Insurance for Fitness Professionals
Combined Public Liability and Professional Indemnity cover
Public Liability cover up to $20m, Professional Indemnity up to $10m
Covers online classes, nutritional advice, and more
Competitive pricing with our Price Promise
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Protect your fitness and wellbeing business
Helping clients look and feel their best is your specialty, but anything can happen when you’re running a small business! Fitness professionals have a duty of care to clients, and if something goes wrong, you may be liable for compensation costs, legal fees, and other unplanned expenses.
Whether you’re a personal trainer, group fitness instructor, working from a gym, or running online classes, BizCover has you covered. We offer flexible, tailored cover options to protect your business, clients, employees, and equipment.
Choose from different types of cover designed for fitness and exercise professionals, including combined Public Liability and Professional Indemnity insurance.
Why do fitness & beauty businesses need insurance?
Fitness professionals may need insurance to manage the cost of everyday risks, like accidents, injuries, and negligence claims. Without insurance, you could end up paying unplanned bills out of pocket. You might also need insurance to meet contractual requirements and manage costs, such as:
Work as a contractor or subcontractor
Hold classes on council land
Provide fitness or nutritional advice
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.
Allied Health Combined Liability cover benefits
BizCover offers fitness professionals a combined Public Liability-Professional Indemnity policy designed to fit the industry’s unique risks.
Who needs fitness insurance?
BizCover helps fitness pros get personalised cover online, so you can get back to helping clients and running your business. Covered fitness specialities include:
Zumba Instructors
Gym Owners
Nutritionists
Group Exercise Classes
What types of insurance do fitness 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 business requirements
Common policies for fitness businesses:
Additional cover options:
How much does fitness 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.
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.
Unsure how much to choose? Think about:
Statutory Profession 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 over yourself, 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.
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.
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 over yourself, 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.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Others Have Saved By Purchasing a Policy Through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
No,business insurance is not mandatory by law for fitness instructors or businesses. However, there are times when insurance may be required to run your business.
Public Liability insurance may be necessary to work as a contractor or subcontractor at a gym or fitness studio. It may also be required to lease gym or studio space for your business or hold classes on council land.
Professional Indemnity and/or Public Liability insurance may be necessary to join a professional association.
Allied Health Combined Liability insurance provides two types of fitness liability cover in one convenient policy. It provides cover for common risks, such as:
• Client injuries (i.e., slips, trips, and falls)
• Third-party property damage
• Negligence claims
• Incorrect professional advice
Allied Health Combined Liability insurance typically does not cover:
• Employee injuries or if you are injured and unable to work
• Damage to your own business property
• Intentional damage or misconduct
• Known claims and circumstances
To get insured, you may be asked to confirm that you are appropriately trained or qualified to perform the activities that your policy covers.
No, you do not need an association membership to get cover.
Yes, Allied Health Combined Liability covers personal trainers. Personal trainers can also choose other types of cover for themselves and their business, such as Personal Accident & Illness and Business Insurance Package options like Contents, Portable Equipment, and Business Interruption cover.
Yes, fitness professionals can choose insurance that covers them when working in public spaces, such as a park, reserve, or other council land.
Yes, BizCover has fitness instructor insurance options made for sole traders and self-employed fitness professionals.
Hear from our customers
Always easy to use the website and any contact has been fantastic and very positive. Thanks for making things so simple and affordable
Nathan O
Such an easy and simple process. Best part is I was covered immediately.
Kiana S
Super easy, uncomplicated and exactly what I needed. Thanks!
Joshua D
Very easy to use website. Found what I needed straight away and was able to sign up for a new policy with a few easy steps.
Amy C
Real-life customer reviews verified by Feefo