Underwritten by Zurich Financial Services Australia Ltd - ABN 11 008 423 372
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Premium Claims Service
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Monthly Payment Facilities
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Competitive Premiums
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Broad Policy Coverage
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Industry Experience
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Extensive professional Liability
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Flood Cover Option
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Tax Audit Protection
FAQ's
What happens if somebody breaks my shop window late at night?
O’Brien Glass is Zurichs recommended repairer and are available at all hours on free call number 1800 060 007. They will fix your glass, collect your excess and deal with Zurich for you, so all it takes is one phone call.
If I do work away from my salon, am I covered?
The public liability cover we can arrange through Zurich is Australia wide. Therefore if you are demonstrating your normal activities at trade expo’s or other similar events, or even doing mobile work the policy cover continues.
How long has your company been in business?
We are an authorised representative of Direct Insurance Brokers Pty Ltd which has been operating for more than 25 years. For more details about Direct Insurance Brokers please visit www.directinsurance.com.au. Our salon insurance package has been offered through Direct Insurance Brokers for almost 10 years. Salon Insurance Australia is focused on the salon industry and designed to give a more personalised service.
What other insurance policies can you arrange?
Through our brokerage we are also able to offer other business policies, Income Protection,
Home and Contents, Professional Indemnity, Motor Vehicle, and much more. Please see our
website at www.directinsurance.com.au for further details, or call us on 1300 373 586.
What happens if I get broken into after hours?
If you need to report a claim after business hours, please call Zurich 132 687 and quote your
Policy Number, which is on the top right hand corner of your invoice.
Do I have the right insurance protection for my lease?
Before you sign a lease, it is important that you make sure the terms of the contract coincide with your insurance policy. Most commercial leases require a minimum of $10 Million Liability and Plate Glass insurance, however they are all different. If you want to make sure you have the right level of cover, please contact our office.
If I change treatments do I need to advise you?
Although our current treatment wording is extensive, you should contact us if you are performing any new treatments so that we can confirm cover is in place, or advise otherwise.
If somebody rents a space from me in my salon, are they covered under my policy?
As this is becoming a common occurrence within the industry we do have options available however as we do have to make special arrangements to allow this cover you should contact us to discuss in detail.
How can I go about arranging Workers Compensation insurance?
We have provided direct links to Workers compensation state based websites. You can find this by going to our "Contact Us" page or selecting the link in the lower left hand corner of the city/state based pages on the website
What is flood, and are you able to arrange this cover for me?
Many people get confused as to how insurers define Flood. With Zurich, you are automatically covered for Flood, unless you are in an extremely risky area that is prone to flooding. In some cases this can result in a higher excess if you are in a Flood prone area.
If I cancel my policy mid-term, will I get a refund?
Yes, a pro-rata return premium will be generated for any period of insurance cover which you didn’t use. Fees and charges do apply for cancellations however this is standard for most insurers. If you require your policy to be cancelled, please click here to download our required form?
These examples have been prepared as general advice only and without taking into account your current objectives, financial situation or needs. You should not rely on this general information without seeking individual advice and assessing what cover is appropriate for you, considering your own individual circumstances. In making any insurance decisions, you should read and consider the insurer’s Product Disclosure Statement (PDS) or Policy Wording. We are happy to provide full details of our products on request. You should also obtain and read our Financial Services Guide (FSG) which contains information about the services we provide.
