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Liability Insurance for the Beauty Industry...

 

Premiums start at $550.00 per year
(GST & Stamp Duty included) for:

$1,000,000 Malpractice (Professional Indemnity) & $10,000,000 Public Liability cover.

 

To receive a confirmed quote, please complete the form below. You will receive a confirmed quote on the same business day or the next business day if received after hours.

If you would prefer to talk to a broker first, please call Liability Brokers 1300-881-779 between 8.15am and 5.15pm E.S.T. business days and receive an indicative quote over the phone.


Client Details...

Insured Name:

Trading Name:

ABN No.(if applicable):

Full Address:

Email Address:

Website Address (if applicable):

Telephone No:

Start date of business:

If you have already spoken to someone in our office, please note their name here so that this form can be processed by them as they will know something about you already.

Brokers Name:

 

Is cover for any subsidiary or associated company?
Yes    No
If you answered "Yes" above, please give details.

   

Does Your business incorporate any prior trading entities?
Yes    No
If you answered "Yes" above, please give details.

   

Professional Duties...

What is your occupation (eg.Aromatherapist):

Please provide a full description of Your business activities.

   

Risk Information...

Do all staff performing services have the minimum qualifications required to the general accepted standards of the Business Activities / Services provided?

Yes    No

   

Do you have Sun Beds, Solariums or Tanning Beds?

Yes    No

If "Yes" above, please how many?

   

Do you manufacture, alter, repair, repackage or import any Products for sale?

Yes    No

* Please note that there is no cover for private label products.

   

What percentage of your turnover is derived from the sale of Products?   %

   

Do you use a medical history / client information form in all cases?

Yes    No

   

Do you use a hold harmless or informed consent form?

Yes    No

   

Quote Required...

Please nominate the amount of covers you require:

Malpractice Insurance
(Professional Indemnity)
  .    

Public Liability

$1,000,000

Not required

$2,000,000

$5,000,000

$5,000,000

$10,000,000

$10,000,000

$20,000,000

* Standard cover is $1,000,000 Malpractice & $10,000,000 Public Liability cover

   

Services Provided...

Please change to a "Yes" the services you provide.
Acid/Chemical peels (max strength 60%)
Acupuncture
Alpha Hydroxy Acids
Aromatherapy
Biomesosculpture
Body Piercing (excl Gentialia & tongue)
Body Wrapping
Caci Facial
Ceya
Cosmecanique
Cosmetic Tattoo/Micropigmentation
Counselling
Cryoprobe Treatment (excluding all diagnosis)
Crystal Healing
Ear candling
Ear piercing
Electrical Epilations (inc skin types 4 & 5)
Electrolysis
Electrotherapy
ELOS Pitanga hair removal & rejuvenation
Endermologie
Epidermal levelling
Eyebrow shaping / tinting
Eyelash grafting/extension/ tinting
Facials
Galvanic Treatment
Hairdressing
Hair Transplant Services
Hot Stone Massage
Hydrotherapy
Hypnotherapy (excluding regressive memory therapy)
Intense Pulse Light - Skin types 1-6
ION Detox Treatment
Kinesiology
Lamprobe treatment
Laser Tattoo Removal
Laser Treaments - Skin types 1-6
LHE
Life Coaching (excluding financial/wealth advice)
Lymphatic Drainage/massage
Make up
Manicure
Massage
Mesotherapy - Skin rejuvenation only
Microcurrent Treatment
Microdermabrasion
Muscle manipulation therapy
Nail extensions
Naturopathic Consulation
Non-Surgical Facelift
Oxygen Therapy
Pedicure
Phototherapy
Red Vein Treatment
Reflexology
Reiki
Sauna ( incl. Infra red)
Sclerotherapy
Skin Needling
Solarium/Sunbed
Spa Treatment
St Tropez Tan
Sugaring
Teeth Whitening
Tooth Jewels
Ultrasonic Cavatation
Waxing
Weight Loss management
Other - please provide details

   

Do you envisage any major changes in your activities? Yes    No
If "Yes", please provide full details:

   

Underwriting questions...

   

No. of full time people in the business
.
No. of part time people in the business
.
Gross Revenue - last year
Australia If Nil, put in "0"    
Elsewhere If Nil, put in "0"    
.
Estimated Revenue for next year
Australia If Nil, put in "0"    
Elsewhere If Nil, put in "0"    

If you conduct or have conducted business in overseas countries, please provide details:

   

Please state the percentage of Your activities (based on income) for each State
ACT NSW NT QLD SA TAS VIC WA O/Seas
% % % % % % % % %

   

Contractors...

Do you employ contractors, sub-contractors? Yes    No
If you answered "Yes", what duties do they perform?

Do You require cover for sub-contractors?
Yes    No

If "NO", do You insist they carry their own insurance?
Yes    No

   

Insured's History...

During the past 10 years, has any claim been made against you, your principals, employees or consultants for Medical Malpractice, Public Liability, Professional Liability or had any circumstance been notified to the insurers that might give rise to a claim?
Yes    No

If you answered "Yes" above, please give details.

Is any applicant aware of any claim or circumstances that might give rise to a claim against the Business or any prior business of any of their present or former Partners, Principals or Directors, which matter is not referred to above?
Yes    No

Has any applicant ever been subject to disciplinary proceedings for professional misconduct?
Yes    No

Has any applicant ever had a Liability Insurer decline to continue the applicant's insurance or cancel their insurance?
Yes    No

Have you (or any person receiving cover under this policy) ever:
  • Been involved in a company that has been declared bankrupt or insolvent?
  • Been liable for any civil offence or pecuniary penalty?
  • Been charged or convicted for any criminal offence?
  • Been charged or convicted for fraud, theft or dishonesty?

Yes    No


Security: Type the above number:



Declaration...

By submitting this Declaration, the Applicant declares that:
  • they are authorised by each of the other Applicants to make this Declaration,
  • the contents of the Declaration are true and complete,
  • they are under a continuing obligation to immediately inform the insurer of any change in the particulars or statements contained in this Declaration or in the accompanying documents up until the contract is entered into,
  • they authorise the insurer to give or obtain from other insurers or insurance reference bureaus or credit reporting agencies, any information about this insurance or any other insurance held by the Applicant/s.
  • they are not involved in any of the activities or industries that are noted under the Uninsured Activities section at the top of this form.

Name of person making this declaration:


   


   

 

Duty of Disclosure (What you must tell us)
Under the Insurance Contracts Act 1984 (the Act), you have a Duty of Disclosure. You are required before you enter into, renew, vary, extend or reinstate your Policy, to tell us everything you know and that a reasonable person in the circumstances could be expected to know, is a matter that is relevant to our decision whether to insure you, and anyone else to be insured under the Policy, and if so, on what terms.
You do not have to tell us about any matter:
  • that diminishes the risk
  • that is of common knowledge
  • that we know or should know in the ordinary course of our business as an insurer, or
  • which we indicate we do not want to know.
  • If you do not tell us
If you do not comply with your Duty of Disclosure we may reduce or refuse to pay a claim or cancel your Policy. If your non-disclosure is fraudulent we may treat this Policy as never having worked.
Claims Made Policy
The Professional Indemnity section of this Policy operates on a 'Claims made and notified' basis. This means that the Policy covers you for Claims made against you and notified to us during the Period of Insurance.
This Policy does not provide cover in relation to:
  • acts, errors or omissions actually or allegedly committed prior to the retroactive date of the Policy (if a date is specified);
  • claims made after the expiry of the period of insurance even though the event giving rise to the Claim may have occurred during the period of insurance;
  • claims notified or arising out of facts or circumstances notified (or which ought reasonably to have been notified) under any previous Policy;
  • claims made, threatened or intimated against you prior to the commencement of the period of insurance;
  • facts or circumstances of which you first became aware prior to the period of insurance, and which you knew or ought reasonably to have known had the potential to give rise to a Claim under this Policy;
  • Claims arising out of circumstances noted on the proposal form for the current period of insurance or on any previous proposal form.
Where you give notice in writing to the insurer or any facts that might give rise to a claim against you as soon as reasonably practicable after you become aware of those facts but before the expire of the period of cover, you may have rights under Section 40(3) of the Insurance Contracts Act 1984 to be indemnified in respect of any claim subsequently made against you arising from those facts notwithstanding that the claim is made after the expiry of the period of cover. Any such rights arise under the legislation only. The terms of the Policy and the effect of the Policy is that you are not covered for claims made against you after the expiry of the period of cover.

   

If you need advice, please call Liability Brokers    1300 881 779