What we can cover

Whether you’re a work-from-home hair stylist, mobile hairdresser, or run a hair salon, Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A customer trips while standing up from a salon chair and is injured.
• You accidentally drop hair dye on a client's handbag causing permanent damage.
• A customer has an allergic reaction to a beauty product.
• You spill hot wax onto a client’s phone, damaging it.
• A client claims damage from a tanning product you applied, saying it permanently stained their clothing.

What’s not covered

• Workers Compensation – for example, your employee is injured on the way to a hairdressing appointment. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is dissatisfied with their haircut and demands a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Product recalls – for example, you sell a beauty product to a client which is recalled, damaging your business’s reputation.
• Damage to your own property – for example, you drop and damage your hair curler. More information on damage to your own property