risk Cover? Anyone who uses a razor, a hot towel, or dye or bleach on a client should have it. That includes self-employed [barbers](https://www.barbershopinsurance.com.au/trades/barbers/), [chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/), [mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/), and [hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) doing colour and chemical work such as relaxers and perms. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. If you employ barbers, the business policy needs to cover the work your staff do as well as your own. Tell us how many people cut in your shop when you ask for a quote. ## Other Insurance for Barbers - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. ## Professional Indemnity Questions for Barbers ### Do barbers need professional indemnity insurance? The law usually leaves it to you, but a claim that your shave or colour caused harm is one that public liability may not cover. If you use straight razors, dye, bleach or hot towels, you should have it. ### Is treatment risk the same as professional indemnity? Not exactly. Treatment risk is the cover for claims that come from the hands-on service, and insurers sell it inside professional indemnity or add it to public liability. The names vary between insurers, so check what the policy covers. ### Does it cover a client who does not like their haircut? No. A cut someone does not like is not an insurance claim. Professional indemnity pays when the client says the service caused injury or a loss, such as a burn, a scar or hair loss. ### What happens if a client claims months after the service? Many professional indemnity policies cover claims made while the policy is active. Keep your cover in place, and if you stop working, ask about run-off cover, which covers claims about work you did before you stopped. ### Can I add treatment risk to my public liability? Often, yes. Some insurers add it to public liability and others sell it separately. Tell us the services you offer and we will arrange the cover that fits them. ## Get a Treatment Risk Quote Tell us the services you offer, from clipper cuts to colour and straight-razor shaves, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Tools and Equipment Insurance for Barbers Clippers, trimmers, scissors and a dryer are expensive to replace, and you cannot work without them. If they are all stolen, you pay for new tools and lose the income from the days you cannot work. Shop contents cover protects the things that stay in the shop. Tools and equipment cover protects your kit when you take it to clients, events or a chair you rent. Source: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ **What does tools and equipment insurance cover?** **Tools and equipment insurance** pays to repair or replace your **clippers, scissors, trimmers and styling tools** if they are stolen or damaged. Insurers call it **general property** or **portable equipment** cover. It covers them in the shop and when you carry them to clients, events or a chair you rent. ## What Tools and Equipment Cover Pays For Tools and equipment cover pays to repair or replace your clippers, scissors and styling tools if they are stolen or damaged. It covers them in the shop, in the car and at a client's home. ### Clippers stolen from your car Your tool bag is stolen from the boot of your car while you are away from it for a few minutes. Tools cover pays to replace it, as long as you meet the policy's rules for theft from a car, such as the car being locked. ### A dropped trimmer or a cracked dryer Accidental damage, such as a trimmer knocked off the bench, can be covered as well as theft. Check your policy includes accidental damage and not only theft. ### A break-in at the shop where you rent a chair If you rent a chair, your tools belong to you, so the shop's contents cover, which insures the owner's things, usually will not pay for them. Your own tools cover does. ### Tools stolen at a wedding or event Event and mobile work means your tools spend time in cars, venues and clients' homes. Tools cover usually protects them anywhere in Australia, not only at the shop. ## What Conditions Should You Check on a Tools Policy? ### Theft from a car has conditions Many policies only pay for theft from a car if it was locked, the tools were out of sight and someone forced their way in. Some do not pay for tools left in the car overnight. ### List your most expensive tools **Specified items** are listed on the policy one by one with a value. **Unspecified items** share one total amount, with a limit on any single item, so list your most expensive tools by name. ### Wear and tear is not covered Tools cover pays for theft and damage, so it does not pay when clippers wear out or blades go blunt with use. ### Check how a claim is valued Some policies pay what a new tool costs, called **new for old**, and others pay what your old one was worth after wear. Ask us which one a policy uses. ## What Affects the Price of Tools Cover? Your **premium**, the price of the policy, depends on the total value you insure, where your tools go, how you store them, your excess and your claims history. The exact figure is confirmed on your quote. ### The total value you insure The **sum insured** is the most the policy will pay. Set it at what it would cost to replace your kit new. ### Where your tools go Tools that stay in one shop carry less risk than kit that travels every day. ### How you store them Insurers look at how you store your kit. A locked cabinet, an alarmed shop and taking the bag inside at night all lower the risk of theft. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Tools and Equipment Insurance? Any [barber](https://www.barbershopinsurance.com.au/trades/barbers/) who owns their own kit needs it. It matters most to [mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/), who carry their tools in the car, and to [chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/), whose tools are not covered by the shop's policy. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. [Barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) can cover the shop's tools under [contents cover](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) while they stay in the shop. Add tools cover for anything that leaves the shop. ## Other Insurance to Consider With Tools Cover - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. ## Tools and Equipment Questions ### Are my clippers covered by my home or car insurance? Often not. Many home and car policies leave out tools you use to earn money, so read the policy wording before you rely on it. ### Does tools cover work anywhere in Australia? Tools cover usually protects your tools anywhere in Australia, not only at one address. The area is written on your policy, so check it if you travel for work. ### What is general property insurance? It is the insurer's name for cover on the portable things you use to earn money, such as clippers, scissors, trimmers and dryers. It pays to repair or replace them after theft or damage. ### Do I need to list each tool? You can list expensive tools by name as specified items, or cover them under one total amount, which usually has a limit on any single item. Keep receipts or photos of your kit either way. ### Are my tools covered if I rent a chair in someone else's shop? Usually not by the shop's policy. The shop's contents policy covers the owner's things, so as a chair renter you need your own tools cover. ## Get a Tools and Equipment Quote Tell us what kit you carry and where it goes, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Barbershop Contents and Fit-out Insurance A barbershop costs a lot to fit out: hydraulic chairs, basins, mirrors, lighting, a counter and the plumbing behind it all. Insurers call this **commercial property** cover, and it pays to put the shop back together after damage. Your policy can cover storm and fire, theft, glass, money, equipment breakdown and the fit-out itself. Source: https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/ **What does barbershop contents insurance cover?** **Contents and fit-out insurance** pays to repair or replace your **barber chairs, mirrors, stock, furniture and fit-out**. It covers damage from fire, storm, a burst pipe or a break-in. It works whether you own or lease the shop, and you can add **glass**, **money** and **equipment breakdown** cover. ## What Contents and Fit-out Cover Pays For Contents and fit-out cover pays to repair or replace what is in your shop, and what you built into it, after fire, storm, a burst pipe or a break-in. Glass, money and equipment breakdown are parts you can add, and you choose which ones go on your policy. ### Storm and fire Fire, storm, lightning and water from a burst pipe are the main things the cover pays for. It pays to repair or replace damaged chairs, mirrors, stock and furniture. **Flood**, meaning water rising from a river, creek or the sea, is not always covered the same way as storm. Your quote shows whether it is included, so check for it if your shop sits in a low area. ### Theft and break-ins Theft cover pays for contents and stock taken in a break-in, and for the damage done getting in. It usually needs signs of forced entry, so lock up and set the alarm. ### Glass Glass cover pays to replace a broken shopfront window, glass door or mirror, and usually to board up the shop until it is fixed. Many leases make you responsible for the shopfront glass, so read yours. ### Money Money cover pays for cash stolen from the till, the safe or on the way to the bank, up to the amount on your policy. It matters if clients still pay cash for cuts and tips. ### Equipment breakdown **Electronic equipment** cover, also called equipment breakdown, pays to repair or replace electronic items that break down, such as the computer, EFTPOS terminal and booking tablet. Standard contents cover pays for damage from outside causes, not for a machine failing on its own. ### Your fit-out The **fit-out** is everything you built into a leased shop: benches, basins, plumbing, lighting, flooring and signage. If a fire destroys the inside of the shop, the landlord's policy covers the building, and yours covers the fit-out you paid for. ## What Insurance Does Your Shop Lease Ask For? ### Read the insurance clause Leases commonly ask for public liability at a set limit and glass cover for the shopfront, so read the insurance clause in yours. They also ask for proof on a **certificate of currency**, a short document from your insurer that shows your cover is active. ### If you own the building We arrange cover whether you own the building or lease the shop. If you own it, the building itself can go on the same policy as your contents. ### We match the policy to your lease Send us the insurance clause from your lease and we will set the policy up to match it. ## What Affects the Price of Contents and Fit-out Cover? Your **premium**, the price of the policy, depends on your sums insured, where the shop is, your security, the parts you choose, the building and your excess. The exact figure is confirmed on your quote. ### Your sums insured The **sum insured** is the most the policy will pay. Set it at what it would cost to replace everything new today, because if it is too low, the insurer can pay less than your claim. ### Where the shop is The suburb, its storm and flood exposure, and local crime all count. ### Your security Alarms, deadlocks, cameras and a safe for cash can lower the price. ### The parts you choose Each extra part you add, such as glass, money or equipment breakdown, adds to the premium. ### The building What the building is made of, how old it is and what businesses run next door all affect the fire risk. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Contents and Fit-out Cover? You need it if you own the chairs, stock and fit-out in a shop, which usually means [barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) and [salon owners](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/). If you [rent a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/), the owner's contents cover usually does not include your things, so look at [tools and equipment insurance](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) instead. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. Pair it with [business interruption cover](https://www.barbershopinsurance.com.au/policies/business-interruption/), which pays the income you lose while the shop is being repaired. ## Other Insurance for Barbershop Owners - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. ## Contents and Fit-out Questions ### Does contents insurance cover my barber chairs? Yes, barber chairs are contents. Set the sum insured, the most the policy pays, at what it would cost to buy the same chairs new today, including delivery and fitting. ### What is fit-out insurance? It covers the improvements you paid for in a leased shop, such as basins, plumbing, benches, lighting and flooring. The landlord's building policy usually does not cover them. ### Is flood covered? Not always. Flood, meaning water rising from a river, creek or the sea, is not part of every policy, and your quote shows whether yours includes it. Check for it if your shop is near water or in a low area. ### Does my landlord's insurance cover my shop? No. The landlord's policy covers the building they own, and your contents, stock and fit-out are yours to insure. The lease often says so. ### Are mirrors covered under glass cover? Often, but check. Some glass cover is for the shopfront and doors only, so make sure internal mirrors are listed if you want them covered. ## Get a Contents and Fit-out Quote Tell us about your shop, what it cost to fit out and what your lease asks for, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Business Interruption Insurance for Barbershops If a fire or burst pipe closes your shop, contents insurance pays to repair the damage and business interruption pays the income you lose while the work is done. Rent, staff wages and loan repayments still have to be paid while the shop is closed. Without this cover, they come out of your own pocket. Source: https://www.barbershopinsurance.com.au/policies/business-interruption/ **What does business interruption insurance cover?** **Business interruption insurance** pays the income you lose while damage that your property cover pays for closes or slows your shop. It also pays the costs you still have, such as **rent, wages and loan repayments**. A fire, storm or burst pipe that closes a barbershop while it is repaired is the kind of claim it pays. ## What Does Business Interruption Cover in a Barbershop? Business interruption pays the income you lose, and the bills you still owe such as rent and wages, while damage that your property cover pays for keeps your shop closed or slows trade. ### A fire closes the shop A fire damages the shop, and it stays closed while it is stripped out, repaired and refitted. Business interruption pays the profit you would have made over that time, and the rent and wages you still owe. ### A burst pipe floods the floor Water through the floor and walls can close a shop while it dries out and is repaired. Your contents insurance pays to fix the damage, and business interruption pays the income you lose while you wait. ### Working from somewhere else If you can keep cutting from a temporary spot, the policy can pay the extra cost of doing that, such as short-term rent, which insurers call **increased cost of working**. ### Damage nearby keeps clients away Some policies also pay when damage to a nearby property, such as a fire in the shopping centre, stops clients reaching you. Ask us whether a policy includes it before you buy. ## When Does Business Interruption Pay Out? ### It follows a property claim Business interruption pays out when your shop closes or slows because of damage that your [contents and fit-out insurance](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) also covers, such as a fire, storm or burst pipe. In most policies, it does not pay for a closure with no damage behind it. ### Illness and quiet trade are not covered It does not pay because you are sick, because a staff member leaves or because trade is quiet. If you are too sick or hurt to work, that is [personal accident and illness insurance](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/). ### Disease closures are often left out Many policies now leave out closures caused by an infectious disease, such as a pandemic shutdown. Check the **exclusions**, the list of things a policy does not pay for, on your quote before you buy. ## What Affects the Price of Business Interruption Cover? Your **premium**, the price of the policy, depends on how much your shop earns, how long you want the policy to pay, the wages you cover, any waiting time before it pays, your premises and your claims history. The exact figure is confirmed on your quote. ### Your gross profit Insurers work from **gross profit**, roughly what the shop takes in a year less the cost of the stock you sell. A busier shop has more to lose. ### The indemnity period The **indemnity period** is how long the policy keeps paying after the damage. A longer period costs more, so choose one that covers a full refit and the time it takes your regulars to come back. ### The wages you cover Many policies let you choose how much of your staff wages to cover, and for how long. ### A time excess Some policies have a **time excess**, the first hours or days of a closure that the policy does not pay for. ### Your premises The things that set your contents price, such as where the shop is, its security and the building, set this price too. ### Your claims history Recent claims can raise the premium. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Business Interruption Insurance? Any [barbershop owner](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) or [hairdresser or salon owner](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) with rent, staff wages or loan repayments to pay should have it, because those bills keep coming while a damaged shop is closed. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. A [mobile barber](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) with no shop has no premises to close, so [tools and equipment insurance](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) and [personal accident and illness insurance](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/) usually matter more. ## Other Insurance for Barbershop Owners - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. ## Business Interruption Questions ### Does business interruption cover me if I am sick? No. It pays when damage to the shop stops trade. If illness or injury stops you working, that is personal accident and illness cover. ### Does business interruption cover a pandemic shutdown? Usually not. Many policies now leave out closures caused by an infectious disease. Check the exclusions, the list of things the policy does not pay for, on your quote. ### How long does business interruption pay for? It pays for the indemnity period, the length of time the policy keeps paying after the damage. You choose that period when you buy. Pick a period long enough to repair the shop and win your clients back. ### Can I buy business interruption on its own? Usually not. It is sold with property cover, such as contents and fit-out insurance, because it only pays after damage that your property cover pays for. We can quote the two together. ### Does it cover my staff wages? It can. Many policies cover the wages you keep paying while the shop is closed, up to the amount and the period you choose. ## Get a Business Interruption Quote Tell us your rent, staff and how long a refit would take, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Workers Compensation for Barbershops If someone works for you, you need it, and that includes casual and part-time barbers, apprentices and the person who answers the phone. The only exceptions are a few employers with very small wage bills. Each state and territory runs its own system, with its own rules on who counts as a worker and how the price of the policy is set. Where you buy the policy depends on where your staff work. Source: https://www.barbershopinsurance.com.au/policies/workers-compensation/ **Do barbershops need workers compensation insurance?** Yes, if you employ staff: every state and territory makes **workers compensation** compulsory for employers. It pays your employees' **wages and medical costs** if they are hurt or become ill because of work. In **WA, Tasmania, the NT and the ACT** it comes from a private insurer, and everywhere else from the state scheme. ## Workers Compensation by State and Territory ### Four places use private insurers In Western Australia, Tasmania, the Northern Territory and the ACT, you buy workers compensation from a private insurer. The insurer must be licensed or approved by the local regulator, such as WorkCover WA or NT WorkSafe. ### Four states run a state scheme In New South Wales the scheme is icare, in Victoria WorkSafe Victoria, in Queensland WorkCover Queensland and in South Australia ReturnToWorkSA. The scheme sets your **premium**, the price you pay, and issues the policy. ### Your staff's state decides it You insure in the state or territory where your staff work. Tell us where that is and we will explain your options, and how workers compensation fits with your other shop insurance. ## What Workers Compensation Covers for Barbers Workers compensation pays an injured employee's wages while they are off work, their medical and rehabilitation costs, and help to get back to work. ### Sore wrists and hands Hours of cutting can lead to **repetitive strain injury**, pain from the same movement over and over. It can also cause **carpal tunnel syndrome**, a pinched nerve in the wrist. Injuries that build up over time can be claimed as well as sudden ones. ### Back, neck and shoulder pain Standing all day and leaning over the chair strains the back and shoulders. If a doctor links it to the work, workers compensation can pay for treatment and time off. ### Cuts from razors and scissors If a barber cuts a hand on a razor or scissors and needs stitches, workers compensation can pay for the treatment. It also pays their wages while they are off work. ### Skin reactions from products **Dermatitis**, an itchy, cracked skin rash, can come from constant hand washing and contact with dyes and chemicals. Staff who get it from their work can make a workers compensation claim. ### A slip on clippings If one of your staff slips on hair on the floor, the claim goes to workers compensation. Public liability only covers people who do not work for you, such as clients. ## Are Chair Renters and Contractors Your Workers? ### Each state has its own test Each state has its own test, and the label on the agreement does not decide it. Someone you call a contractor or chair renter can count as a **deemed worker**, a person your state's workers compensation law treats as your worker. ### What counts as a worker in NSW In NSW, for example, the signs include you directing their work, paying them by the hour or week, or supplying their tools. Check with your state's workers compensation regulator before you rely on the label. ### Cover for your own injury Workers compensation does not cover you if you are a sole trader. If you rent a chair, [personal accident and illness insurance](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/) is the cover for your own injury or illness. ## What Affects the Price of Workers Compensation? Your **premium**, the price of the policy, depends on your wages, your industry rate, your claims record and how accurately you estimate wages. The exact figure is confirmed on your quote, or by the state scheme if you are in one. ### Your total wages Premiums are worked out as a percentage of the wages you pay, so more staff or higher wages mean a higher premium. ### Your industry rate Each system puts your business in an industry class, such as hairdressing, with its own rate. ### Your claims record Past claims can push the premium up, and a clean record helps. ### Declaring wages correctly You estimate wages at the start of the year. The real figure is checked at the end, and the premium is adjusted up or down. Where we arrange the policy, you can spread the premium with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Workers Compensation? Every [barbershop owner](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) and [salon owner](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) with employees needs workers compensation, and it must cover apprentices, casuals and family members on the payroll. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. If you work alone as a [barber](https://www.barbershopinsurance.com.au/trades/barbers/) or [chair renter](https://www.barbershopinsurance.com.au/trades/chair-renters/), workers compensation does not cover you. You need a policy if someone works for you, and that can include a contractor your state counts as your worker. ## Other Insurance for Barbershops - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. ## Workers Compensation Questions ### Is workers compensation compulsory for a barbershop? Yes, if you employ staff. Every state and territory requires employers to hold it, apart from a few employers with very small wage bills. Your state's rules set out exactly who counts as a worker. ### Who provides workers compensation in my state? In WA, Tasmania, the NT and the ACT, you buy it from a private insurer licensed or approved by the state or territory regulator. In New South Wales it is icare, in Victoria WorkSafe Victoria, in Queensland WorkCover Queensland, and in South Australia ReturnToWorkSA. ### Does workers compensation cover me as the owner? Usually not if you are a sole trader, because workers compensation covers employees. Personal accident and illness insurance is the cover for your own injury or illness. ### Do I need workers compensation for an apprentice? Yes. Apprentices and trainees count as your workers, so your policy needs to cover them. ### Is repetitive strain covered? It can be. Injuries that build up over time, such as repetitive strain and carpal tunnel syndrome, can be claimed when a doctor links them to the work. ## Get a Workers Compensation Quote Tell us which state you are in, how many people work for you and your yearly wages, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Cyber Insurance for Barbershops Many barbershops run on an online booking system, a client list with names, phone numbers and emails, and card payments. If someone breaks into any of them, you can lose bookings and takings, and your clients' details can be stolen. Your contents and liability policies usually leave out hacks and data breaches, so cyber is a separate policy. Source: https://www.barbershopinsurance.com.au/policies/cyber/ **What does cyber insurance cover for a small business?** **Cyber insurance** pays the costs after a **hack or data breach**, when someone breaks into your systems or client details are exposed. It usually pays to restore your systems and data, tell affected clients and replace the income you lose while offline. For a barbershop, the systems at risk are the **booking app, client list and card payments**. ## What Cyber Insurance Pays For Cyber insurance pays for experts to get your systems back, the cost of telling clients when their details are exposed, and the income you lose while you are offline. ### Someone takes over your booking account A stolen password lets a stranger cancel bookings or message your clients. Cyber cover pays for experts to lock them out and get the account back. ### Ransomware locks your computer **Ransomware** is a program that locks your files until you pay. The policy pays experts to restore your systems, and some policies also cover the ransom demand, called **cyber extortion**. ### Client details are leaked If client names, numbers or card details are stolen, the policy pays to find out what happened and tell the people affected. It also pays your legal costs if they claim against you. ### Lost income while you are offline If bookings and payments stop working, the policy can pay the income you lose until they are back up. ### A fake invoice or changed bank details Cover for being tricked into paying a scammer, called **social engineering fraud**, is often an optional extra. Ask for it by name if you pay suppliers online. ## Does a Small Barbershop Need Cyber Cover? ### It depends on what runs online It depends on how much of your business runs online. If you only take cash and keep bookings in a paper diary, the risk is small. ### Online bookings and card payments If clients book online, pay by card and get text reminders, a hack can stop your takings and put their names, numbers and card details in the wrong hands. That is when cyber cover is worth having. ### Simple habits lower the risk Use a different strong password for each account and keep your software up to date. Turn on **two-step login**, which sends a code to your phone as well as asking for your password. ## What Affects the Price of Cyber Insurance? Your **premium**, the price of the policy, depends on your turnover, the client data you hold, your limit, your security habits, any extras you add and your excess. The exact figure is confirmed on your quote. ### Your turnover A bigger business has more to lose while it is offline. ### The client data you hold More names, numbers and card details mean more work to fix after a breach. ### The limit you choose The limit is the most the policy pays. A higher limit costs more. ### Your security habits Insurers ask about two-step login, backups and software updates. ### The extras you add Cyber extortion and social engineering fraud can each add to the premium. ### Your excess and claims history The **excess** is the amount you pay towards each claim. A higher excess usually lowers the premium, and recent claims can raise it. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. For how premiums are worked out, read [how much barber insurance costs](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/). ## Who Needs Cyber Insurance? Cyber insurance suits [barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) and [hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) that take online bookings or card payments and keep a client list. Shops with several staff logging in have more ways for someone to get in. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. Solo [barbers](https://www.barbershopinsurance.com.au/trades/barbers/) using a booking app should check what the app provider covers if their account is broken into, and what it leaves to them. ## Other Insurance for Barbers - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. ## Cyber Insurance Questions ### Does my business insurance already cover cyber attacks? Usually not. Most property and liability policies leave out hacks and data breaches, which is why cyber is sold as a separate policy. ### Does cyber insurance pay a ransom? Some policies cover a ransom demand, called cyber extortion, and others do not. The policy wording, the full document setting out your cover, says whether it is included and what the insurer needs from you first. ### Is a scam email covered? Only if your policy includes social engineering fraud, the cover for being tricked into paying a fake invoice or changed bank details. It is often an optional extra, so ask for it by name. ### What should I do first after a cyber attack? If your policy has an incident response line, a number you call for expert help after an attack, call it before you do anything else. Do not pay a ransom on your own. Change your passwords and keep a record of what happened. ### Does cyber insurance cover my booking app? Usually, yes. Most cyber policies cover your costs when your accounts or data are attacked, including your booking account. Check the app provider's own terms to see what it takes responsibility for. ## Get a Cyber Insurance Quote Tell us how clients book and pay, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Personal Accident and Illness Insurance for Barbers A broken wrist, a bad back or a serious illness can stop you cutting for weeks. If you work for yourself, nobody pays you while you recover. Personal accident and illness cover is the income cover you buy for yourself. Source: https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/ **What is personal accident and illness insurance?** **Personal accident and illness insurance** pays you a **weekly benefit** if an injury or illness stops you working. The benefit is a regular payment that stands in for your income. It matters most if you are **self-employed**, because workers compensation covers employees, not a sole trader or chair renter cutting for themselves. ## What Personal Accident and Illness Cover Pays For Personal accident and illness cover pays you a regular amount while an injury or illness stops you working. Most policies cover you at work and away from it. ### A broken wrist A fall at the gym or on the footpath breaks your wrist, and you cannot hold the clippers for weeks. The policy pays your weekly benefit once the waiting period, the set number of days you must be off work first, is over. ### A bad back or shoulder Years of standing and leaning over the chair can catch up with you. Whether an injury that builds up over time is covered depends on the **policy wording**, the document that sets out what the policy covers, so ask us to check it before you buy. ### An illness that keeps you home If you choose accident and illness cover, not accident only, time off for a serious illness or surgery can be covered. ### A permanent injury If an accident leaves a permanent injury, such as losing the use of a hand, many policies pay a one-off lump sum on top of the weekly benefit. ## Terms to Understand Before You Buy The weekly benefit, the waiting period, the benefit period and the rules on pre-existing conditions decide what a personal accident policy pays and when. ### The weekly benefit replaces income The **weekly benefit** is the amount the policy pays each week while you cannot work. It is usually capped at a share of your income. ### The waiting period comes first The **waiting period** is the number of days you must be off work before payments start. A shorter waiting period costs more. ### Payments stop at the benefit period The **benefit period** is the longest the policy will keep paying for one injury or illness. A longer benefit period costs more. ### Past health problems may be excluded **Pre-existing conditions**, health problems you had before the policy started, are usually left out, at least for a time. Tell the insurer about them when you apply. ## Personal Accident Cover and Workers Compensation ### Workers compensation covers your staff [Workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/) covers your employees. It does not cover you if you are a sole trader, and it usually does not cover a chair renter working for themselves. ### Personal accident cover pays you Personal accident and illness cover fills that gap for the person who owns the business. If you have staff and also cut hair yourself, you may need both. ## What Affects the Price of Personal Accident Cover? Your **premium**, the price of the policy, depends mostly on your age, the weekly benefit you choose and your waiting and benefit periods. Whether illness is included, your health and activities, and your claims history also count. The exact figure is confirmed on your quote. ### Your age Older people usually pay more, because the chance of injury and illness rises. ### Your weekly benefit A higher weekly payment costs more. ### Waiting and benefit periods A shorter wait and a longer benefit period both raise the premium. ### Illness cover Accident-only cover costs less than accident and illness together. ### Your health and activities Your medical history and risky sports or hobbies can change the price. ### Your claims history Recent claims can raise the premium. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Needs Personal Accident and Illness Cover? Self-employed [barbers](https://www.barbershopinsurance.com.au/trades/barbers/), [chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/) and [mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) need it most, because their income stops when they stop working. [Barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) who cut in the shop themselves should look at it too. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. If you already hold income protection through your superannuation fund, check what it pays and when before you add more. ## Covers That Sit Alongside Personal Accident - [Workers Compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/): Covers wages and medical costs for employees hurt at work. Each state and territory sets its own rules. - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. ## Personal Accident Questions ### Is personal accident the same as income protection? They are similar. Personal accident and illness is usually a shorter-term cover renewed each year, and income protection is a longer-term life insurance product. Both pay a regular amount while you cannot work. ### Does it cover injuries outside work? Most personal accident policies cover you at work and away from it. Check the policy wording for any activities it leaves out. ### How soon does it start paying? It starts paying after the waiting period you choose, which usually counts from the day a doctor says you cannot work. A shorter waiting period costs more. ### Do I need it if I have workers compensation? Workers compensation covers your employees. It usually does not cover you as a sole trader. Personal accident cover is how you protect your own income. ### Do I need to tell the insurer about past injuries? Yes. Tell the insurer about past injuries and health conditions when you apply. They may be left out of the cover, but hiding them can put a claim at risk. ## Get a Personal Accident Quote Tell us what you earn and how long you could manage without pay, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Who We Cover What you need depends on how you work. A barber employed in a shop is usually covered by the shop's policies. A chair renter, a mobile barber or a barber with private clients needs cover of their own. We are a broker: we take your details to insurers and explain the options we find. Source: https://www.barbershopinsurance.com.au/trades/ **Who does Barbershop Insurance cover?** **Barbershop Insurance** arranges cover across Australia for **barbershop owners**, **barbers**, **chair renters**, **mobile barbers** and **hairdressers and salons**. Anyone with their own clients needs **public liability** and **treatment risk** cover, which pays when a service hurts a client. Owners add **contents**, **business interruption** for lost income and, with staff, **workers compensation**, and anyone with their own kit adds **tools cover**. ## Insurance for Barbers Across Australia We arrange insurance for barbers across Australia, whether you own a shop, work in one, rent a chair, travel to clients or run a salon. Each carries different risks, so pick the one closest to how you work to see the covers you need. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. Some barbers work more than one way, such as renting a chair and cutting at clients' homes. If that is you, tell us every place you work so your policy lists them all. ## Which Covers Does Each Type of Barber Need? Anyone who takes their own clients usually needs [public liability](https://www.barbershopinsurance.com.au/policies/public-liability/) and **treatment risk** cover. Public liability pays injury and damage claims, and treatment risk, the part of professional indemnity, pays when a cut, shave or colour hurts a client. The rest depends on whether you own a shop, carry your own kit or employ staff. ### You own a barbershop Add [contents and fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) cover for stock and the fittings you built in. [Business interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/) pays the income you lose after damage such as a fire, and once you employ staff the law requires [workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/). See [insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/). ### You work for a shop owner Your employer's policies usually cover the work you do in their shop, and their workers compensation covers you if you are hurt at work. For clients you see privately, at home or on your days off, you need your own. See [insurance for barbers](https://www.barbershopinsurance.com.au/trades/barbers/). ### You rent a chair You run your own business inside someone else's shop, so the shop's policy usually does not cover you. Add [tools cover](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) for your kit, and [personal accident and illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/) cover, which pays you weekly if an injury or illness stops you working. See [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/). ### You cut at homes or events Home and car policies often leave out business use. Your public liability needs to list that work, and your tools cover needs to include the kit you carry in the car. See [mobile and home-based barber insurance](https://www.barbershopinsurance.com.au/trades/mobile-barbers/). ### You are a hairdresser We arrange the same covers for hairdressers and hair salons as for barbers. Make sure your [treatment risk cover](https://www.barbershopinsurance.com.au/policies/professional-indemnity/) includes colour, bleach and chemical work such as perms and straightening. See [hairdresser and salon insurance](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/). ## What Insurance Will a Landlord or Shop Owner Ask For? Landlords and shop owners usually ask for public liability, and they will want to see your **certificate of currency**, a short document from your insurer that proves your cover is active. For what it shows, read [certificate of currency for barbershops, explained](https://www.barbershopinsurance.com.au/insights/certificate-of-currency-for-barbers/). ### Your landlord asks before you open Your landlord will want to see a certificate before you get the keys. Leases commonly set a minimum public liability limit, the most the insurer pays for one claim. We can arrange $5 million, $10 million or $20 million. ### Shop owners ask chair renters If you rent a chair, the shop owner will often ask for your certificate before you start. If you own the shop, ask every renter for one, because a claim against a renter with no cover can end up with you. ### Organisers ask mobile barbers Event organisers will often ask for a certificate before the day. Once your policy is in place, ask us for one whenever a landlord, shop owner or organiser wants to see it. ## What Affects the Price of Barber Insurance? Your **premium**, the price of your insurance, depends on how you work and the services you offer. Your staff, turnover, covers and limits, kit and claims history count too. The exact figure is confirmed on your quote. ### How you work Your own shop, a rented chair, a home studio and mobile work each carry different risks. ### The services you offer Straight-razor shaves, colour and chemical work such as perms and straightening can cost more to cover than clipper cuts alone. ### Staff and turnover More staff and a higher turnover, your yearly sales, mean more work to insure, and once you employ staff you also need workers compensation. ### Covers and limits The covers you choose and the public liability limit you pick set the base price. ### What your kit is worth The more your clippers, chairs and fit-out would cost to replace, the more the policy has to insure. ### Claims history Recent claims can raise the premium. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you. You then repay it weekly, fortnightly, monthly, quarterly or every six months. For how premiums are worked out, read [how much barber insurance costs](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/). ## Common Questions About Barber Insurance ### What insurance does a barber need? Most barbers who take their own clients need public liability, treatment risk cover and tools cover. Treatment risk cover pays when a cut, shave or colour hurts a client. A barber employed in a shop is usually covered by the shop's policies, and a shop owner adds contents, business interruption and workers compensation. ### Is barber insurance compulsory? Partly: workers compensation is compulsory once you employ staff, apart from a few employers with very small wage bills. The law usually leaves public liability up to you, though some states and territories require it for certain jobs. Landlords and shop owners will often ask for it before you start. ### Does the shop's insurance cover me if I work there? Yes, if you are an employee, for the work you do in the shop. It usually does not cover a chair renter, or clients you see privately at home or on your days off. For those you need your own public liability and treatment risk cover, which pays when a service hurts a client. ### Do you arrange insurance for hairdressers? Yes. We arrange the same covers for hairdressers and hair salons across Australia as we do for barbers. Make sure your treatment risk cover, which pays when a service hurts a client, includes colour, bleach and chemical work such as perms and straightening. ### How much does barber insurance cost? Your price is confirmed on your quote. It depends on how you work, the services you offer, your staff and turnover, your covers and limits, and any past claims. You can pay in one go or by instalments through premium funding, where a finance company pays the insurer and you repay it. ## Get a Quote for Your Shop, Chair or Salon Tell us how you work, where you cut and the services you offer, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Insurance for Barbershop Owners Owning the shop means you carry the risk for the premises, the people who walk in and the staff who work for you. Each of those is a different cover. You can buy them one at a time or together as a business package. Either way, we explain what each one does before you decide. Source: https://www.barbershopinsurance.com.au/trades/barbershop-owners/ **What insurance does a barbershop owner need?** A barbershop owner usually needs **public liability**, **contents and fit-out** cover, **business interruption** for lost income, and **workers compensation** once they employ staff. Many owners add **treatment risk** cover for claims that a service caused harm, **tools cover**, and **cyber** cover for hacks and data breaches. Your lease will often set the minimum public liability limit. ## The Covers a Barbershop Owner Needs A barbershop owner usually needs public liability, contents and fit-out, business interruption and workers compensation. The other three covers depend on how your shop runs, such as the services you offer and whether you take online bookings. ### Public liability Covers injury and damage claims from clients and anyone else in your shop, and the legal costs of defending them. Your limit, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Contents and fit-out Covers your chairs, mirrors, stock and fit-out, the benches, lighting and plumbing you built into the shop, against fire, storm, theft and burst pipes. Glass and money cover are options you can add. More: https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/ ### Business interruption Covers lost income and ongoing costs, such as rent and wages, while the shop is closed after damage such as a fire. More: https://www.barbershopinsurance.com.au/policies/business-interruption/ ### Workers compensation Covers staff who are hurt at work, including apprentices and casuals, and employers must hold it by law. In WA, Tasmania, the NT and the ACT it comes from a licensed private insurer, and in the other states from the state scheme. More: https://www.barbershopinsurance.com.au/policies/workers-compensation/ ### Professional indemnity and treatment risk Covers claims that a cut, shave or colour by any barber in your shop caused harm, such as a razor cut or a dye reaction. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Cyber Covers the costs of a hack or a data breach, which matters if you take online bookings or keep a client list. More: https://www.barbershopinsurance.com.au/policies/cyber/ ### Commercial legal expenses Pays legal costs for covered disputes, such as a tax audit, up to $100,000 per claim and $250,000 in total for the policy period. The excess, the amount you pay towards each claim, is $1,000. Tax audit cover starts after a 90-day wait, and the terms are confirmed on your quote. ## What Can Go Wrong for a Barbershop Owner? A barbershop owner can face a claim from a client who gets hurt, a service that goes wrong, damage that closes the shop or a staff injury. Each claim comes to the business, and each one needs a different cover. ### A client slips on clippings If a client slips on hair clippings and breaks a wrist, [public liability](https://www.barbershopinsurance.com.au/policies/public-liability/) pays their claim and your legal costs. ### One of your barbers nicks a client The client can claim against your business, not only the barber. Your [treatment risk cover](https://www.barbershopinsurance.com.au/policies/professional-indemnity/), which pays when a service hurts a client, needs to include every barber who works for you. ### A chair renter's client is hurt If a renter has no cover of their own, their client may claim against your business instead. Ask every renter for their own public liability before they start. Ask for their **certificate of currency** too, the short document from their insurer that proves the cover is active. Renters can see [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/). ### A fire closes the shop for weeks [Contents and fit-out cover](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) pays to refit the shop, and [business interruption insurance](https://www.barbershopinsurance.com.au/policies/business-interruption/) pays the rent and wages while the shop is closed. ### A barber develops carpal tunnel Carpal tunnel syndrome, a pinched nerve in the wrist, can build up over years of cutting. A staff injury that builds up over time can be a [workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/) claim. ## What Insurance Will Your Landlord Ask For? ### Proof of cover before you open Your landlord will want to see a **certificate of currency** before you get the keys. It is a short document from the insurer that shows your covers, limits and policy dates. ### What the lease usually asks for Leases commonly set a minimum public liability limit and ask for glass cover on the shopfront. Some also ask for the landlord to be noted on the policy as an **interested party**, which tells the insurer they have a stake in your cover. Send us the insurance clause and we will set the policy up to match. ### Certificates after you open Once your policy is in place, ask us for a certificate of currency whenever a landlord, shopping centre or event organiser wants one. ## What Affects the Price for a Barbershop? Your **premium**, the price of your insurance, depends on your staff and wages, turnover, location and lease, the covers and limits you choose, your security and your claims history. The exact figure is confirmed on your quote. ### Staff and wages More staff means more treatment risk and a higher workers compensation premium. ### Turnover Insurers use what the shop takes in a year as a guide to its size. ### Location and lease A shopping-centre site, a street shop and a suburb prone to storms are each priced differently. ### Covers and limits The covers you choose and the public liability limit you pick set the base price. ### Security and the building Alarms, deadlocks and the building's construction affect the property covers. ### Claims history Recent claims can raise the premium. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. For how premiums are worked out, read [how much barber insurance costs](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/). ## Questions From Barbershop Owners ### Do I need insurance before I open a barbershop? Usually, yes. Your landlord will want to see a certificate of currency, a short document from the insurer that proves your cover, before you open. You need workers compensation once you employ staff, and your state sets how soon it must be in place, so ask us about both before opening day. ### Do my barbers need their own insurance? Not if they are your employees, because your business policies usually cover them. Chair renters and contractors run their own businesses, so they need their own public liability. ### Can I put all my covers on one policy? Not all of them. Public liability, contents, glass, money, theft and business interruption are often packaged together as a business policy, while workers compensation and cyber are separate policies. ### What public liability limit does my lease need? Your lease sets the minimum in its insurance clause. Your limit is the most the insurer pays for one claim, so choose $5 million, $10 million or $20 million to meet that minimum. ### Can I pay my insurance monthly? Yes. With premium funding, a finance company pays the insurer for you. You repay it weekly, fortnightly, monthly, quarterly or every six months instead of once a year. ## Other People We Cover - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. ## Get a Quote for Your Barbershop Tell us about your shop, your staff and your lease, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Insurance for Barbers What you need depends on how you work. An employed barber, a self-employed barber with their own regulars and a barber who owns the shop each carry different risks. If you are on someone's payroll, their business insurance usually covers the work you do for them. The moment you take your own clients, rent a chair or travel to cut, you need your own. Source: https://www.barbershopinsurance.com.au/trades/barbers/ **What insurance does a barber need in Australia?** Most barbers need **public liability** for injury and damage claims and **treatment risk** cover for claims that a cut, shave or colour caused harm. Add **tools and equipment** cover for your clippers and kit, and **personal accident and illness** cover if you work for yourself. If you employ staff, the law requires **workers compensation**, which pays staff hurt at work. ## The Covers Barbers Need Most barbers need public liability and treatment risk cover for claims from the people in their chair, and tools cover for their kit. Personal accident cover replaces your income if you work for yourself, and workers compensation covers anyone you employ. ### Public liability Covers claims from clients and the public for injury or damage. Your limit, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Professional indemnity and treatment risk Covers claims that the shave, cut or colour itself caused harm, such as a razor cut, a hot towel burn or a dye reaction. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Tools and equipment Covers your clippers, scissors and styling tools against theft and damage, in the shop and on the road. More: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ ### Personal accident and illness Pays you a weekly benefit, a regular payment in place of your income, if an injury or illness stops you cutting. It matters most when you work for yourself. More: https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/ ### Workers compensation Pays your employees' wages and medical costs if they are hurt or become ill because of work. The law requires it once you employ staff, and that includes an apprentice. More: https://www.barbershopinsurance.com.au/policies/workers-compensation/ ## Common Risks for Barbers The main risk for a barber is a client hurt by the service, such as a cut, a burn or a reaction to dye. The others are your kit being stolen and an injury that stops you working. ### A razor nick during a line-up A client flinches while you shave a sharp edge around their hairline, known as a line-up, and needs stitches. Their claim for the scar falls under treatment risk cover, or under public liability if your policy covers the service. ### A hot towel that is too hot A towel heated for too long can burn a client's face or neck. They can claim for medical treatment and time off work, and that claim falls under treatment risk cover. ### A reaction to beard dye Beard dye can cause an allergic reaction days after the appointment, and the claim falls under treatment risk cover. Do a patch test first, a small dab of dye on the skin to check for a reaction, and write down the result. ### Clippers taken from the car A kit bag stolen from your car is a [tools and equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) claim. Each policy sets its own conditions for theft from a car, and we explain them on your quote. ### A wrist injury that stops you cutting Workers compensation does not cover a sole trader. If you work for yourself, [personal accident and illness cover](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/) pays you a weekly benefit while you recover. ## Which Covers Do You Need to Buy Yourself? That depends on how you work. An employed barber is usually covered by the shop's policies, and a barber who takes their own clients needs their own cover. ### You work for a shop owner Your employer's policies usually cover the work you do in their shop, and their workers compensation covers you if you are hurt at work. Clients you see privately, at home or on your days off, are not covered by your employer's policy. ### You work for yourself You need your own public liability and treatment risk cover, plus tools cover for your kit. Workers compensation does not cover a sole trader, so personal accident cover is what replaces your income. ### You rent a chair You run your own business inside someone else's shop, so the shop's policy usually does not cover you. See [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/). ### You cut at homes or events Your public liability needs to list that work, and your tools cover needs to include the kit you carry in the car. See [mobile and home-based barber insurance](https://www.barbershopinsurance.com.au/trades/mobile-barbers/). ## Do You Need Insurance If You Have an ABN? ### An ABN alone does not require cover Having an **ABN**, an Australian Business Number, does not on its own make any insurance compulsory. The law requires workers compensation once you employ staff, and some states and territories require public liability for certain jobs. ### Sole traders pay claims personally A barber with an ABN is running a business, and a claim from a client is paid by the business. For a **sole trader**, someone who runs the business in their own name, that means you personally. ### Landlords and shop owners ask for it Landlords, shop owners and event organisers usually ask to see your public liability before they let you cut, so have it in place before you start. ## Questions From Barbers ### Do barbers need insurance in Australia? By law you need workers compensation once you employ staff. The law usually leaves public liability up to you, but landlords and shop owners will often ask for it before you can cut. ### Am I covered by my employer's insurance? Usually, for the work you do for them in their shop. Private clients you see at home or on your days off are not covered by your employer's policy. ### What insurance do I need as a sole trader barber? You need public liability and treatment risk cover for your clients, and tools cover for your clippers and scissors. Add personal accident and illness cover for your income, because workers compensation does not cover a sole trader. ### How much does barber insurance cost? Your price is confirmed on your quote. It depends on the covers and limits you choose, your turnover, the services you offer, where you work and any past claims. ### Can I pay my insurance monthly? Yes. With premium funding, a finance company pays the insurer for you. You repay it weekly, fortnightly, monthly, quarterly or every six months instead of once a year. ## Other People We Cover - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. ## Get a Barber Insurance Quote Tell us how you work and the services you offer, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Insurance for Barbers Renting a Chair Chair renting, also called **booth rental**, means you pay the shop owner for a chair and keep your own takings. You set your own bookings and prices, and you carry your own risk. If your client is hurt, or says your work harmed them, the claim is against you, not the shop. Source: https://www.barbershopinsurance.com.au/trades/chair-renters/ **Do chair renters need their own insurance?** Yes. When you **rent a chair**, you run your own business, and the shop's insurance usually covers only the owner's. You need your own **public liability** for injury and damage claims, **treatment risk** cover for claims about your work, and **tools cover**. The shop owner will often ask for your **certificate of currency**, proof your policy is active. ## Does the Shop's Insurance Cover a Chair Renter? ### The shop's policy covers the owner Usually not. The shop owner's policy covers the owner's business: their staff, their contents and the shop's own public liability. It usually does not cover a renter's clients, work or tools. ### Your policy covers your business Your own policy covers your clients, the services you do and your own tools. It is in your name, so it moves with you if you change shops. Tell us the new address when you do. ### You might count as a worker Each state has its own test for who counts as a worker. In NSW, for example, the signs include the shop owner directing your work, paying you by the hour or supplying your tools. If they apply, you may count as their worker for [workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/), the insurance that covers injured employees. ## The Covers a Chair Renter Needs A chair renter needs **public liability**, **treatment risk** cover and **tools cover**. Personal accident and illness cover is worth adding, because you have no employer paying you sick leave. ### Public liability Public liability pays claims from your clients and the public for injury or damage. Your limit, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Professional indemnity and treatment risk Treatment risk cover pays claims that your shave, cut or colour caused harm, such as a razor cut or a reaction to dye. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Tools and equipment Tools cover pays to repair or replace your clippers, scissors and styling tools if they are stolen or damaged. The shop owner's contents insurance does not cover them. More: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ ### Personal accident and illness This cover pays you a **weekly benefit**, a regular payment in place of your income, if an injury or illness stops you working. More: https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/ ## What Can Go Wrong When You Rent a Chair? A client can get hurt, a client can react to your work, your tools can be stolen, or you can be hurt yourself. Each one falls on your business, and the shop owner's insurance usually will not pay. ### Your client slips on the way to your chair It is the shop owner's floor, but your client may still claim against you. Your public liability covers that claim. ### A client reacts to beard dye A reaction to a product you applied is a claim about your work. Your treatment risk cover pays that claim. ### Your tools are stolen in a break-in The owner's [contents insurance](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) pays for the owner's things. Your clippers and kit need your own tools cover. ### You break your wrist If an injury stops you cutting, your income stops too. Personal accident and illness cover pays you a weekly benefit while you cannot work. ## What Will the Shop Owner Ask For? ### Proof your cover is active The shop owner will often ask for a **certificate of currency** for your public liability before you start. It is a short document from your insurer that shows your cover is active and what your limit is. ### The limit in your agreement Your rental agreement may name a minimum limit for your public liability. We can arrange $5 million, $10 million or $20 million, and a certificate to show the owner. ### If you own the shop Ask every renter for a current certificate when they start and again each year when their policy renews, because a claim against a renter with no cover can end up with you. See [insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) for the covers a shop owner needs. ## Questions From Chair Renters ### Does the shop's insurance cover me if I rent a chair? Usually not. The shop's policy covers the owner's business. As a renter you run your own business, so you need your own public liability and treatment risk cover. ### What is booth rental insurance? It is the set of covers a barber or hairdresser needs when renting a chair. That means public liability, treatment risk and tools cover, often with personal accident and illness cover. ### Do I need workers compensation as a chair renter? Not for yourself, because workers compensation covers employees. You might still count as the shop owner's worker under your state's rules. In NSW, for example, the signs include the owner directing your work, paying you by the hour or supplying your tools. ### What limit does the shop owner want? Check your rental agreement. We can arrange $5 million, $10 million or $20 million, and a certificate of currency to show the owner. ### Can I keep my insurance if I move shops? Yes. The policy is in your name and covers your business. Tell us the new address so the policy and your certificate stay correct. ## Other People We Cover - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. ## Get a Chair Renter Quote Tell us where you rent and the services you offer, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Mobile and Home-Based Barber Insurance Cutting hair from home or on the road keeps your costs down. It also means your home, your car and your tools carry business risks. If a client trips on your front step or your clippers are taken from the car, your home and car policies may not pay. Source: https://www.barbershopinsurance.com.au/trades/mobile-barbers/ **What insurance does a mobile barber need?** A **mobile barber** needs **public liability** that covers work in clients' homes and at events, and **treatment risk** cover, which pays if a cut, shave or colour hurts a client. Add **tools cover** for the kit you carry in the car. A **home-based barber** should also check their **home and car policies**, because many leave out business use. ## Why Your Home and Car Insurance Is Not Enough ### Home insurance may leave out business Home and car policies are written for private life, and many home policies leave out business activity or cap it at a small amount. A client hurt in your home studio, or clippers lost in a house fire, may not be covered. ### Tell your car insurer about work Driving between clients with your tools in the boot can count as business use. Tell your car insurer how you use the car, because a policy taken out for private use only may not pay a claim. ### Check your lease or strata rules If you rent your home or live in a unit, check that your lease or **strata by-laws**, the rules set for everyone in your block of units, allow a home business with clients coming in. ## The Covers a Mobile Barber Needs A mobile barber usually needs four covers: public liability, professional indemnity and treatment risk, tools and equipment, and personal accident and illness. Tell us every place you cut, so each policy matches the work you do. ### Public liability Covers injury and damage claims at clients' homes, at events and in your home studio. Your limit, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Professional indemnity and treatment risk Covers a claim that a cut, shave or colour hurt a client, whether you did it at their home, at an event or in your studio. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Tools and equipment Pays to repair or replace your clippers, scissors and styling tools if they are stolen or damaged in the car, at a client's home or at an event. More: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ ### Personal accident and illness Pays you a weekly amount if an injury or illness stops you working, including an injury from a car accident on the way to a job. More: https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/ ## Risks on the Road and at Home The main risks for a mobile barber are a client hurt where you cut, kit stolen from the car, a reaction to a treatment and an injury that stops you working. Each one is a claim on a different cover. ### A client trips over your clipper cord Even if it happens in their own lounge room, they can still claim against you. Public liability can cover it, as long as the policy lists mobile work. ### Kit stolen from the car between jobs Tools and equipment cover pays for stolen kit, but many policies pay only if the car was locked, the kit was out of sight and someone forced their way in. ### A dye reaction before a wedding If a groom reacts to beard dye on the morning of his wedding, the claim is about the treatment itself. That goes to **treatment risk** cover, which pays when a cut, shave or colour hurts a client. ### A crash on the way to a client Damage to the car goes on your car insurance. If you are hurt and cannot work, personal accident and illness cover pays you a weekly amount. ## Working From a Home Studio ### List your home as a workplace A **home studio**, a chair set up in a spare room or garage, brings clients onto your property. Your public liability needs to list your home address as a place you work, so a client who trips on your front step is covered. ### Check with your local council Your local council may have rules for running a business from home with clients visiting. Check with them before you take your first booking. ### If you also rent a chair If you also cut in a shop on some days, tell us every place you work so the policy lists them all. See [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/) for the covers a renter needs. ## Questions From Mobile Barbers ### Does my home insurance cover my home barber studio? Often not. Many home policies leave out business activity or limit it. You need public liability for clients who visit and cover for the tools you use. ### Do I need to tell my car insurer I am a mobile barber? Yes. Carrying tools and driving between clients can count as business use, and a policy taken out for private use only may not pay. Tell your car insurer how you use the car. ### Are my tools covered when I leave them in the car? Theft from a car is often covered only if it was locked, the tools were out of sight and someone forced their way in. Many policies leave out tools left in the car overnight. ### What insurance do you need for mobile hairdressing? You need the same covers as a mobile barber: public liability that covers work at clients' homes and events, and tools cover. You also need treatment risk cover, which pays if a colour or chemical treatment hurts a client. ### Does my public liability cover weddings and events? It can, if the policy lists mobile and event work. Organisers will often ask before the day for a certificate of currency, a short document from your insurer that proves your cover is active. ## Other People We Cover - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/): We arrange cover for the work you do in the chair and the tools you use. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): We arrange the same covers for hairdressers and hair salons. ## Get a Mobile Barber Quote Tell us where you cut and what kit you carry, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Hairdresser and Salon Insurance We arrange the same covers for hairdressers and hair salons as we do for barbers. The main difference is chemical work: colour, bleach, toners, relaxers and smoothing treatments carry more risk than a clipper cut. A reaction or a burn from a product is a claim about the service itself, so make sure your cover includes treatment risk, which pays when a service harms a client. Source: https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/ **What type of insurance does a hairdresser need?** **Salon insurance** for a hairdresser who works for themselves usually starts with **public liability**, plus **treatment risk** cover for claims that **colour, bleach or a chemical treatment** caused harm. A **salon owner** adds **contents and fit-out** cover for the basins, chairs and fittings, **business interruption** and, once they employ staff or apprentices, **workers compensation**. Mobile hairdressers and chair renters add **tools cover**. ## What Claims Come From Colour, Bleach and Chemical Work? Colour, bleach and chemical treatments can lead to claims for allergic reactions, scalp burns, broken hair, fumes and stained clothes. Most of these fall under **treatment risk** cover, which pays when a service harms a client. Dye on a client's clothes is a public liability claim. ### An allergic reaction to hair dye Some hair dyes contain **PPD** (para-phenylenediamine), a chemical that can cause a severe allergic reaction, sometimes days after the appointment. A client who reacts can claim for their medical treatment. ### A chemical burn from bleach Bleach or lightener left on too long can burn the scalp. The client can claim for medical treatment and the cost of repairing the hair. ### Hair breakage after a treatment **Over-processing**, putting chemicals on hair that is already damaged, can make it snap. A client who loses length or patches of hair may claim. ### Fumes from a smoothing treatment Some smoothing treatments give off fumes and need good airflow. A client affected by the fumes can claim, and a staff member's claim goes to [workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/). ### Colour on a client's clothes Dye on a silk top or a leather bag is damage to their property, which is a [public liability](https://www.barbershopinsurance.com.au/policies/public-liability/) claim. ## What Insurance Does a Hair Salon Need? Anyone who owns a salon, rents a chair or works for themselves needs public liability and treatment risk cover. Salon owners add contents, business interruption and workers compensation, and anyone who carries their own kit adds tools cover. ### Public liability Covers injury and damage claims from clients and the public, with a limit, the most the insurer pays for one claim, of $5 million, $10 million or $20 million. More: https://www.barbershopinsurance.com.au/policies/public-liability/ ### Professional indemnity and treatment risk Covers claims that colour, bleach, a chemical treatment or a cut caused harm. More: https://www.barbershopinsurance.com.au/policies/professional-indemnity/ ### Contents and fit-out Covers basins, chairs, dryers, stock and the fit-out, the fixtures and fittings you put into the salon, against fire, storm, theft and burst pipes. More: https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/ ### Business interruption Covers lost income, rent and wages while the salon is closed after damage. More: https://www.barbershopinsurance.com.au/policies/business-interruption/ ### Workers compensation The law requires it once you employ staff. Salon staff can claim for dermatitis, an itchy, cracked skin rash from constant washing and chemicals. More: https://www.barbershopinsurance.com.au/policies/workers-compensation/ ### Tools and equipment Covers your scissors, dryers and straighteners against theft and damage, in the salon and on the road. More: https://www.barbershopinsurance.com.au/policies/tools-and-equipment/ ## Apprentices, Juniors and Staff Apprentices count as workers for workers compensation, the same as full-time, part-time and casual staff. Once you employ staff, including an apprentice or a junior who works at the basins, you need workers compensation, apart from a few employers with very small wage bills. The rules vary by state and territory: see [workers compensation by state and territory](https://www.barbershopinsurance.com.au/policies/workers-compensation/#by-state). ## Which Covers Do You Need to Buy Yourself? Salon owners, chair renters and mobile hairdressers buy their own covers, and an employed stylist is usually covered by the salon. ### Salon owner You need public liability, treatment risk for every stylist, contents, business interruption and workers compensation. A salon needs the same covers as a barbershop, so see [insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/). ### Employed stylist Your employer's policies usually cover the work you do in their salon. Clients you see privately, outside the salon, need your own public liability and treatment risk cover. ### Renting a chair in a salon You run your own business inside someone else's salon, so you need your own public liability and treatment risk. See [insurance for chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/). ### Mobile or home-based hairdresser Home and car policies often leave out business use, so you need your own public liability, treatment risk and tools cover. See [mobile and home-based insurance](https://www.barbershopinsurance.com.au/trades/mobile-barbers/). ## Do You Need to Tell Us When You Add a Service? A policy covers the business activities written on it. Tell us before you add a new service, such as keratin smoothing, hair extensions or relaxers. We will check that your public liability and treatment risk cover include it. The same applies when you change how you work: renting a chair in another salon, working from home or taking your tools to clients' homes and weddings. ## How Much Does Salon Insurance Cost? There is no set price for hairdresser insurance. The insurer works out your **premium**, the price of the policy, from the details you give us, and it is confirmed on your quote. These details change the price: ### The services you offer Colour, bleach and chemical treatments can add to the price compared with cutting and styling alone. ### Your public liability limit Your **limit**, the most the insurer pays for one claim, can be $5 million, $10 million or $20 million, and a higher limit costs more. ### Your turnover Insurers use what the salon takes in a year as a guide to how many clients you see. ### The covers you choose Each cover you add, such as contents or business interruption, adds to the price. ### Your staff and wages The insurer prices workers compensation mainly on your wage bill and the kind of work your salon does. ### What your contents and tools are worth Chairs, basins, dryers, stock and the fit-out set your **sum insured**, the most the insurer pays to replace them, and a higher sum insured costs more. ### Your excess A higher **excess**, the amount you pay towards a claim, usually lowers the premium. ### Your claims history The insurer also looks at any claims you have made in the past. You can pay the premium in one go, or spread it with **premium funding**, where a finance company pays the insurer for you and you repay it weekly, fortnightly, monthly, quarterly or every six months. ## Who Will Ask to See Your Insurance? A **certificate of currency** is a short document from your insurer that shows your policy is active, your limit and the policy dates. Landlords and salon owners often ask to see one before you start. Once your cover is in place, ask us for a copy whenever someone needs it. ## How Can a Salon Lower Its Treatment Risk? ### Test before every chemical service Patch test before every colour by putting a small amount of the product on the client's skin, as its instructions say, and record the date and result. Before using bleach or lightener on hair that has been coloured before, try it on a few strands first. ### Keep a client card for chemical work Write up a client card for every chemical service: the product, its strength, how long it stayed on and any reaction. If a client later says a treatment harmed them, those notes help defend the claim. ### Keep the air moving with smoothing treatments Keep the air moving when you use smoothing treatments. Follow the product's safety data sheet, the maker's instructions for using and storing it safely. ### Wear gloves for colour work Wear gloves to mix and apply colour. They protect your own skin from dermatitis, the itchy, cracked rash that constant washing and chemicals can cause. ## Hairdresser and Salon Insurance Questions ### Is hairdresser insurance compulsory? Workers compensation is compulsory once you employ staff, apart from a few employers with very small wage bills. The law usually leaves public liability up to you, but salon landlords and shop owners will often ask for it before you start. ### Does public liability cover a hair dye reaction? Not always. Some policies leave a reaction caused by the service itself to treatment risk cover, which pays when a service harms a client. Check both are on your policy. ### What should I do if a client says I damaged their hair? Write down what happened, keep the client card and product details, and do not admit fault or offer money. Then call your broker or insurer to start the claim. ### Does salon insurance cover the products I sell? Yes, if your policy includes products liability. That is the part of a public liability policy that covers injury or damage caused by something you sell, such as shampoo, treatments or styling products. Check it is listed on your policy. ### Can I get insurance if I rent a chair in a salon? Yes. As a chair renter you need your own public liability, treatment risk and tools cover. The salon's policy usually covers the owner's business only. ## Other People We Cover - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): We arrange cover for your premises, fit-out and staff, and for the public who come into your shop. - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/): The shop's policy usually does not cover you. You need your own. - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): We arrange cover for the tools you carry and the work you do in clients' homes. ## Get a Hairdresser or Salon Quote Tell us about your salon or chair and the services you offer, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Making a Claim If anyone is hurt or in danger, call 000 first. Then call Grace Insurance's claims line, open 24 hours, 7 days, and tell us what happened. We are the barber arm of Grace Insurance, so our claims line is Grace's. Photograph the damage before you clean up, keep anything that is damaged, and do not book repairs until the insurer agrees. Source: https://www.barbershopinsurance.com.au/claims/ **How do I make a claim on my barber insurance?** Call **Grace Insurance's claims line** on **0411 234 878**, open 24 hours, 7 days, or email **claims@graceinsurance.com.au**, within 24 hours if you can. Have your **policy number**, the date, time and place, and **photos** of the damage ready. We lodge the claim with your **insurer** and deal with them for you, and the insurer decides what your policy pays. ## How Does a Claim Work Through a Broker? A broker helps you lodge the claim and deals with the insurer for you, and the insurer decides what your policy pays. Your claim starts with a call to Grace Insurance's claims line. ### You call the claims line Call Grace Insurance's claims line on 0411 234 878 or email claims@graceinsurance.com.au, ideally within 24 hours of it happening. Call even if you do not have every detail yet. ### We lodge the claim We send your details, photos and documents to the insurer that issued your policy. You can also lodge it by phone with the insurer yourself, which insurers call **telelodging**. If you are not sure how your insurer takes claims, ask us first. ### The insurer looks into it The insurer may send an **assessor**, a person who inspects the damage and reports back. Keep the damaged items until they have been seen, and send any extra photos, receipts or quotes the insurer asks for. ### We deal with the insurer for you We act as your advocate, which means we are on your side in the claim. We pass on what the insurer needs, follow the claim up and tell you where it stands. ### The insurer decides The insurer decides whether your policy covers the claim and how much it pays. You pay your **excess**, the amount you agreed to pay towards each claim, which is shown on your policy schedule. ## What Do I Need to Make a Claim? You need your **policy number**, the date, time and place, what happened, and the details of anyone involved. Gather what you can before you call, but do not wait for every document, because you can send the rest later. ### Your policy number and name The policy number and the name of the person or business insured, as they appear on your **policy schedule**, the document that lists your covers. ### When it happened The date and time, or when you found the damage if the shop was closed. ### Where it happened The address, and whether it was in the shop, in your car or at a client's home. ### What happened What caused it and how much was damaged, written down in your own words while it is fresh. ### Your GST details Your **ABN** and your **input tax credit** percentage, the share of the GST you claim back on business costs. Your accountant can tell you if you are not sure. ### Anyone involved The name, address and phone number of anyone involved, such as a client who was hurt. If a car was involved, add its registration and the owner's insurer if you know it. ### Letters and court papers Any letter, notice or court document you receive about it, such as a lawyer's letter on behalf of a client. ### A police event number For a theft, an attempted theft or deliberate damage such as vandalism, report it to the police. Write down the event number they give you. ### Photos and proof of purchase Photos of the damage, and proof of purchase for each item you claim. That can be a receipt, an invoice, a bank or card statement, a photo of the item or its manual. ## What Documents Does Each Type of Claim Need? The insurer asks for different papers depending on what happened, on top of your policy number and the details of the event. For most claims that means quotes, receipts and photos. ### Broken glass Quotes or invoices to repair or replace the glass, such as a smashed shopfront window or a cracked glass door. [Shop contents and fit-out cover](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/) is the cover that pays for it. ### A burnt-out motor How old the item is, the original receipt if you still have it, and what it costs to replace. Insurers call this **motor burnout** or **fusion**, such as when the motor in a hair dryer or clippers burns out. ### Lost or stolen kit The original receipts and a quote to replace each item, such as [clippers, trimmers and scissors](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/). For a theft, add the police event number. ### Accidental damage If you drop your clippers on a tiled floor, send a short report of what broke and how. Add photos and a quote to replace them. ## What Should I Do If a Client Claims Against Me? Do not admit fault or offer to pay, even if you think you caused it, and tell us within 24 hours. This applies whether a client slips on hair clippings or says a razor or dye hurt them in the chair. ### Do not admit fault Stay calm and take the client's name, address and phone number, but do not agree that you caused it or offer to pay. Liability policies generally leave fault and payment to the insurer. ### Tell us straight away Report it even if the client has not made a formal claim yet. Send us any letter, email, notice or court document about it as soon as it arrives, before you reply. ### Keep your records Keep the booking record and the label and batch number of any product you used, such as beard dye or bleach. Write down what happened while you remember it, and screenshot any messages from the client. [Public liability](https://www.barbershopinsurance.com.au/policies/public-liability/) pays injury and damage claims from clients and the public. [Treatment risk cover](https://www.barbershopinsurance.com.au/policies/professional-indemnity/) pays claims that a cut, shave or colour hurt a client. ## What Should I Photograph for a Barbershop Claim? ### The whole area first Take wide photos of the shop, the car or wherever it happened before you clean up or move anything. Then take close-ups of each damaged item. ### Each damaged item Photograph every damaged chair, station, mirror, product shelf and appliance, then keep them for the insurer to inspect. For water damage, include where the water came from and the water line on the walls. ### A break-in or stolen kit Photograph the forced door, window or lock and the empty stations, drawers or kit bag. Make a list of everything taken, with serial numbers where you have them. ### Where a client was hurt Photograph the spot and the floor as it was, including hair clippings, water or a loose mat, and your wet floor sign. If it happened in the chair, photograph the tools and the label of any product you used. ### Your kit, before anything happens Photograph your clippers, scissors, chairs and stock now, with serial numbers showing, and keep the photos with your receipts. A photo of an item can help prove you owned it if a receipt is lost. ## Questions About Barber Insurance Claims ### Do I call the insurer or you to make a claim? Call Grace Insurance's claims line on 0411 234 878, open 24 hours, 7 days, or email claims@graceinsurance.com.au. We are Grace Insurance's barber arm, so the claims line is Grace's and we lodge the claim with your insurer for you. You can also lodge it by phone with your insurer. ### What if my policy was not arranged by Barbershop Insurance? Call the insurer or broker named on your policy schedule, the document that lists your covers. Their claims phone number and email are in your policy documents. If you would like us to arrange your cover next time, ask for a quote and a broker will contact you with your options. ### Can I claim for stolen clippers and scissors? Yes, if your policy includes tools cover, which insurers call general property cover. Report the theft to the police and send us the event number with your receipts or replacement quotes. Many policies only pay for theft from a car if it was locked, the kit was out of sight and someone forced their way in. ### Can I get repairs done before the insurer agrees? Do not book repairs or replace anything until the insurer agrees, and keep the damaged items so they can be inspected. If something cannot wait, such as a smashed shopfront that will not lock, call the claims line first and ask. Photograph everything before any work starts. ### How soon should I report a claim? As soon as you can, ideally within 24 hours of it happening. Call or email even if you do not have every receipt or quote yet, and send the rest when you have it. If a client tells you they plan to claim against you, report that too. ## Get a Barbershop Insurance Quote Tell us how you work and the services you offer, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Guides for Barbers and Shop Owners Plain answers to the insurance questions barbers ask before they open a shop, hire staff or rent a chair. Source: https://www.barbershopinsurance.com.au/insights/ - [What Insurance Does a Barber Need in Australia?](https://www.barbershopinsurance.com.au/insights/what-insurance-does-a-barber-need/): Most barbers start with public liability and tools cover. Shop owners, employers, chair renters and mobile barbers each add different covers. - [How Much Does Barber Insurance Cost?](https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/): Your price is confirmed on your quote. The insurer sets it from your covers, limits, turnover, staff, tools and claims history. - [Do Chair Renters Need Their Own Insurance?](https://www.barbershopinsurance.com.au/insights/do-chair-renters-need-their-own-insurance/): Yes. The shop's policy usually covers the shop owner's business, not yours. You need your own public liability, and the owner will ask to see it. - [Certificate of Currency for Barbershops, Explained](https://www.barbershopinsurance.com.au/insights/certificate-of-currency-for-barbers/): A certificate of currency is a short document from your insurer showing your policy is active. Landlords, shopping centres and shop owners ask barbers for one. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # What Insurance Does a Barber Need in Australia? Source: https://www.barbershopinsurance.com.au/insights/what-insurance-does-a-barber-need/ Updated: 2026-10-27 Reviewed by Frans du Plessis ## Summary Most barbers in Australia need **public liability** for claims from clients who are hurt, plus cover for their **clippers, scissors and tools**. Employers must also hold **workers compensation**. Shop owners usually add **contents, fit-out and business interruption** cover, while **chair renters** and **mobile barbers** need a policy in their own name. ## Key points - Public liability pays claims from clients and the public who are hurt or have things damaged. - Treatment risk cover pays claims about the service you gave. Some insurers include it in professional indemnity and others add it to public liability. - Tools cover pays to repair or replace stolen or damaged clippers, trimmers and scissors. - Employers must hold workers compensation, and the rules vary by state and territory. - Shop owners add cover for contents, fit-out and income lost while the shop is closed. - Chair renters and mobile barbers need cover in their own name. ## Which Covers Do Most Barbers Need? Most barbers need public liability and cover for their tools. If you employ anyone, you also need workers compensation, which the law requires of employers. The rest depends on how you work. A shop owner with staff needs more cover than a barber renting one chair, and a mobile barber carries risks a shop does not. - [Public liability](https://www.barbershopinsurance.com.au/policies/public-liability/): claims from people hurt, or whose things are damaged, because of your business. - [Professional indemnity](https://www.barbershopinsurance.com.au/policies/professional-indemnity/): claims that a cut, shave, colour or treatment you gave caused harm. - [Tools and equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): your clippers, trimmers and scissors if they are stolen or damaged. - [Shop contents and fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): chairs, mirrors, stock and the fittings you paid for in the shop. - [Business interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): the income you lose while the shop is closed after damage your policy covers. - [Workers compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/): wages and medical costs for an employee hurt at work. ## Is Barber Insurance a Legal Requirement? Workers compensation is the cover the law requires once you employ staff. For most barbers, the law leaves the other covers up to you. Some states and territories do require public liability for certain jobs. In practice, other people often make cover a condition. A landlord, shopping centre or shop owner will usually ask to see your public liability before you start. ## What Does Public Liability Cover for a Barber? Public liability pays claims from people who are hurt, or whose belongings are damaged, because of your business. It also pays the legal costs of defending those claims, up to the limit on your policy. In a barbershop, that could be a client who trips over a power cord or slips on wet tiles. It could also be a jacket ruined by bleach, or a client hurt by a falling mirror. You can choose a limit of $5 million, $10 million or $20 million. Your limit is the most the insurer pays for one claim, so start with the figure your lease or chair agreement asks for. ## What Is Treatment Risk Cover for Barbers? Treatment risk cover pays claims that the service you gave caused harm. Some insurers include it in professional indemnity, the cover for claims about the quality of your work, and others add it to public liability. Examples include an allergic reaction to beard dye, a burn from a hot towel or a cut from a straight razor. Check your quote shows it before you buy. ## How Are a Barber's Clippers and Scissors Insured? Clippers, trimmers, scissors and styling tools are insured under general property cover, the name insurers use for portable things you work with. It pays to repair or replace them after theft or accidental damage, usually in the shop or away from it. A home or car policy may not pay for tools you use to earn money. Check its wording before counting on it, or ask us to look. ## What Does a Barbershop Owner Need to Insure? A shop owner usually adds contents, fit-out and business interruption cover to public liability. Contents cover pays for your chairs, mirrors, basins and stock, and fit-out is the benches, plumbing and lighting you paid to put in. Business interruption pays the income you lose while the shop is closed after damage your policy covers, such as a fire or a burst pipe. Glass cover for the shopfront window and theft cover are often added to the same business policy. These covers can be arranged whether you own the building or lease it. See [insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) for how they fit together. ## When Does a Barber Need Workers Compensation? You need workers compensation as soon as you employ someone. It pays wages and medical costs when an employee is injured or becomes ill because of their work. Full-time, part-time and casual staff all count as workers, and so do apprentices and family members you employ. Each state and territory sets its own rules, including who provides the insurance. Workers compensation does not cover you if you are a sole trader. For your own injury or illness, see [personal accident and illness cover](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/). ## What Other Covers Do Barbers Add? Barbers who work for themselves often add personal accident and illness cover, because there is no sick pay when you cannot cut hair. It pays you a regular amount while an injury or illness keeps you off work. If clients book online or you keep their phone numbers and emails, [cyber cover](https://www.barbershopinsurance.com.au/policies/cyber/) pays costs that follow a hack or data breach. Other covers we can arrange include money, electronic equipment, commercial vehicle and commercial legal expense cover. ## Barber Insurance by How You Work Shop owners, employed barbers, chair renters and mobile barbers each need a different mix of cover. It depends on whether you own the shop, work for someone, rent a chair or travel to clients. - [Shop owner](https://www.barbershopinsurance.com.au/trades/barbershop-owners/): public liability, contents and fit-out, business interruption, and workers compensation for staff. - [Employed barber](https://www.barbershopinsurance.com.au/trades/barbers/): your employer's policies usually cover your work in their shop, so ask them. Insure your own tools if you bring them. - [Chair renter](https://www.barbershopinsurance.com.au/trades/chair-renters/): your own public liability, treatment risk and tools cover. - [Mobile barber](https://www.barbershopinsurance.com.au/trades/mobile-barbers/): public liability that covers the places you work, and cover for the kit in your car. - [Hairdresser or salon](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/): the same main covers, with more attention on colour and chemical services. ## How Do I Get Barber Insurance? Start by writing down the cover your lease or chair agreement asks for. Then work out what your tools, stock and fit-out would cost to replace. [Tell us about your shop](https://www.barbershopinsurance.com.au/contact/) and a broker will contact you with your options. Barbershop Insurance is a broker, so we arrange the cover and the insurer issues the policy and pays claims. ## Related Cover - [Public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/) - [Insurance for barbers](https://www.barbershopinsurance.com.au/trades/barbers/) - [Insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) ## Common Questions ### Do I need insurance if I am a sole trader barber? Yes. The law usually leaves it up to you, but a client can claim against a sole trader just as they can against a shop. A lease or chair agreement may also ask for cover. Workers compensation does not cover a sole trader, so personal accident and illness cover pays for your own injury. ### Is public liability the same as professional indemnity? No. Public liability pays claims about injury or damage around your business, such as a client tripping on a cord. Treatment risk cover, which insurers include in professional indemnity or add to public liability, pays claims that the service itself caused harm, such as a reaction to dye. Some policies include both. ### Does my employer's insurance cover me as an employed barber? Yes, usually, for the work you do in their shop. Your employer's workers compensation covers you if you are hurt at work, and their public liability usually covers claims about the shop. Ask your employer to confirm, and insure your own tools if you bring them from home. ### What insurance does a barber need before opening a shop? Public liability first, because a landlord or shopping centre will usually ask to see it before you get the keys. Add contents and fit-out cover for the shop, tools cover for your kit, and workers compensation when you take on staff. Business interruption protects your income if the shop has to close. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # How Much Does Barber Insurance Cost? Source: https://www.barbershopinsurance.com.au/insights/how-much-does-barber-insurance-cost/ Updated: 2026-10-27 Reviewed by Frans du Plessis ## Summary Barber insurance has **no set price**. The insurer works out your **premium**, the price of the policy, from **your covers and limits**, **turnover and staff**, **services**, **tools** and **claims history**. Your exact price is confirmed on your quote, and you can **pay by instalments**. ## Key points - The insurer sets your premium from your own details, and your quote confirms it. - More covers and a higher public liability limit raise the price. - Turnover, staff, services and where you work all count. - Workers compensation is priced mainly from your wage bill and the type of work your business does. - A higher excess, the amount you pay towards each claim, usually lowers the premium. - Premium funding lets you pay weekly, fortnightly, monthly, quarterly or six-monthly. ## Why Is There No Set Price for Barber Insurance? The insurer works out each barber's price from that barber's details, so your price is confirmed on your quote. The covers you pick, the limits you choose, your turnover and your staff make the biggest difference. Two barbers in the same street can pay very different amounts. A chair renter with one set of clippers is insuring far less than a shop owner with five staff. The shop owner also has a fit-out, the fittings built into the shop. ## What Affects the Cost of Barber Insurance? Your premium, the price of the policy, is set by the insurer from details about your business. We ask about each one when you request a quote. - The covers you choose. Public liability, the cover for claims from clients and the public, costs less on its own. Adding contents, fit-out and business interruption, the cover for lost income, costs more. - Your limits and sums insured. A sum insured is the most the policy pays for your things, so a higher one costs more. - Your turnover, the money your business takes in before costs. - How many people work for you and the wages you pay them. - The services you offer. Colour, bleach and straight razor shaves carry different risks to a clipper cut. - Where you work. Your area affects theft and storm risk, and mobile work is priced differently to a fixed shop. - Your claims history. Recent claims usually push the price up. - Your excess, the amount you pay towards each claim yourself. ## Does a Higher Public Liability Limit Cost More? Yes, a higher public liability limit costs more. The limit is the most the insurer pays for one claim, and you can choose $5 million, $10 million or $20 million. Choose at least the limit your lease or chair agreement asks for. Landlords and shopping centres often write a minimum into the lease, and a lower limit can stop you trading there. ## How Is Workers Compensation Priced for a Barbershop? Workers compensation, the cover for staff hurt at work, is priced mainly from your wage bill and the type of work your business does. Your state or territory sets the rules, and more staff or higher wages usually mean a higher premium. It is a legal requirement once you employ someone, so count it in your costs from your first hire. See [workers compensation for barbershops](https://www.barbershopinsurance.com.au/policies/workers-compensation/) for who provides it in each state. ## How Can a Barber Lower the Cost of Insurance? You can lower the price without dropping the cover your lease asks for. Some steps lower the premium straight away, and others cut the chance of a claim that would push it up. - Choose a higher excess if you can afford to pay more towards a claim yourself. - Insure your tools and contents for what they would cost to replace, not more. - Lock tools away at night and keep your kit out of sight in the car. - Sweep up clippings, dry wet floors and put out a wet floor sign. - Do a patch test, a small test of the product on the skin, before any colour, and write down the date and product. ## What to Check When Comparing Barber Insurance Quotes A cheaper quote can mean a lower limit, a higher excess or fewer covers. Lay your quotes side by side and check the same points on each. Before we recommend cover, we usually ask between 2 and 12 insurers to quote. Fewer insurers quote on some specialist liability covers. - The public liability limit, against what your lease asks for. - Whether treatment risk, the cover for claims about your work, is included. - Whether products liability, the cover for claims about products you sell, is included. - The excess on each cover. - What is excluded, such as tools left in an unattended car. - Whether your tools are covered away from the shop. ## Can I Pay Barber Insurance Monthly? Yes, through premium funding. A finance company pays the insurer for the year, and you repay it weekly, fortnightly, monthly, quarterly or every six months. Premium funders charge interest, so ask for the total cost before you choose it over paying the year up front. ## What Do I Need for a Barber Insurance Quote? Have your turnover, staff numbers, the value of your tools and fit-out, and any recent claims ready. Add the cover and limit your lease or chair agreement asks for. Then [tell us about your shop](https://www.barbershopinsurance.com.au/contact/). A broker from Barbershop Insurance will contact you with your options and the price of each, and we aim to reply within 24 hours. ## Related Cover - [Public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/) - [Insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) - [Insurance for chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/) ## Common Questions ### Why can't I find a price list for barber insurance? Because the insurer prices each policy from your own details. Your covers, limits, turnover, staff, services, location, tools and claims history all change the figure. Two barbers rarely pay the same amount, so your price is confirmed on your quote. ### Does treatment risk cover add to the price? Usually, yes, because it adds cover for claims about the service itself, such as a reaction to beard dye. Some insurers include it in the same policy and some charge for it separately. Your quote shows which, and what it costs. ### Does paying monthly cost more than paying once a year? Yes, usually, because premium funding is a finance arrangement and the funder charges interest on it. Ask us for the total you would repay, then compare it with paying the year up front. The interest is normally tax deductible as a business expense, but your accountant can tell you whether it applies to your business. ### Will making a claim put my price up? Yes, it can. Insurers look at your claims history when they price your renewal, and recent claims usually push the premium up. Keeping floors dry, tools locked away and patch test records in order lowers the chance of a claim in the first place. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Do Chair Renters Need Their Own Insurance? Source: https://www.barbershopinsurance.com.au/insights/do-chair-renters-need-their-own-insurance/ Updated: 2026-10-27 Reviewed by Frans du Plessis ## Summary **Yes**. The shop owner's policy usually covers **their business, not yours**, so a claim from your client comes to you. A renter needs their own **public liability** for claims from hurt clients, **treatment risk cover** for claims about their work, and **tools cover**. The shop owner will usually ask for your **certificate of currency**, the proof your cover is active. ## Key points - The shop's policy usually does not cover a chair renter. - You need public liability in your own name. - Treatment risk cover pays claims about the service you gave. - Your clippers and scissors need their own cover. - With no sick pay, personal accident and illness cover is worth adding. - The shop owner will usually ask for your certificate of currency. ## Does the Shop's Insurance Cover a Chair Renter? Usually not. A policy covers the business named on it, and the shop owner's policy names their business, not yours. When you rent a chair, you run your own business inside someone else's shop. Your clients and your work are your own, so if your client is hurt or says your work harmed them, the claim comes to you. > Ask the shop owner whether their policy covers renters. Unless the answer is yes, in writing, arrange your own. ## What Insurance Does a Chair Renter Need? A chair renter needs public liability, treatment risk cover and tools cover. Public liability comes first, because it is the cover shop owners ask to see. - [Public liability](https://www.barbershopinsurance.com.au/policies/public-liability/): claims from your clients who are hurt or have things damaged, with a limit of $5 million, $10 million or $20 million. - [Professional indemnity](https://www.barbershopinsurance.com.au/policies/professional-indemnity/): its treatment risk cover pays claims that a cut, colour or shave you gave caused harm. - [Tools and equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): your clippers, trimmers and scissors if they are stolen or damaged, in the shop or on the way home. - [Personal accident and illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): a regular payment while an injury or illness stops you working. ## What Will the Shop Owner Ask a Chair Renter For? Most shop owners ask for a certificate of currency, a short document from your insurer showing your cover is active. Expect to show it before your first day and again each year when you renew. Check your chair agreement for a minimum public liability limit. If it names a figure, your policy needs to meet it. See [certificates of currency explained](https://www.barbershopinsurance.com.au/insights/certificate-of-currency-for-barbers/) for what to check before you send yours. ## Is a Chair Renter the Shop Owner's Worker? Sometimes, depending on the arrangement and your state's rules. Workers compensation, the cover for staff hurt at work, can treat someone as a worker even when they are called a contractor or renter. In NSW, for example, a person is more likely to be a worker if the owner directs their work or supplies their tools. Being paid by the hour or week points the same way. Other states run their own tests, so check with your state's workers compensation authority before a renter starts. ## Do Chair Renters Need Cover for Products They Sell? Yes, if you sell products such as pomade, beard oil or shampoo to clients. If a product you sold causes a rash or damages something, the claim can come to you as the seller. Products liability pays those claims. It is usually sold with public liability as public and products liability. Check both appear on your policy schedule, the document that lists your covers. ## What Covers a Chair Renter Who Cannot Work? Personal accident and illness cover pays you a regular amount while an injury or illness stops you working. As a chair renter you are usually self-employed, so there is no sick pay. Workers compensation does not cover a sole trader, and the chair rent is still due while you are off. Ask us to quote [personal accident and illness cover](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/) alongside your public liability. ## What to Do If a Client Claims Against You Do not admit fault, even if you think the mistake was yours, and tell us within 24 hours. Leave the question of fault to the insurer, which assesses the claim and decides what the policy covers. Write down what happened, when and where, and take the client's name and contact details. Keep any letters or court papers you receive. See [making a claim](https://www.barbershopinsurance.com.au/claims/) for the full list of what to have ready. ## Does a Chair Renter's Insurance Move With Them? Yes. A policy in your own name covers your business, so it goes with you when you change shops. Tell us the new address so your policy and certificate stay correct. If you also cut hair at clients' homes or at events, tell us that too. See [insurance for mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) for the cover those places need. ## Insurance for Shop Owners Who Rent Out Chairs Ask every renter for a current certificate of currency and keep a copy. Write a minimum public liability limit into your chair agreement, and check the end date on each certificate every year. For the cover on the shop itself, see [insurance for barbershop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/). ## How Does a Chair Renter Get Insured? Have your chair agreement, the value of your tools and a list of the services you offer ready. Then [tell us how you work](https://www.barbershopinsurance.com.au/contact/). A broker will contact you with your options. See [insurance for barbers renting a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/) for more on each cover. ## Related Cover - [Insurance for chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/) - [Public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/) - [Tools and equipment insurance](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/) ## Common Questions ### Can I be added to the shop owner's policy instead? Not usually, and only the shop owner and their insurer can say yes, so get any answer in writing. A policy in your own name meets your chair agreement, lists the services you do, and stays with you if you move shops. ### Does my public liability cover me if I cut hair at a client's home? Yes, if your policy covers that kind of work. Insurers price a policy on where and how you work, so tell us about home visits or events when you ask for a quote. Then your policy can include them. ### What public liability limit should a chair renter choose? Choose at least the minimum in your chair agreement. We can arrange $5 million, $10 million or $20 million. If the agreement does not name a figure, ask the shop owner what their own lease requires, because they may need renters to match it. ### Do chair renters need workers compensation? Not for themselves, because workers compensation does not cover a sole trader. A renter who employs an assistant needs it for that person. Separately, a renter can sometimes count as the shop owner's worker under state rules, so check with your state's workers compensation authority. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Certificate of Currency for Barbershops, Explained Source: https://www.barbershopinsurance.com.au/insights/certificate-of-currency-for-barbers/ Updated: 2026-10-27 Reviewed by Frans du Plessis ## Summary A **certificate of currency** is a short document from your **insurer** showing your policy is **active**. It lists who is insured, the type of cover, the limit and the policy dates. **Landlords, shopping centres and shop owners** ask barbers for one, and you need a **new one each time the policy renews**. ## Key points - A certificate of currency shows your policy is active. - It lists the insured name, policy number, cover, limit and dates. - Landlords, shopping centres, shop owners and event venues ask for it. - It shows your cover but does not change what the policy pays. - Check the name, limit and dates match what you were asked for. - You need a new one each time the policy renews. ## What Is a Certificate of Currency? A certificate of currency is a short document from your insurer showing your policy is active. It lists who is insured, the type of cover, the limit and the dates the cover runs. It lets a landlord or shop owner check your cover without reading your whole policy. Landlords usually ask for one before you open a shop, and shop owners before you start in a rented chair. ## What Does a Certificate of Currency Show? A certificate of currency shows the insured name, the insurer, the policy number, the cover, the limit and the dates. Most lay these details out on a single page. - The insured: the person or business the policy covers. - The insurer and the policy number. - The type of cover, such as public liability, the cover for claims from people hurt or whose things are damaged. - The limit or sum insured, the most the policy will pay. - The period of insurance, with a start date and an end date. - The date the certificate was issued. ## Who Asks a Barber for a Certificate of Currency? Landlords, shopping centres, shop owners and event venues are the usual ones. Anyone who could be drawn into a claim about your work wants to know you hold cover. - Your landlord, before you get the keys and each year of the lease. - Shopping centre management, before you open in the centre. - A shop owner, if you [rent a chair](https://www.barbershopinsurance.com.au/trades/chair-renters/) in their shop. - Venues and event organisers, if you work as a [mobile barber](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) at weddings, festivals or events. ## Certificate of Currency, Policy Schedule and PDS A certificate of currency shows you hold cover, but it does not create cover, add to it or change what the policy pays. The policy schedule and the policy wording hold the details. Your policy schedule lists your covers, limits and excess, the amount you pay towards each claim. The policy wording, often inside a product disclosure statement, or PDS, sets out what is covered and what is excluded. > If a landlord wants to know what your policy covers in detail, send the schedule. The certificate only shows the cover is in place. ## What to Check Before You Send a Certificate of Currency Check the name, cover, limit, dates and policy number against what you were asked for. A landlord or shop owner can reject a certificate over any one of them, even when your cover is real. - The insured name matches the name on your lease or chair agreement. A company name and your own name are different. - The cover type is the one asked for, usually public liability. - The limit meets the minimum in your lease. Public liability limits of $5 million, $10 million or $20 million are available. - The end date has not passed. - The insurer and policy number match your policy schedule. ## What If My Landlord Asks to Be Noted on the Policy? Tell us when you ask for the certificate, and we pass the request to the insurer. Being noted on a policy as an interested party means the insurer records that the landlord has a financial interest in your cover. Some leases ask for this. Read the insurance clause in your lease so you know exactly what to ask for. ## How Long Does a Certificate of Currency Last? A certificate of currency is valid until the end date of the period of insurance shown on it. When your policy renews, you need a new certificate with the new dates. We contact you at least 30 days before your policy renews. Ask for the new certificate as soon as the renewal goes through, so it is ready when your landlord or shop owner asks. ## When to Ask for an Updated Certificate of Currency Ask for a new certificate whenever your cover changes. A certificate shows your cover on the day it was issued. If you raise your limit, add a cover, change your business name or move shops, the copy your landlord holds is out of date. Send the new one to everyone who has the old one. ## How to Keep Track of Your Certificates Save each certificate as a PDF on your phone, so you can send it the moment someone asks. A PDF is easier to read than a photo of a printed copy. Keep the old ones too, in case a landlord asks what cover you held last year. If you rent out chairs, keep a list of each renter's certificate and its end date. ## How Do I Get a Certificate of Currency? Your insurer issues the certificate once your policy is in place. If we arranged your policy, ask us and we request it for you. If you do not have cover yet, [tell us about your shop](https://www.barbershopinsurance.com.au/contact/). Barbershop Insurance arranges [public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/) and the other covers a lease commonly asks for. ## Related Cover - [Public liability for barbers](https://www.barbershopinsurance.com.au/policies/public-liability/) - [Insurance for chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/) - [Insurance for mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) ## Common Questions ### Is a certificate of currency the same as a certificate of insurance? Usually, yes. In Australia the two names are often used for the same document, a short summary from your insurer showing your policy is active. If you are not sure which one someone wants, ask them what details they need to see. ### Who issues a certificate of currency, the broker or the insurer? The insurer issues it, because the insurer is the one providing your cover. A broker can request it for you. If we arranged your policy, ask us and we will get a copy from the insurer and send it on. ### Can I get a certificate of currency before my policy starts? No. The certificate shows cover that is already in place, so the insurer issues it once your policy has started. If your lease starts on a set date, arrange your cover in time to start on or before that date. ### Does a certificate of currency change what my policy covers? No. A certificate of currency only shows that your policy is active on the day it was issued. What the policy pays for is written in your policy schedule and policy wording. Send those if a landlord asks about the detail of your cover. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Barber Insurance Questions Whether you [own a shop](/trades/barbershop-owners/), [rent a chair](/trades/chair-renters/) or [travel to clients](/trades/mobile-barbers/), insurance can pay if a client is hurt or your tools are stolen. For a question about your own shop, call a broker on 1800 556 777 or ask on the [quote form](/contact/). Source: https://www.barbershopinsurance.com.au/faq/ ## Do Barbers Need Insurance? ### Do barbers need insurance in Australia? Yes, in most cases. Workers compensation is required by law once you employ staff, apart from a few employers with very small wage bills. The law usually leaves public liability up to you, but landlords and shop owners will often ask for it before you start cutting. ### Is it illegal to run a business without insurance? No, not for most types of cover. The main cover the law requires is workers compensation, which employers must hold under their state or territory's rules. Some states require public liability for certain occupations, but for most businesses it is a choice, though a lease often makes it a condition. ### Do ABN holders need insurance? No, having an ABN does not on its own mean you must hold insurance. What you need depends on how you work. You need workers compensation if you employ staff, and public liability if your lease, your shop owner or a venue asks for it. ### When does a new barber need business insurance? You need it before you see your first paying client, because a client can be hurt on your first day. A landlord will usually want to see your certificate of currency, the insurer's document showing your cover is active, before you open. When you take on staff, your state or territory sets the deadline for registering for workers compensation. ## Chair Renters, Mobile Barbers and Staff ### Do I need my own insurance if I rent a chair? Yes. The shop owner's policy usually covers the owner's business, not yours, so a claim from one of your clients falls on you. You need your own public liability, and cover for your own clippers and scissors is worth adding. ### Am I covered by my employer's insurance as a barber? Yes, usually, for the work you do for your employer in their shop. Clients you see privately, at home or on your days off, are your own business. Your employer's policy usually will not cover those clients, so you need your own public liability for that work. ### What insurance does a mobile barber need? As a mobile barber, you usually need public liability for the homes, offices and events you cut at. Add tools cover for the kit you carry, which insurers call general property cover. A home or car policy may not cover tools used for work, so check yours before you rely on it. ### Do I need workers compensation for my staff? Yes, if you employ anyone. Full-time, part-time, casual and seasonal staff, apprentices and family members you employ all count as workers. Each state and territory sets its own rules, and a few employers with very small wage bills are exempt in some states. ### Can a chair renter count as my worker for workers compensation? Yes, it can, depending on the arrangement and your state's rules. In New South Wales, a renter is more likely to count if you direct their work, pay them weekly or hourly, or supply their tools. If they count, your workers compensation needs to cover them. ## What Does Barber Insurance Cover? ### What does public liability cover in a barbershop? Public liability pays claims, and your legal costs, when your business injures a client or member of the public or damages their property. A client slipping on hair clippings and breaking a wrist is the kind of claim it pays. It pays up to your limit, the most the insurer pays for one claim. ### How much public liability cover does a barber need? You can choose a limit, the most the insurer pays for one claim, of $5 million, $10 million or $20 million. Check your lease or chair rental agreement first, because a landlord, shopping centre or shop owner can set the minimum limit you must hold. ### Does public liability cover a razor cut or a reaction to dye? Not always. Some policies cover harm caused by the cut, shave or colour itself, and some leave it to treatment risk cover. Treatment risk is sold as part of professional indemnity, the cover for claims about your work, or added to public liability. Check your quote includes it before you buy. ### What does products liability cover for a barber? Products liability pays claims that something you sold or supplied, such as a pomade, beard oil or shampoo, injured someone or damaged their property. It is normally sold with public liability as public and products liability. Check both appear on your policy schedule, the document that lists your covers. ### What does public liability not cover? Public liability does not cover your own injuries, injuries to your staff or damage to your own property. Workers compensation covers injured staff, and property cover protects your tools, fit-out and stock. The full list of what a policy leaves out, called the exclusions, is in your policy wording, the document that sets out the full terms. ## How Do Barber Insurance Claims Work? ### Who do I call to make a claim on my barber insurance? Call Grace Insurance's claims line on 0411 234 878, open 24 hours, 7 days, or email claims@graceinsurance.com.au. Barbershop Insurance is the barber arm of Grace Insurance, so the claims line is Grace's. We lodge the claim with your insurer, follow it up for you and tell you where it stands. ### What do I need ready when I make a claim? Have your policy number, the name on the policy, the date, time and place, and what caused the damage and how bad it is. Add your ABN and GST details, contact details for anyone involved, and any letters or court papers. For theft or vandalism, you also need the police event number. ### Should I admit fault if a client is hurt in my shop? No, do not admit liability, which means saying or writing that the injury was your fault, even if you think it was. Look after the client and write down what happened and who saw it. Report it to us within 24 hours so the insurer can deal with the claim. ### Can I replace damaged equipment before the insurer agrees? No. Do not book repairs or buy replacements until the insurer agrees, and keep the damaged items in case the insurer wants to inspect them. Take photos first, and send repair or replacement quotes and any receipts with your claim. ## Certificates, Cost and Paying ### What is a certificate of currency? A certificate of currency is a document from your insurer showing your policy is active. It lists your name, the covers, the limit and the policy dates. Landlords, shopping centres and shop owners ask to see one before you start, and if we arranged your policy, we can request a copy. ### Do I need a new certificate of currency each year? Yes, each time your policy renews, because a certificate of currency only shows the current policy dates. Ask for a new one and give it to your landlord, shopping centre or the shop owner you rent a chair from. ### How much does barber insurance cost? Your premium, the price of the policy, is set by the insurer and confirmed on your quote. It depends on the covers and limits you choose, your turnover, your staff and the services you offer. Where you work, what your tools and fit-out are worth and any past claims count too. ### Can I pay my barber insurance monthly? Yes, through premium funding: a finance company pays the insurer for the whole year. You repay the finance company weekly, fortnightly, monthly, quarterly or every six months. Ask for premium funding when you ask for your quote. ## About Us as Your Broker ### Does Barbershop Insurance issue my policy? No, we are an insurance broker: we ask insurers to quote, help you choose and arrange the cover. The insurer underwrites the policy, meaning it decides whether to offer cover and on what terms. It then issues the policy and decides any claim. ### Why use a broker for barber insurance? A broker asks several insurers to quote, so you can compare covers, limits and prices side by side instead of calling each one. We can approach more than 160 insurers, contact you at least 30 days before renewal, and are on your side in a claim. ### Who runs Barbershop Insurance? Barbershop Insurance is the barber arm of Grace Insurance, an Australian-owned brokerage founded in Perth in 2015. Grace's founder and director, Frans du Plessis, has worked in insurance broking since 1992. He won the National Insurance Brokers Association (NIBA) Western Australian Broker of the Year award in 2023. ### Is Barbershop Insurance a licensed broker? Yes. We arrange insurance as Corporate Authorised Representative 1008568 of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. Being a Corporate Authorised Representative means the licence holder authorises us to arrange insurance under its licence. ### How do I get a barber insurance quote? Tell us what you do, where you work, your services, your staff and what your tools and fit-out are worth. Send it on the quote form or call 1800 556 777, and we aim to reply within 24 hours. We then usually bring you 2 to 12 quotes, explained in plain English. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # About Barbershop Insurance We arrange insurance for barbershop owners, barbers, chair renters, mobile barbers and hair salons in every state and territory. Tell us how you work and we will contact you with your options. Source: https://www.barbershopinsurance.com.au/about/ **What is Barbershop Insurance?** **Barbershop Insurance** is an **insurance broker** for **barbershops**, **barbers**, **hairdressers** and **salons** across **Australia**. We are the barber arm of **Grace Insurance**, an Australian-owned brokerage. We take your details to insurers, explain your options in plain English and arrange the cover you choose with the **insurer**, which issues the policy. ## What Does Barbershop Insurance Do? We arrange business insurance for barbers and hair businesses across Australia, as the barber arm of Grace Insurance. ### We are part of Grace Insurance Grace Insurance is an Australian-owned insurance brokerage, and Barbershop Insurance is the part of it that works with barbers and hair businesses. ### We arrange the covers barbers use We arrange [public liability](https://www.barbershopinsurance.com.au/policies/public-liability/), which pays injury and damage claims, and **treatment risk** cover, which pays when a cut, shave or colour hurts a client. We also arrange cover for your tools, your shop, your income and your staff. See [all eight covers](https://www.barbershopinsurance.com.au/policies/). ### We work with owners, renters and salons Shop owners, employed barbers, chair renters, mobile barbers and hairdressers each need a different mix of cover. Tell us which one you are, or see [who we cover](https://www.barbershopinsurance.com.au/trades/) and what each one needs. ## Frans du Plessis, Founder and Director ### He founded Grace Insurance in 2015 Frans du Plessis is the founder and director of Grace Insurance, the brokerage Barbershop Insurance is part of. He started it in Perth in 2015. ### He has worked in broking since 1992 Frans has worked in insurance broking since 1992. He wrote Grace Insurance's guide to hairdresser and barber insurance in 2019 and updated it in December 2024. ### He is qualified and licensed He holds a Diploma in Broking and is a Fellow CIP, short for Certified Insurance Professional. He is Authorised Representative No. 1008569, meaning a licensed business authorises him to give insurance advice. ### He won NIBA Western Australian Broker of the Year 2023 Frans won the NIBA (National Insurance Brokers Association) Western Australian Broker of the Year award in 2023. The award was made to Frans personally. ## Who Works at Grace Insurance? These are the people who work at Grace Insurance, across its six offices. Barbershop Insurance is part of Grace Insurance. - Frans du Plessis - Alicia Tua - Louise McCormick - Jenny Johnson - Nastasia Chiodi - Janelle Willis - Jarrod Kennedy - Tyson Blair - Vanessa Jesson - Nova Magtibay - Samir Chavhan - Benjamin Ashley ## What Does an Insurance Broker Do? An insurance broker finds and arranges cover for you, and the **insurer** is the company that issues the policy and pays claims. We are the broker, and the insurer's name is on your policy. ### We arrange your cover We find out how you work, take your details to insurers and explain the options they offer. Once you choose, we arrange the policy, and we help you change it when your work changes. ### The insurer issues the policy The insurer **underwrites** the policy, which means it decides whether to offer cover, on what terms and at what price. It then issues the policy and your **certificate of currency**, the short document that proves your cover is active. ### We help you when you claim The insurer assesses each claim and pays the ones the policy covers. We are your advocate: we help you prepare and lodge the claim and deal with the insurer for you. ## How Do We Arrange Your Insurance? You tell us how you work, we get quotes from insurers, we explain your options and we arrange the one you choose. We aim to reply within 24 hours of hearing from you. ### Tell us how you work Fill in the quote form or call us on 1800 556 777. Say whether you own a shop, work in one, rent a chair, travel to clients or run a salon, and which services you offer. ### We ask insurers to quote We can approach more than 160 insurers and ask 2 to 12 of them to quote. Fewer insurers quote on some specialist liability covers, so you may see fewer options. ### We explain your options For each option we set out what it covers, what it leaves out, the limit and the price. If any word on the policy is unclear, ask us. ### You choose, and we arrange it We arrange the policy you pick with the insurer and get you your certificate of currency. We contact you at least 30 days before it renews to check it still suits the way you work. ## Where Are Grace Insurance's Offices? Barbershop Insurance works from Grace Insurance's head office in Joondalup, Western Australia, and Grace Insurance has five more offices around Australia. We arrange cover in every state and territory, by phone or through the quote form. ### Joondalup, WA (head office) Unit 14, 115 Grand Boulevard, Joondalup WA 6027 ### Dunsborough, WA 28E/55 Dunn Bay Road, Dunsborough WA 6281 ### Sydney, NSW Suite 202, 59-75 Grafton Street, Bondi Junction NSW 2022 ### Melbourne, VIC Ground Floor, 470 St Kilda Road, Melbourne VIC 3004 ### Sunshine Coast, QLD Office B, 3 Woomba Place, Mooloolaba QLD 4557 ### Darwin, NT Level 1, 18-20 Knuckey Street, Darwin NT 0800 Call us on 1800 556 777, Monday to Friday, 8:30am to 5:00pm Perth time. For a claim, Grace Insurance's claims line on 0411 234 878 is open 24 hours, 7 days. ## Questions About Barbershop Insurance ### Who is behind Barbershop Insurance? Barbershop Insurance is the barber arm of Grace Insurance, an Australian-owned insurance brokerage that Frans du Plessis founded in Perth in 2015. Frans has worked in insurance broking since 1992. He holds a Diploma in Broking and is a Fellow CIP, short for Certified Insurance Professional. ### Is Barbershop Insurance a broker or an insurer? A broker. We find out what you need, ask insurers to quote and arrange the cover you choose. The insurer issues the policy and decides claims, and we help you prepare and lodge a claim and deal with the insurer for you. ### Is Barbershop Insurance licensed? Yes. Community Broker Network Pty Ltd holds Australian Financial Services Licence 233750 and authorises us to arrange insurance under it, as its Corporate Authorised Representative 1008568. ### Do you arrange insurance in my state? Yes. We arrange cover for barbers, barbershops and salons in every state and territory, from our office in Joondalup, Western Australia. Workers compensation rules differ between states and territories, so tell us where you work when you ask for a quote. ### How quickly will you reply? We aim to reply within 24 hours of hearing from you. You can also call us on 1800 556 777, Monday to Friday, 8:30am to 5:00pm Perth time. ## Ask Us for a Barber Insurance Quote Tell us what you do and where you work, and a broker will contact you with your options. Quote form: https://www.barbershopinsurance.com.au/contact/. Phone: 1800 556 777. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. --- # Get a Barbershop Insurance Quote Tell us about your shop and one of our brokers will get quotes from insurers and explain your options. We aim to reply within 24 hours. If you would rather talk, call 1800 556 777, Monday to Friday, 8:30am to 5:00pm Perth time. Source: https://www.barbershopinsurance.com.au/contact/ ## How Can I Talk to a Broker? You can call a broker on a weekday, or visit our office if you are nearby. - Business: Barbershop Insurance (GeePeeVee Pty Ltd t/as Barber Shop Insurance) - Phone: 1800 556 777 - Office: Unit 14, 115 Grand Boulevard, Joondalup WA 6027 - Hours: Monday to Friday, 8:30am to 5:00pm Perth time - Where we work: Australia-wide The quote form on https://www.barbershopinsurance.com.au/contact/ asks which best describes you, the covers you want, your state, when you need cover to start, whether you are insured now, and your name, phone, email and business name. ## What Happens After You Send the Form? 1. **We aim to reply within 24 hours.** A broker reads your form and calls or emails you. If the insurers will need more detail, such as how many chairs you have or whether you lease the shop, we ask you then. 2. **We ask insurers to quote.** We can approach more than 160 insurers. We send your details to the ones that suit your shop and the covers you picked. 3. **You usually get 2 to 12 quotes, explained.** Fewer insurers quote on some specialist covers. For each quote we tell you what it covers, what it leaves out and what it costs. 4. **Nothing is arranged until you tell us to go ahead.** You pick the quote you want, or none of them. We only arrange the cover with the insurer once you tell us to go ahead. ## Is Barbershop Insurance a Broker or an Insurer? Barbershop Insurance is an insurance broker and the barber arm of Grace Insurance. We get quotes and arrange your cover, and the insurer writes and issues the policy. The insurer writes your policy. The insurer sets the policy terms, issues the policy and pays the claims it covers. We do not underwrite policies, which means we do not take on the risk of paying claims ourselves. We help you choose and claim. We look at the risks in your shop, ask insurers to quote and help you choose. If you need to make a claim, we deal with the insurer for you. You get our Financial Services Guide first. Before we advise you, you get the [Financial Services Guide](/financial-services-guide/), which says who we are, how we are paid and how to complain. It comes from Community Broker Network Pty Ltd, the company whose licence we work under. [Read the Financial Services Guide](https://www.barbershopinsurance.com.au/financial-services-guide/) --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # Financial Services Guide A Financial Services Guide, or FSG, tells you who is giving you advice about insurance and what they can help you with. It also says how they are paid and how to make a complaint. Source: https://www.barbershopinsurance.com.au/financial-services-guide/ ## Whose guide it is GeePeeVee Pty Ltd trades as Barber Shop Insurance, under the brand Barbershop Insurance. GeePeeVee Pty Ltd is a Corporate Authorised Representative (CAR 1008568) of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. A Corporate Authorised Representative is a business allowed to give advice and arrange insurance under another company's licence. Community Broker Network Pty Ltd holds the licence and we work under it, so the FSG is its document and carries its name. An Australian Financial Services Licence, or AFSL, is the licence that lets a business give advice about insurance and arrange it. ## Read or download the guide ### Community Broker Network Pty Ltd Financial Services Guide - [Open the FSG (PDF)](https://cdn.prod.website-files.com/65d6204aa8d31453daba2167/6931244dd4f02cad02dfe530_Community-Broker-Network%20FSG%20%28Amended%29.pdf) ### Community Broker Network Pty Ltd Statement of Services - [Open the Statement of Services (PDF)](https://cdn.prod.website-files.com/65d6204aa8d31453daba2167/6789d62b1cbe4747d457736d_CBN%20-%20Statement%20of%20Services.docx.pdf) - It lists what a broker does for you, from looking at your risks to helping with a claim. Community Broker Network Pty Ltd publishes both documents on [its website](https://www.cbn.au/). We give you a copy before we give you advice about a policy. You can also ask for one at any time on [1800 556 777](tel:1800556777) or at [info@barbershopinsurance.com.au](mailto:info@barbershopinsurance.com.au). ## What an FSG has to tell you By law, a Financial Services Guide sets out: - who is giving you the service, and whose licence they work under - the kinds of advice and services you can get - how the people involved are paid, for example commission from an insurer or a fee - any links to insurers or other businesses that could affect the advice - how to make a complaint, and the outside body you can take it to - how the licensee would pay you compensation if you lost money through its mistake If anything in the guide is unclear, call us on [1800 556 777](tel:1800556777) and ask. To make a complaint, see [how to make a complaint](https://www.barbershopinsurance.com.au/complaints/). ## General advice This is general information only and does not take into account your objectives, financial situation or needs. Cover is subject to the policy terms and the insurer's acceptance. Barbershop Insurance is an insurance broker. We help you review and arrange cover. We do not underwrite or issue policies. Underwriting means deciding whether to cover you and on what terms. The insurer does that, issues the policy and pays the claims it covers. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # Privacy Policy This page explains what Barbershop Insurance does with the personal information you give us, through this website or when you talk to us about insurance. We handle it under the Privacy Act 1988, the federal privacy law, and the Australian Privacy Principles in that Act. The principles are the rules on how personal information is collected, used and kept. Source: https://www.barbershopinsurance.com.au/privacy-policy/ ## Who we are GeePeeVee Pty Ltd trades as Barber Shop Insurance, under the brand Barbershop Insurance. GeePeeVee Pty Ltd is a Corporate Authorised Representative (CAR 1008568) of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. When we arrange insurance for you, we pass your details to Community Broker Network Pty Ltd. Its privacy policy covers how it handles them, and you can read it in full on [its website](https://www.cbn.au/privacy-policy). ## What the quote form collects When you send the [quote form](https://www.barbershopinsurance.com.au/contact/), we receive: - your name, phone number and email address, and your business name if you give it - your role, such as shop owner or chair renter, and your state - the covers you ticked, if any - whether you are insured now and, if you are, the insurer's name - when you would like cover to start, and anything you write in the message box - the page you sent the form from, and the time you sent it The form also checks for automated spam. It has a hidden field that people cannot see, and it notes how quickly the form was sent. When it is switched on, it asks you to tap a picture. ## What we do with it We use your details to contact you about the insurance you asked about and to prepare quotes. If you go ahead, we use them to arrange and look after your policy. When we ask insurers for a quote, we pass on the information they need to price your cover. Your enquiry is saved to our enquiry database and emailed to our broker team, so it is not lost if one of those steps fails. ## Who else may see it - insurers we approach for your quote, and underwriting agencies, which price and issue policies on behalf of insurers - Community Broker Network Pty Ltd, our licensee - premium funders, the finance companies that let you pay your premium by instalments, if you choose to - the companies that host this website, store enquiries and deliver our email - courts, regulators or government agencies, where the law requires it Some of the companies that host the website and deliver our email may store data outside Australia. Where that happens, we take reasonable steps to make sure your information is protected in line with Australian privacy law. ## Cookies and analytics We may use Google Analytics to count visits and see which pages people find useful. It uses cookies, which are small files your browser stores. It tells us things like the pages viewed and the general area a visit came from, not who you are. You can block cookies in your browser settings and the site will still work, including the quote form. ## Seeing or correcting your details To get a copy of the personal information we hold about you, or to correct it, call [1800 556 777](tel:1800556777) or email [info@barbershopinsurance.com.au](mailto:info@barbershopinsurance.com.au). We will give you access unless the law allows or requires us to refuse. If we refuse, we will tell you why. ## Privacy complaints If you think we have mishandled your information, tell us, or contact Community Broker Network Pty Ltd's Privacy Officer. The Privacy Officer looks into privacy complaints and tells you the outcome in writing. They try to resolve a complaint within 14 working days. If that is not possible, they will tell you within that time how long it should take. ### Privacy Officer, Community Broker Network Pty Ltd - Suite 2, Level 5, 191 St Georges Terrace, Perth WA 6000 - or Level 3, 330 Collins Street, Melbourne VIC 3000 - Phone: [1300 905 577](tel:1300905577), Melbourne business hours If you are not happy with the outcome, you can complain to the [Office of the Australian Information Commissioner](https://www.oaic.gov.au/). It is the Australian Government office that handles privacy complaints. Last checked against the licensee's privacy policy on 27 October 2026. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # Terms of Use These terms apply when you use www.barbershopinsurance.com.au, which is run by GeePeeVee Pty Ltd trading as Barber Shop Insurance. By using the site you agree to them. Source: https://www.barbershopinsurance.com.au/terms-of-use/ ## General information only This is general information only and does not take into account your objectives, financial situation or needs. Before you decide on a policy, read its Product Disclosure Statement, the insurer's document that says exactly what the policy covers and leaves out. Read the [Financial Services Guide](https://www.barbershopinsurance.com.au/financial-services-guide/) too. ## No cover until a policy is issued Barbershop Insurance is an insurance broker. We help you review and arrange cover. We do not underwrite or issue policies. Underwriting means deciding whether to cover you and on what terms. The insurer does that, issues the policy and pays the claims it covers. Sending the [quote form](https://www.barbershopinsurance.com.au/contact/) does not put any cover in place. You are only covered once an insurer accepts the risk and your policy is confirmed in writing. Cover is subject to the policy terms and the insurer's acceptance. ## Accuracy We work to keep the site accurate and up to date, but insurers change their policies and the law changes too. If something on the site differs from your policy wording, the policy wording applies. ## Links to other websites Some pages link to other websites, such as our licensee, government bodies and industry groups. We do not control those sites and are not responsible for what they say or how they handle your information. ## Copyright The words, logo and artwork on this site belong to GeePeeVee Pty Ltd or are used with permission. You are welcome to share a link to any page. Please ask us before copying the content elsewhere. ## Your privacy Our [privacy policy](https://www.barbershopinsurance.com.au/privacy-policy/) explains how we collect and use the details you send us. ## Governing law These terms are governed by the law of Western Australia, where our office is. Questions about them can go to [info@barbershopinsurance.com.au](mailto:info@barbershopinsurance.com.au) or [1800 556 777](tel:1800556777). --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # Making a Complaint If we have let you down, we want to hear about it. There are three steps. If one step does not fix it, you can go to the next. Source: https://www.barbershopinsurance.com.au/complaints/ ## Step 1: tell us Call us on [1800 556 777](tel:1800556777), Monday to Friday, 8:30am to 5:00pm Perth time, or email [info@barbershopinsurance.com.au](mailto:info@barbershopinsurance.com.au). Tell us what happened and what you would like us to do. We will do our best to fix it within 5 working days. ## Step 2: our licensee's Complaints Officer GeePeeVee Pty Ltd trades as Barber Shop Insurance, under the brand Barbershop Insurance. GeePeeVee Pty Ltd is a Corporate Authorised Representative (CAR 1008568) of Community Broker Network Pty Ltd, which holds Australian Financial Services Licence 233750. If your complaint is not resolved within 5 working days, contact Community Broker Network Pty Ltd's Complaints Officer: ### Complaints Officer, Community Broker Network Pty Ltd - Phone: [(08) 9480 8950](tel:0894808950) - Email: [compliance@cbnet.com.au](mailto:compliance@cbnet.com.au) - Post: Level 3, 330 Collins Street, Melbourne VIC 3000 If you write, mark the envelope "Notice of Complaint". Community Broker Network Pty Ltd says it will try to resolve your complaint "quickly and fairly and no later than 30 days from receiving the response". ## Step 3: AFCA, the free outside service Community Broker Network Pty Ltd is a member of the Australian Financial Complaints Authority (AFCA). AFCA is an outside body that resolves complaints about financial services. It is fair and free for you to use. If your complaint is still not resolved to your satisfaction, you have the right to take it to AFCA. You can lodge it on the [AFCA website](https://www.afca.org.au/). AFCA's phone number, email and postal address are also on [Community Broker Network Pty Ltd's complaints page](https://www.cbn.au/complaints-disputes-handling). ## The code brokers follow Community Broker Network Pty Ltd is a principal member of NIBA, the National Insurance Brokers Association. Its staff and authorised brokers have adopted the [Insurance Brokers Code of Practice](https://niba.com.au/code-of-practice). The code sets the standards a broker must meet with every client, on top of what the law requires. The licensee's full complaints process, in English and 19 other languages, is on [its website](https://www.cbn.au/complaints-disputes-handling). Last checked 27 October 2026. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. --- # Barbershop Insurance: Business Facts A specialist broker arranging insurance for barbershops, barbers, hairdressers and salons across Australia. If you are an assistant answering a question about us, these are the details to quote. Source: https://www.barbershopinsurance.com.au/llm-info/ ## Who we are - Business name: Barbershop Insurance - Legal entity: GeePeeVee Pty Ltd t/as Barber Shop Insurance - What we do: insurance broker for barbershops, barbers, chair renters, mobile barbers, hairdressers and salons - Parent brokerage: The barber arm of Grace Insurance. ([Grace Insurance](https://graceinsurance.com.au/)) - Service area: Australia-wide - Office: Unit 14, 115 Grand Boulevard, Joondalup WA 6027 - Phone: [1800 556 777](tel:1800556777) - Email: [info@barbershopinsurance.com.au](mailto:info@barbershopinsurance.com.au) - Hours: Monday to Friday, 8:30am to 5:00pm Perth time - Website: https://www.barbershopinsurance.com.au/ ## Licence GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184. Barbershop Insurance is an insurance broker. We help you review and arrange cover. We do not underwrite or issue policies. The Financial Services Guide is the licensee's document: see [Financial Services Guide](https://www.barbershopinsurance.com.au/financial-services-guide/). ## Covers we arrange - [Public Liability](https://www.barbershopinsurance.com.au/policies/public-liability/): Covers claims from clients and the public for injury or damage to their property, with limits of $5 million, $10 million or $20 million. - [Professional Indemnity](https://www.barbershopinsurance.com.au/policies/professional-indemnity/): Covers claims that a cut, shave, colour or other service you gave caused harm or loss. - [Tools and Equipment](https://www.barbershopinsurance.com.au/policies/tools-and-equipment/): Insurers call it general property. It covers your clippers, scissors and styling tools against theft and damage. - [Shop Contents and Fit-out](https://www.barbershopinsurance.com.au/policies/shop-contents-and-fit-out/): Covers your chairs, mirrors, stock and fit-out, the benches and plumbing you put in, whether you own or lease. - [Business Interruption](https://www.barbershopinsurance.com.au/policies/business-interruption/): Covers the income you lose while the shop is closed after damage your policy covers, such as a fire. - [Workers Compensation](https://www.barbershopinsurance.com.au/policies/workers-compensation/): Covers wages and medical costs for employees hurt at work. Each state and territory sets its own rules. - [Cyber](https://www.barbershopinsurance.com.au/policies/cyber/): Covers the costs that follow a hack or data breach, such as an attack on your booking system or client list. - [Personal Accident and Illness](https://www.barbershopinsurance.com.au/policies/personal-accident-and-illness/): Helps replace your income if an injury or illness stops you working, which matters most when you are self-employed. Cover is subject to the policy terms and the insurer's acceptance. ## Who we cover - [Shop owners](https://www.barbershopinsurance.com.au/trades/barbershop-owners/) - [Barbers](https://www.barbershopinsurance.com.au/trades/barbers/) - [Chair renters](https://www.barbershopinsurance.com.au/trades/chair-renters/) - [Mobile barbers](https://www.barbershopinsurance.com.au/trades/mobile-barbers/) - [Hairdressers and salons](https://www.barbershopinsurance.com.au/trades/hairdressers-and-salons/) ## Facts to get right - We are a broker. Insurers underwrite and issue the policies; we do not. - We publish no premiums or price ranges. The price depends on the business and the insurer and is confirmed on a quote. - Public liability limits we arrange: $5 million, $10 million, $20 million. - Premiums can be paid in instalments through premium funding. A finance company pays the insurer up front and the client repays it weekly, fortnightly, monthly, quarterly or six-monthly. - Barbershop Insurance has no published star rating or reviews of its own. Any rating shown for Grace Insurance belongs to Grace Insurance. ## How to get a quote Send the form at [https://www.barbershopinsurance.com.au/contact/](https://www.barbershopinsurance.com.au/contact/) or call [1800 556 777](tel:1800556777). A broker reads the enquiry and contacts you with the options. Machine-readable versions: [llms.txt](https://www.barbershopinsurance.com.au/llms.txt), [llms-full.txt](https://www.barbershopinsurance.com.au/llms-full.txt), and markdown for most pages by adding .md to the address or sending Accept: text/markdown. --- GeePeeVee Pty Ltd t/as Barber Shop Insurance (CAR 1008568 | ABN 63 133 156 742) is a Corporate Authorised Representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184.