Insurance FAQ’S

Public Liability insurance is not legally required for handymen in Australia, but it is commonly expected. Many clients, builders and principal contractors require evidence of cover before work starts. Public Liability insurance is designed to cover your legal liability if a third party is injured or their property is damaged as a result of their business activities, subject to the policy terms, limits and exclusions.

Several factors can impact the cost of policy premiums for hairdressers in Australia. These include the type of coverage your practice requires, such as Public and Products Liability, which can be tailored to hairdressers. The nature and scope of your business activities, the services you provide, and the sensitivity of the data you hold may also affect your premium. Other contributing factors include annual turnover, number of employees, location, claims history, and the cover limits and applicable excess you select. Because each business is different, costs can vary significantly, and premiums may change at renewal in line with risk and claims experience.

Public Liability insurance is designed to cover claims where a client or member of the public is injured or their property is damaged as a result of the services you provide. While it is not a legal requirement for barbers in Australia, it is commonly held by barbers across Australia. Many clients, venues and booking platforms may require you to hold a current Public Liability policy before they will engage your services. Without this type of cover, you could be personally liable for legal costs and compensation claims. Speaking with an insurance broker can help you understand whether Public Liability cover is appropriate for your circumstances.