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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.

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.
Popular cover types for fitness and beauty professionals:
Fitness and beauty businesses could also consider
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.

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:
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.

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 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.
How it works – buying online
5 easy steps to get instant cover online today

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See how much others have saved while purchasing policy through BizCover
^ 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.
Real-life customer reviews verified by Feefo