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Beauty Therapist Insurance & Fitness Instructor Insurance

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The pursuit of a career in the fitness and beauty industries is often driven by a love for the job, and the desire to help others get into their peak physical condition, whether that be in the gym or in the salon.

The vast majority of fitness instructors and beauty therapists, however, operate on a self employed basis, often based at multiple venues, which can make getting the relevant insurance policies seem like a daunting task.

Making sure you have the right levels of insurance protection from the start means you can carry on with the day to day running of your fitness or beauty business confident in the fact that you’re protected.

Fitness instructor insurance can be particularly complicated if you’re frequently making use of heavy or complex equipment in your day to day interactions with your clients, so it’s absolutely necessary that you have the correct coverage to indemnify you against allegations of negligence that could cause physical harm.

Getting beauty therapist insurance, though, can also seem like a difficult task if you’re not familiar with the insurance world or the beauty industry itself.

At Caunce O’Hara, we understand the practice of beauty therapy in all it’s forms, as well as the necessary levels and types of insurance coverage that are needed specifically for the beauty industry, as well as businesses in general.


Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote


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What Insurance Do I Need?

The type of insurance you’ll need depends upon the nature of your business. With Caunce O’Hara, beauty therapists and fitness instructors are able to build a custom made insurance policy to suit specific needs. Insurances in this sector that you can choose from include:

  • Professional Indemnity Insurance

    Professional indemnity insurance is not just specific to beauty therapists or fitness instructors, it’s an insurance that protects you as well as your clients, and serves to mitigate the risks that come as a result of working in the fitness and beauty sectors. Within these industries specifically, those working on an independent or self-employed basis are unfortunately open to accusations of poor practice, or negligence. Professional indemnity insurance for beauty therapists and fitness instructors will enable you to defend such claims should the need arise.

  • Business Combined Insurance

    A comprehensive package of insurance for beauty therapists and fitness instructors, business combined insurance aims to protect you from various scenarios which may arise during everyday practice. Combined insurance packages are usually comprised of public liability insurance, employer’s liability insurance, directors insurance and contents insurance where you have a premises or equipment. Whilst the need to make a claim on any of these policies may be rare, the need for them should not be underestimated. Comprehensive cover ensures you’ll be protected in the, hopefully unlikely, event that the need should ever arise.

  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRCTax Enquiry & Legal Expenses Insurance & Contract Review investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Personal Accident & Sickness Insurance

    For anyone who works on a self-employed basis, the prospect of losing your income through sickness or injury is one that you have to consider when you’re setting up your business. To prevent sickness or injury from ruining your beauty or fitness career, you can cover yourself with personal accident and injury insurance. This is an insurance for fitness instructors in particular to consider given the nature of the job, as it means that you don’t need to risk your livelihood every time you risk injury. Personal accident and injury cover will usually insure a proportion of your income so that you can remain financially stable during unforeseen downtime caused by an accident or illness.


  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
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