Insurance FAQ’S

Yes, coverage may extend to mobile beauty services and home-based businesses. Public liability coverage applies to services provided at client locations. Make sure your policy schedule accurately reflects where you provide services.

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 beauty businesses in Australia, it is commonly held by beauty businesses 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.

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