💇Service & Mobile

Public Liability Insurance for Hairdressers

Hairdressers work with chemicals, hot equipment, and client health risks. Our hairdressers insurance covers chemical burns, allergic reactions, property damage, and injury from equipment like hair dryers and straighteners.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $350💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Hairdressers in NZ

Chemical burn compensation

Allergic reaction injury claims

Eye injury from products

Thermal burn liability

Infection or illness claims

Legal costs for defending claims

Emergency medical response costs

Typical NZ Premium

$350 – $800/year

Cover limits: $1M or $2M

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⚠️ Key Risks Facing Hairdressers in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by hairdressers in New Zealand:

01Chemical burn from hair dye or perm solution

02Allergic reaction to hair products

03Eye injury from chemicals or product

04Thermal burn from hot styling tools

05Injury from scissors or sharp tools

06Infection from non-sterile equipment

07Property damage from product stains

08Injury to third parties in salon

Frequently Asked Questions

Does the cover include mobile hairdressing?

Yes. Mobile hairdressing is covered. You may need home-based business cover if you work from home. Disclose your location with your insurer.

What if a client has an allergic reaction to hair dye?

If you patch tested and the client still had a reaction, insurance covers the medical costs. Always conduct patch tests and keep records.

Am I covered for hair loss claims?

If hair loss results from chemical damage or poor handling, you may be liable. Insurance covers injury claims. However, some policies exclude cosmetic damage claims.

Do I need to declare all products I use?

It helps to disclose major products. Professional-grade products are standard. Over-the-counter products may have different coverage. Discuss with your insurer.