The Product Disclosure Statement and Policy Booklet (PDS) contains the terms and conditions of our Business Insurance policy. Download the policy booklet.
HOME BASED BUSINESS
Need help protecting your home based business? Find out how.We understand that the insurance needs of hairdressers and beauty salons are unique. We have drawn on our years of experience insuring these businesses and have developed a range of covers to suit your needs. Choose or tailor a package to suit you out of a choice of cover options that are right for your business, and pay only for the insurance you need.
Why wait? Call us today on 132 818.A day in the life of Catastrophe Kate
Kate is our case study character and her day of disasters will illustrate how the right insurance cover is essential to your business. Kate, fortunately, does not exist. Her experiences are a compilation of the typical claims that we receive from owners of hairdressing salons and beauty salons.
On her way to her salon, Catastrophe Kate stops for coffee and a box of hair products is stolen from her locked car. She arrives at work to discover she has been burgled and has lost a cash register, some computer equipment and stock.
Luckily, Kate is covered for both the robbery from her car and for the burglary at the salon under her Burglary and Transit cover option. Later that morning, Kate misreads instructions and burns a client's skin. The client threatens to sue but luckily Kate is covered for treatment risk under her Broadform Liability (Personal Injury).
At lunchtime, a runaway supermarket trolley shatters the glass of Kate's shopfront, destroying the illuminated advertising sign. Fortunately, Kate is covered under her Glass cover option for the broken glass plus the sign writing on the windows, and the advertising sign.
A short time later, a power surge destroys a number of computers, printers, a fax and a laptop, wiping out critical business information. Kate is covered for the damage plus the loss of data, under her Electronic Equipment cover option.
As the day wears on, temperatures soar and the air-conditioners give up the uneven battle. Kate is covered for this under her Machinery cover option. Leaving the salon, Kate discovers graffiti across her walls. Luckily she is covered for malicious damage under her Fire and Other Defined Events cover option.
That night, the salon catches fire. Kate's stock, her computers, printers, cash register and the furniture and flooring are destroyed. Thanks to the same Fire and Other Defined Events cover option Kate is covered for the damage.
Kate's day induces severe hypertension which eventually renders her incapable of working but luckily her livelihood is protected by her Personal Accident and Illness cover option which allows her to employ someone to fill in for her until she is better.
The above scenarios sketch the broad outlines of some of the cover options suitable to your business. For further details on the cover, additional benefits and exclusions for each cover option, as well as further cover options, please consult the Product Disclosure Statement or call us on 132 818.
As a hairdresser or beauty salon owner, you may want to consider such cover options as:
- Fire, storm and other defined events (includes malicious damage)
- Accidental damage
- Liability for personal injury and property damage
- Burglary and Transit cover
- Glass breakage cover
- Electronic Equipment cover
- Machinery cover
- Personal Accident and Illness cover.
More information on all Business Insurance cover options.
Taking the next step
Call us on 132 818 to request a quote or to discuss your needs with a Business Insurance Specialist.
Insurance issued by Insurance Australia Limited ABN 11 000 016 722 trading as SGIO. When making decisions about the product you should consider the Product Disclosure Statement available from SGIO.
