Insurance for health and beauty professionals

Choose a range of covers5 to protect your business
For acupuncturists, hairdressers, doctors, physios and other health and beauty professionals
Prefer to speak with a consultant? Call 1300 131 000.

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 protect 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. No matter your field, 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). Refer to the Product Disclosure Statement (PDS) for a full list of what is and isn’t covered in our Business Insurance Pack.


Save up to 10%2,3 
on your first year's premium when you buy a new Business Insurance Pack policy online.

From optometrists and massage therapists to hairdressers and beauticians, our
Business Insurance Pack 
offers a range of covers5 in one simple-to-manage, flexible policy designed to protect 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.

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, also known as 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 Business team on 1300 131 000.

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 guards to protect your business, and carrying out temporary repairs if necessary.

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.

Our Comprehensive Commercial Vehicle Insurance can protect 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.

Call us on 1300 131 000 to cover up to 20 vehicles, or add up to two vehicles when you buy Public and Products Liability Insurance as part of a Business Insurance Pack online.

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.

Business Interruption Insurance is only available when you take out Commercial Property Insurance.

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).

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. 

Prefer to speak with a consultant? Call 1300 131 000.
This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

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.

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase
You can pay monthly or annually at no extra charge to suit you and your cash flow
Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now
Make a claim online 24/7 or find a number for your claims category to lodge a claim over the phone
For more cover options, call 1300 131 000 to speak with a consultant.
  1. 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.
  2. Online discount terms and conditions
    A premium discount of up to 10% is applied to your first year's premium when you buy a new Business Insurance Pack policy online.

    Please note that the online discount doesn’t apply to Commercial Vehicle cover, Goods In Transit cover or the following Management Liability covers: Directors and Officers Insurance, Employment Practices Liability, or Crime Insurance (which are only available from our contact centre).

    This discount isn’t applied at renewal.
  3. Minimum premiums may apply
    Any discount and/or entitlements may be subject to rounding and only apply to the extent that any minimum premium isn’t reached.

    If you’re eligible for more than one discount, we apply them in a predetermined order. This means the effect of applying any subsequent discount will be applied to the reduced premium amount after applying any prior discounts. For example, the aggregate effect of applying two discounts consecutively means that you won’t see the full benefit of both these discounts.

    Discounts don’t apply to taxes or government charges. No discounts are applied to Commercial Vehicle cover.
  4. 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 Commercial Motor Insurance policy that you can consider instead.
  5. Range of covers
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.

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, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.