Policy Features
Hairdressers cut, colour or style people's hair and can provide hair and scalp treatments.
Key exposures for Hairdressers
- Failure to remain update with current fashion styles.
- Failure to perform proper cleaning duties.
- Faulty organization.
- Failure to understand client's requirements.
- Failure to deliver to the clients instructions.
Why do Hairdressers need Professional Indemnity Insurance?
Hairdressers perform the following tasks:
- Providing services such as conditioning, bleaching, permanent waving and hair straightening.
- Drying and styling hair with combs, brushes, straightening irons and with some other equipment.
- Trimming and shaving moustaches and beards.
- Advising clients on hair care.
- Doing the cleaning, colouring, adjusting, curling and cutting wigs and hair.
- Maintaining client records
- Assisting the other hairdressers in shampooing and applying treatments.
- Making sure that all equipment are properly sanitized and cleaned.
- Advising on treatment of minor problems with the hair or scalp.
As a Hairdresser, you need to exercise great care while performing the above stated duties. If you make a mistake during the course of your work, there is a significant possibility that it could cause some financial loss to your client. Professional Indemnity Insurance covers you for any legal costs and any damages that may arise from the client filing a lawsuit against you.
Why purchase your Professional Indemnity Insurance through Express Insurance?
With Express Insurance, you can source a PI quote in seconds, and have the option of adding Public Liability Insurance. You can then proceed to buy the insurance and produce your Certificate of Insurance in minutes, or alternatively save the quote back to your email account for buying later.
And we save your details on Renewal of your insurance, making the process of renewing your PI Insurance even easier and quicker.
Throughout your experience with us our team of highly experienced PI specialists are a phone call away!
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.
Policy Features
Hairdressers
Price
PI premiums are determined by your Turnover and PL Premiums by the number of staff under your employ. All insurers charge a minimum premium .
We believe we have negotiated highly competitive premiums this class of insurance, and will continue to monitor premium levels available in the market to ensure this remains the case.
Purpose
From a compliance perspective and for your own protection you should have a minimum level of Professional Indemnity(PI) insurance. In the event that the services you provide for a client lead to a claim against that client they will generally look at claiming against the provider. PI insurance will protect you in the event that this occurs.Convenience
We have designed the Insurance application process so it only takes an average of 5 minutes to complete your application. In most cases your application will be instantly approved online, and you can print your Confirmation of Insurance to prove that you have the requisite cover in place... It's that easy!! All other documentation, such as your tax invoice, policy schedule and wording will be emailed directly to you for your records.
If the policy can't be issued immediately because we require further information, we will contact you generally on the same day.
Renewal
Approximately one month prior to the renewal of your policy you will receive a renewal reminder email with a link that will allow you to review your previous years cover and renew the policy even quicker!
* We have minimized the number of referral situations so that most applications will be automatically accepted. However, if for example you have prior claims we will contact you to facilitate completion of your application personally with the Insurer.
Insurer
Your Public Liability Insurance policy is arranged by Express Insurance acting as an agent of Berkley Insurance Australia, a registered business name of Berkley Insurance Company (ABN 53 126 559 706) and part of the W.R.Berkley Corporation.
Berkley Insurance Australia underwrites a significant portfolio of general insurance business in Australia. They are fully authorised and regulated by the Australian Prudential Regulator Authority (APRA) which is the prudential regulator of the Australian financial services industry.
The financial strength rating of Berkley Insurance Australia is "A+ (Strong)" by Standard & Poor's.
Charitable Contribution
For each policy completed online we make a donation to Skin & Cancer Foundation.
About Skin & Cancer Foundation
The Skin & Cancer Foundation Inc is a not-for-profit, DGR registered, organisation which provides specialist treatment, education and research for a wide variety of skin disorders, skin cancers and melanomas.
Lodge a Claim
We will work with you to ensure that claims are handled in a professional manner and that you get a fair outcome from the Insurer. The first step is to lodge your claim as outlined below.
Please complete the claim form and email to australia@wrberkley.com
