Free fact finder · Australia
Beauty therapists' insurance fact finder
Built from Arch's beauty therapist liability form and CFC's allied and medical combined liability form. Each question is asked once in plain English. Send it to your client and their answers fill each insurer's form.
- No login needed
- Fillable PDF with your logo
- 96 questions
- Written for AU rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Which treatments does the salon offer? Tick all that apply.Injectables, lasers, peels and cosmetic tattooing are rated far higher than nails or waxing.
- 2Do you patch test every client before their first laser or IPL treatment?Burns from laser and IPL are the most common beauty claim.
- 3Are all the peel solutions you use 30% strength or weaker?Stronger peels burn more easily. Many insurers limit cover for them.
- 4Does anyone give injections away from the salon, such as home visits or parties?Injections outside a clinic are excluded by many policies.
- 5Are any products sold under your own label or brand?Selling under your own label makes the salon responsible for the product as if it made it.
- 6Do you keep a written record of every treatment, including the products and equipment used?Good notes are the main defence when a client says a treatment went wrong.
The salon
Entity, people, professional bodies and turnover by state.
Treatments
Everything from nails and waxing to peels, injectables, lasers, IPL and cosmetic tattooing.
Products you sell
Retail and wholesale sales, own-label products and anything made or mixed in the salon.
Treating clients
Qualifications, medical histories, treatment records and sterilising instruments.
Claims and cover
Past treatment claims, complaints, the retroactive date, current insurer and the limits needed.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts a needs summary for you to finish.
Free 14-day trial
Minimum cover
What sets the limit
We know of no regulator that sets a minimum insurance limit for beauty therapists in Australia.
- Leases
- Shopping centre and retail leases usually set the public liability limit a salon must carry. Check the lease.
- Contracts
- Spas, hotels and gyms that host treatments often set limits in their agreements. Check each one.
A summary, not advice. Some states license skin penetration, lasers or IPL. Those licences may carry their own conditions.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the client's needs summary
- Next year, your client only confirms what changed
Before you ask
Questions about the beauty therapists fact finder.
- Is the beauty therapists' fact finder really free?
- Yes. Answer it on the page as your client would, then download it as a fillable PDF with your logo, with no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- Which insurers' forms does it fill?
- Arch's beauty therapist liability form and CFC's allied and medical combined liability form. It also fills the general liability, cyber and management liability forms, from insurers including CFC, Chubb, DUAL and Pen. The page shows how much of each one it fills.
- Is there a minimum limit for beauty therapists?
- Not from a regulator that we know of. Shopping centre and retail leases usually set the public liability limit. Spas, hotels and gyms that host treatments often set one in their agreements.
- Does it cover injectables and lasers?
- Yes. When your client ticks injectables, peels, lasers, IPL, cosmetic tattooing or teeth whitening, it asks the extra questions insurers need for each one.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder