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What is fitness & beauty insurance?

Insurance for fitness and beauty businesses helps you manage the cost of everyday risks, like client injuries, incorrect advice, and portable equipment. 

Helping clients look and feel their best is your specialty, but anything can happen when you’re running a small business! The cost of accidents and other unforeseen events might leave you with expensive bills that could drain your bank accounts. 

Fitness and beauty insurance helps protect you and your business from the costs of claims, lawsuits and other unplanned bills. 

What is fitness insurance

Why do fitness & beauty businesses need insurance?

Fitness and beauty professionals may need business insurance to meet contractual obligations and pay unplanned expenses.

Work as a contractor or sub-contractor

Rent a chair in an established salon.

Hold classes on council land or rent salon space

Repair or replace equipment

Pay legal costs if you face a liability claim

Let’s cover your small business on the go

Start a quote to see how much you can save and buy online in minutes.

Who needs fitness & beauty insurance?

Many allied health professionals consider insurance to protect their businesses, from physiotherapists and chiropractors to coaches and counsellors.

Hairdressers

Zumba Instructors

Hair Removal Services

Barbers

Gym Owners

What types of insurance do fitness & beauty businesses need?

We offer a range of policies designed to cover your business, stock, equipment, and more. Build an insurance package that fits your needs and buy in minutes.

Public Liability

Covers costs and legal fees if you negligently cause injury to a member of the public or damage to property.

Public Liability insurance

Professional Indemnity

Covers losses and legal fees as a result of alleged or actual negligence in your professional services or advice.

Portable Equipment

Covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording.

Tool cover

Contents Insurance

Covers loss or damage to business items at the insured location, such as equipment, stock, machinery, and furniture

Contents coverage

Glass Insurance

Covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises

Glass insurance

How much does fitness & beauty insurance cost?

The average cost of insurance for fitness and beauty businesses can vary. Insurance premiums are based on several factor, including the services you provide, your business location, and the types of cover you choose.

Fitness insurance cost

Factors influencing cost

Risks of the industry 

Cover level amount

Annual turnover

Number of employees

Claims history

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $250K
  • $10M

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Fitness insurance cost

Factors influencing cost

Risks of the industry 

Cover level amount

Annual turnover

Number of employees

Claims history

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $250K
  • $10M

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

Worst case scenario claim size

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

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See how much others have saved while purchasing policy through BizCover

Colette

Disability Care Worker from

NSW

Saved

$1,200

on

Public Liability and Professional Indemnity insurance

Disability care worker
Andrea

Beautician from

VIC

Saved

$1,500

on

Business insurance Pack and,
Public Liability and Professional Indemnity insurance

Andrea, Beautician saved $1,500 on Professional Indemnity, Public Liability and Business Insurance
Deborah

Cleaner from

VIC

Saved

$3,600

on

Public Liability insurance

Cleaner from VIC saved on Business Insurance with BizCover
Lance

Electrician from

ACT

Saved

$800

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Public Liability insurance

Electrician saved $800 on Public Liability insurance
Stephen

IT Professional from

VIC

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Information Technology Liability insurance

IT Professional saved on IT Liability with BizCover
Linda

Restaurant owner from

NSW

Saved

$1,000

on

Business Insurance Pack and
Public Liability insurance

Restaurant owner saved in Business Insurance with BizCover

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