AAMI offers cover for:
Hair & Beauty Insurance
Customisable business insurance for professional hairdressers, barbers, beauticians, nail stylists and other hair & beauty businesses.
Join over 70,000 small businesses that chose AAMI
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OCCuPATIONS
Types of hair and beauty businesses we cover
Don’t see your occupation listed below? Check if we provide cover for your business type by getting a quote online or giving us a call on 13 22 44.
Running your business from home?
BASE COVERS
What's included
Public Liability and Products Liability
INCLUDED
Cover for your legal liability if your business or products cause personal injury to a third party (another person who isn’t an employee), or damage to their property. Depending on your occupation, you can select a limit of up to $5 million, $10 million or $20 million.
Public & Products Liability
Covers for situations like:
Contents & Stock
INCLUDED FOR FIXED PREMISES ONLY
Cover for damage to contents and stock at your business premises resulting from an insured event. Insured events include flood*, fire*, lighting, and explosions.
Contents & Stock
Covers for situations like:
other COVERS we offer
Add extra coverage
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Tools and portable equipment
Tools & equipment
Covers for situations like:
Income protection
Back in Business
Covers for situations like:
We call this 'Back in Business' and it can provide cover for a reduction in business revenue and increased costs of working up to 12 months arising from the interruption or interference to your business due to loss or damage from insured events covered by your policy.
Tax probe
Tax Probe
Covers for situations like:
Commercial motor
Commercial motor
Covers for situations like:
This information is a summary only. For more info on the covers we offer and what isn’t covered, including terms, limits, conditions and exclusions, read the relevant Product Disclosure Statement (PDS) and Policy Wording.
*We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Damage from cyclone within 72 hours of commencing a new policy is also not covered. Refer to the PDS and Policy Wording for details.
Express Claim Settlements with AAMI
If your Commercial claim is under $15,000 and lodged online, you may be eligible for our express settlement.1 Claims lodged online will receive a claim number within 4 hours of lodgement and we will keep you informed via Online status updates.2 For further details, visit our Business Insurance Claims page.
Claim online now
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.
Why people choose AAMI
Skip the queue and do it online
AAMI business Insurance
Frequently Asked Questions
Business insurance can help provide cover against financial losses from risks like property damage, loss of revenue or liability claims. This can include cover for public & products liability claims, commercial motor vehicles and property.
There are a wide range of small business types in Australia, which is why we offer a wide range of policy options that you can tailor to suit the needs of your business.
Each state or territory may have different insurance requirements for your business. Some businesses must have Public Liability Insurance to legally operate. Depending on your business type, you may also want to consider having other coverage for things like damage to your commercial property and vehicles, loss or theft of portable valuables and cover for tax audits.
All AAMI Business Insurance policies include Public Liability Insurance. You can then add other covers to your policy such as cover for damage to your business premises (under Property Damage), vehicles and equipment (under Commercial Motor), and loss of revenue if your trade is disrupted due to an insured event (under Back in Business).
AAMI Business Insurance provides cover for a range of hair and beauty treatments including the following:
This list isn’t exhaustive, so if you’re unsure whether we provide cover for a particular treatment you perform. Give us a call on 13 22 44.
If you run a business from home, a standard AAMI Home & Contents Insurance policy generally won’t cover your business activities and assets. Luckily, AAMI Business At Home Insurance can combine cover for your home and/or contents, as well as your home-based business in one convenient policy.
Some types of at-home businesses we can cover with this policy include:
For more details on this policy, check out Business At Home Insurance.
No, AAMI Business Insurance is not Workers Compensation insurance. Workers' compensation is a compulsory insurance for all employers in every State and Territory in Australia and provides protection to workers if they suffer a work-related injury or disease. GIO offers Workers Compensation Insurance and you can find more information on the GIO website.
No two businesses are the same and neither are two business insurance premiums. The quickest way to get an insurance quote price for your business is by going online.
You can pay for your AAMI Business Insurance policy annually or in monthly instalments at no extra cost. Payments can be made via credit or debit card, or via direct debit.
According to the Australian Taxation Office (ATO), you may be able to claim deductions for most operating expenses in the same income year you incur them. Insurance premiums are included in the ATO’s definition of operating expenses. However, be sure to seek independent tax advice related to your individual circumstances.
Yes, it does. AAMI Public Liability Insurance provides cover within the geographic limitations for the business activities noted on your policy schedule. Refer to the PDS and Policy Wording for more details including what we mean by ‘geographic limitations’.
It’s easy! You can make claim online here.
If you make a Commercial Property or Specialty claim online under $15,000, you may also be eligible for our Express Settlements.1
1. Subject to sufficient information being provided. Only available for Commercial Property and Specialty claims, excludes Motor and Home claims.
Business Insurance
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Owning and operating a business comes with a lot of responsibility. Learn more about why it’s important to cover your business with Public Liability insurance.
AAMI offers cover for:
Hairdressing
Hairdressing treatments include the following:
Treatments not covered
Treatments not covered
Treatments not covered
Hairdressing
Hairdressing treatments include the following:
Treatments not covered
Treatments not covered
Treatments not covered
Public & Products Liability
Covers for situations like:
Contents & Stock
Covers for situations like:
Tools & equipment
Covers for situations like:
Back in Business
Covers for situations like:
Theft
Covers for situations like:
Commercial property
Covers for situations like:
Tax Probe
Covers for situations like:
Money
Covers for situations like:
Glass
Covers for situations like:
Commercial motor
Covers for situations like:
Terms & Conditions - Express claims settlement
1 Subject to sufficient information being provided. Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims.
2 Only available for Commercial Property, Product Liability and Engineering claims, excludes Motor and Home claims. Only available for claims lodged Online.