What's covered

Whether you’re a home-based hair dresser, beautician, or nail stylist, AAMI Business At Home Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury) – for example, a customer trips while standing up from a salon chair in your home and is injured.
• Public & Products Liability (damage) – for example, you accidentally spill hot coffee on a customer’s phone while they’re picking up an order.
• Property Damage – for example, a fire* breaks out in your home and damages your hairdressing equipment.
• Theft – for example, someone breaks into your home and steals some of your equipment.
• Back in Business – for example, your home ceiling collapses in a storm, blocking customer access and leading to lost income.
• Money – for example, your business money is stolen in an armed hold-up on your way to the bank.
• Commercial Motor – for example, your business vehicle is damaged in a hailstorm.

What’s not covered

• Dissatisfied customer – for example, your customer is dissatisfied with their haircut and demands a refund.
• Wear and tear – for example, your salon chairs are starting to tear on the seat and need to be replaced.
• Shoplifting – for example, a customer received a treatment and left without paying.
• Workers Compensation – for example, your employee is injured on the way to a hairdressing appointment. This would typically be covered under Workers Compensation Insurance.