Is Your Business Insurance Australian Made?

For small business owners in the professional beauty industry, ensuring one’s products are Australian made is a sure-fire way of connecting with your client base.

Small businesses are at the heart of the Australian economy and supporting your local strikes deep into the pathos of the Australian identity. The effect is nearly unanimous, with 96% of Australians saying they prefer to buy products made in Australia, according to Roy Morgan research — way ahead of products made in other countries.

The professional beauty industry has a particular advantage to tap into the Australian-made market, with Australia’s botanically diverse yet rugged environment placing it at the pinnacle of beauty development. Time and again, savvy small business owners not only take full advantage of the wonderful array of native flowers, fruits and fragrances readily available, but they formulate their products with the breezy Australian lifestyle in mind.

Knowing your customers has helped facilitate Australia’s love affair with its own products. And for good reason! Who knows Australians better than Australians? And who knows the nuances of your hometown better than a small business owner who grew up there? If the Australian-made mantra works for your industry, why not employ it in other areas of your own professional beauty business?

The BizCover story

In an industry dominated by big players, time-consuming paperwork and poor service levels, getting your business insurance sorted used to be one of those painful tasks.

Our founders were troubled by the merry-go-round small businesses had to go on just to get the right insurance cover for their business. So they set out to give small businesses a fair go.

From humble beginnings in the heart of Sydney, they boldly disrupted the insurance market by creating BizCover, an online service to simplify comparing and buying business insurance from some of Australia’s leading insurers.

This revolution allowed them to reduce costs, increase pricing transparency and decrease the hassle of getting insured for time-poor and cost-conscious small business owners. So, if keeping it in Australia is important to you, BizCover is your Aussie-made business insurance solution.

We know the beauty industry

While we know Aussies because we are Aussie, we also know the risks of the professional beauty industry. Business insurance is there to protect a variety of different beauty businesses. From nail salons to mobile make-up artists, the types of claims you may potentially face could include anything from a third party injuring themselves on your business premises to some bad advice that you give out.

So, what types of insurance do beauty professionals need to consider? Let’s look at what cover you could get to keep your business performing a cut above the rest!

Professional Indemnity Insurance*

Your goal is to make your clients look and feel great. But sometimes things can go wrong, which can be an emotional and traumatic time. A compensation claim against you could be very costly to your business, not to mention damage your reputation.

Professional Indemnity insurance is designed to protect your business from claims made against you arising from actual or alleged negligence or omissions in the provision of your professional service or advice. It will assist with the legal costs associated with responding to or managing claims covered by your policy.

Public Liability Insurance*

Beauticians are often in close contact with your clients, making Public Liability insurance an important cover for beauty therapists. An infection on your client’s finger resulting from a poorly done manicure or a botched lip job could result in a claim made against you, which could spell disaster for your professional beauty business.

Fortunately, this is where Public Liability insurance can provide peace of mind and protection for your business. Public Liability insurance protects your professional beauty business in the event a third party is injured or sustains property damage as a result of your negligent business activities.

Get your business insurance Australian-made

Ensuring your supplies and products are Australian made makes good business sense. So why not get your professional beauty business insurance with an Australian business too?

Visit where you’ll get multiple competitive quotes in minutes from a great range of leading Australian insurers. Select your preferred policy, and you’ll be covered instantly, so you can get back to helping your local Aussie community doing what you love.

*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. © 2022 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769

This article first appeared in the January-February 2023 print issue of Professional Beauty, and is sponsored by BizCover.

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