Hairdressers and Beauticians Insurance
Having worked with hairdressing and beauty business operators all over Australia for almost 25 years, we have a genuine understanding of the cover these businesses need. Over the years we have insured the local hair salon operator in the suburban strip as well as leading national chains such as Just Cuts and Hairhouse Warehouse franchisees.
Most businesses we come across in this market tend to have concerns about what is and what is not covered under their Liability insurance policy. Does the insurance policy (Product Disclosure Statement) provide cover for treatment risk such as chemical straightening or permanent colour? Does the policy cover ear piecing? What about other types of piercing? What about Microdermabrasion or IPL hair removal?
These are common questions often asked of us.
The business insurance policy we discuss with you is designed to meet the day to day needs of hairdressers and Beauticians without the gaps. What may not be covered is clearly explained to you.
Café Insurance
Café and Restaurant insurance pricing in the market ranges dramatically between insurers.
Sometimes it feels like one year the insurer wants to deal with you, but the very next year they change their underwriting guidelines and suddenly restaurants or cafes are classes of business they no longer want to insure and premiums escalates accordingly.
Whilst some insurers are happy to insure small cafes with bench top fryers, they may price themselves out of competing for your business if you have a larger deep fryer with 20 litre capacity or more.
We understand how insurers work with the majority of our staff having worked for insurers. We also understand hospitality business operation and where your claims are likely to come from. For example, we know from experience you will have a machinery breakdown claim at some point if you operate a café or restaurant. A fridge motor or cool room motor operating 24 hours, 7 days a week has only a certain lifespan and will eventually breakdown resulting in a financial loss to your business. We can plan for such events and ensure we help you to better manage your business and minimise your costs as best as possible.
Clothing and Shoe Shop Insurance
We offer extremely competitive premiums and covers for clothing and shoe shops. We know these are extremely competitive markets were margins can be tight. The insurance covers take into consideration the type of shop you operate such as a sport shop, a bridal boutique, casual wear and various shoe shops.
We can provide you higher insurance burglary limits where cover is required. We understand that burglary and glass damage tend to be one of the main areas of claims for your business, so we structure the policies to provide broad covers and wider benefits whilst maintaining competitive premiums.
Music, DVD and Video shops insurance
Technology means that your business has to constantly change in order to survive, only a decade or so video shops were selling videos and music shops CD’s. So much has changed in terms of technology and how music and DVD’s are purchased and the methods in which they are delivered.
We know your business is forever changing and you have to introduce different concepts to remain competitive. We ensure from our end we remain competitive and we can cater for these changes by understanding your business and planning for new technology and growth.
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