Health and Fitness
Health and Fitness
The health and fitness industry supports personal wellbeing through coaching, movement, nutrition, and lifestyle services but it also carries elevated risks tied to personal injury, incorrect advice, data privacy, and high client interaction. Whether you're a fitness coach, yoga instructor, physiotherapist, or wellness centre owner, you face potential liability claims, equipment damage, and business disruption.
At Angelic Insurance, we provide general advice to help health and fitness professionals explore cover options such as public liability, professional indemnity, equipment insurance, cyber liability, and business interruption. We compare policies from trusted Australian insurers to help ensure your cover aligns with your service delivery model, clientele, and risk profile.
From group training studios and allied health clinics to online fitness programs, we help keep your business healthy, resilient, and protected.
Why Choose Angelic Insurance?
The health and fitness industry requires coverage that supports both physical safety and professional responsibility. Angelic Insurance provides experienced support tailored to your field:
Cover for Coaches, Instructors, Studios, and Clinics
We assist personal trainers, Pilates instructors, wellness coaches, physiotherapists, and gym operators with insurance suited to their unique services.
Professional Indemnity for Advice and Treatment Risk
If a client suffers injury or harm due to training plans, dietary advice, or therapeutic guidance, professional indemnity cover helps manage the legal and compensation costs.
Public Liability for Physical Premises and Events
Whether at your studio or off-site, you need protection from third-party claims due to slips, falls, or equipment-related injuries.
Cyber and Privacy Protection
If you operate online programs, book through apps, or store client health data digitally, cyber liability insurance can help in the event of a breach or ransomware attack.
Equipment and Interruption Cover
We help review policies for gym gear, therapy tools, and business continuity, so you’re prepared for theft, damage, or unexpected closure.
Industry Challenges
Professionals in health and fitness face a wide array of risks that can affect both client trust and business viability. Without adequate cover, you may experience:
Client Injuries or Claims of Misadvice
If a client gets injured during a session or believes your program caused harm, your business may face legal action. Indemnity and liability cover are essential.
Damage or Theft of Equipment
From reformers to resistance bands and therapy tools, stolen or damaged equipment can interrupt sessions and reduce revenue. Equipment insurance helps replace lost assets.
Data Breaches or Privacy Issues
Fitness apps, CRM tools, and online coaching portals are targets for cybercrime. Cyber cover helps with legal obligations and client notifications.
Business Interruption from Illness or Disaster
If you’re unable to work due to illness, building damage, or utility outages, business interruption insurance helps maintain income during recovery.
Licensing or Lease Compliance
Landlords and councils often require public liability and indemnity cover for business approval. We help ensure you meet these conditions on time.
Plant and Equipment Insurance
Frequently Asked Questions
Coverage includes liability, equipment, mobile services, and client injury.
Yes, Professional Indemnity and Public Liability apply.
Yes, mobile Equipment Insurance is available.
Yes, Public Liability Insurance applies.
Yes, custom cover for studios is included.
Yes, Cyber Insurance is available
Yes, Business Interruption cover is available.
Angelic Insights
