Insurance for Fitness & Beauty
Public Liability and Portable Equipment Cover
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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:
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 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
Select Profession
Pick Your Covers
Add Business Details
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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
Instant policy docs to your inbox.
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 while purchasing 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.
Hear from our customers
Real-life customer reviews verified by Feefo
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