Industries / Fitness, beauty and wellbeing
Fitness, beauty and wellbeing: the covers businesses usually need
Personal trainers, gyms, hairdressers and beauty therapists work hands-on with clients. Their claims are usually about injury or a treatment that goes wrong.
What can go wrong
The exposures that drive claims in fitness, beauty and wellbeing.
Injury during training
A client is injured during a session or using gym equipment, and says the program or supervision was at fault.
Treatments
A chemical treatment, laser or cosmetic procedure causes a burn, reaction or scarring. Some insurers treat these treatments separately from general liability.
Premises and equipment
Gym equipment, salon fit-outs and stock are costly to replace after fire, flood or theft.
Working alone
Many trainers and therapists are sole traders, with no workers compensation if they are injured.
NoteLiability cover for fitness and beauty usually combines public liability with professional indemnity for the advice or treatment. Check that every treatment offered is listed on the policy.
Covers the lookup lists
What the industry lookup lists for typical businesses in this industry.
These are the results of the Cuttleflow industry lookup (release exp-0.7.0) for the businesses below, before any questions are answered. Answers about staff, vehicles, premises, contracts and the state change the list. Covers the lookup lists only as “consider” are left out here. Every class on the Commons wordings is available on Cuttleflow Go; “On Cuttleflow Go” links to the class. A Marketplace class is also placed by brokers through the Cuttleflow Marketplace.
- Personal trainers · ANZSIC 9111 Health and Fitness Centres and Gymnasia Operation
- Gyms · ANZSIC 9111 Health and Fitness Centres and Gymnasia Operation
- Hairdressers · ANZSIC 9511 Hairdressing and Beauty Services
- Beauty therapists · APRA JBEAUT Beauty Therapy
| Cover | Lookup tier | Where it is written | Listed for | Why it is listed |
|---|---|---|---|---|
| Workers compensation | Must have Compulsory where it applies | Statutory scheme (depends on state) | All of these businesses | Employers must hold workers compensation cover in every state and territory, apart from limited wage-based exemptions. Depends on: how many employees does the business have, not counting owners. |
| General liability | Recommended | On Cuttleflow Go | All of these businesses | Almost every business deals with customers, visitors or other people's property, so it can be held liable for injury or damage. |
| Management liability | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Companies and associations have directors or committee members who can be personally liable, and every employer can face employment claims. Depends on: what type of entity is the business. |
| Commercial motor | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business owns or leases fewer than ten vehicles used for work. Depends on: how many vehicles does the business own or lease for work; does the business own or lease vehicles used for work. |
| Motor fleet | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Ten or more vehicles can be insured as a fleet, priced partly on the fleet's own claims record. Depends on: how many vehicles does the business own or lease for work. |
| Business package | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Property, contents, stock, theft, money, glass and loss of income in one policy, often with liability. |
| Professional indemnity | Recommended | On Cuttleflow Go | Personal trainers, Gyms, Beauty therapists | This occupation gives advice or a professional service that clients rely on, so an error can cause them financial loss. |
Classes on the Commons wordings
Classes for this industry on Cuttleflow Go.
Brokers
Win clients in fitness, beauty and wellbeing
Put the industry lookup and an indicative price on your own channels, and take leads from the public marketplace when it opens. Place every risk once, with every market in the class, on the same wording.
Underwriting agencies
Write this business on Cuttleflow Go
Your own rates and rules on the Commons wordings, quoted to your brokers from day one and to Marketplace brokers when the class opens.
General information. This page is not advice about any business and does not recommend any insurer or product. The lookup’s rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
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