As a health or beauty professional, your work revolves around the treatment and wellbeing of your patients and clients. It takes dedication and care to build a successful practice, so it’s important to help cover your hard work with business insurance.
Health and beauty practitioners face risks as diverse as accidental damage to expensive equipment, or patients or clients being injured at your premises. You may consider covering your business and its assets with our Business Insurance Pack.
Note: We don’t offer medical indemnity insurance pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth). Our policy does not provide a ‘regulated insurance contract’ required by medical practitioners or registered health care professionals. Refer to the for a full list of what is and isn’t covered in our Business Insurance Pack.
Covers for health and beauty professionals
From optometrists and massage therapists to hairdressers and beauticians, our offers a range of covers2 in one simple-to-manage, flexible policy designed to cover your business. Here’s a small selection of what health and beauty professionals might consider.
Start with Public Liability, then you can choose additional covers to suit your business.
Public Liability Insurance
Accidents can happen at your practice. Whether a patient or client slips on a wet floor or a supplier injures themselves while making a delivery, accidents can lead to expensive legal claims.
Our Public Liability Insurance, included in our Public and Products Liability Insurance, covers you if a member of the public is injured, or their property is damaged, at your business premises or while using your products or services. It covers compensation you’re legally liable to pay, plus your reasonable legal fees.
Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Australian-based Business team on.
If your practice or salon features glass windows, doors, display cases or shelves, there’s always the risk of accidental breakage. Our Glass Insurance is designed to cover the cost of replacing and fixing unexpectedly broken glass.
This can include the repair or replacement of signwriting and fittings surrounding your windows, as well as damage to illuminated/advertising signs or stock damage caused by the broken glass.
If the security of your business premises is affected due to glass breakage, our Glass Insurance can also cover the cost of employing security to guard your business, and carrying out temporary repairs, if necessary.
Commercial Property Insurance
Your work area contains not only your furniture and fittings, but may also contain treatment equipment and medical supplies. These assets are often specialised and expensive to replace.
Commercial Property Insurance covers you for accidental damage to your property insured, such as your practice fit out, contents, and medical supplies in case of unexpected insured events such as storms and fires. Commercial Property Insurance can help you repair or rebuild your business if something goes wrong.
Commercial Vehicle Insurance3
Our Comprehensive Commercial Vehicle Insurance can cover your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third-party property caused by your vehicle.
Choose from three types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.
Helpful tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you if a loss occurs while using your car in connection with your business, such as driving to sites or client meetings to conduct your work. Check your personal car policy to see if you’re covered.
No matter how prepared you are, life can throw unexpected events your way that can interrupt the success of your business. Our Business Interruption Insurance covers your lost income, profits or turnover as a result of unforeseen defined insured events. These can range from storms to fire.
Before you buy
You may need to hold a certain amount of professional indemnity insurance in order to practise as a health professional. Check the AHPRA regulatory requirements for your occupation.
It’s important to note that our insurance for health professionals isn’t medical indemnity insurance pursuant to the Medical Indemnity (Prudential Supervision and Product Standards) Act 2003 (Cth). Our policy does not provide a ‘regulated insurance contract’ required by medical practitioners or registered health care professionals.
If you rent your practice premises, your lease may require you to take out a minimum level of public liability cover. Your lease or landlord may also specify a minimum amount of glass cover, so it’s important to check before you buy.
If your business has employees, workers compensation insurance is mandatory in all Australian states and territories. Our Workers Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.
Note: Workers Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.
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- Pay by the month (Payment instalments)
Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
- Range of covers
Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.
- Commercial Vehicle Insurance
Commercial Vehicle cover is only available to buy under the Business Insurance Pack if you also buy Public and Products Liability Insurance or Commercial Property under the same policy. If you don’t require Public and Products Liability Insurance, we offer a standalone policy that you can consider instead.
IBA General Insurer Claims Team of the Year in 2021.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the relevant for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.