Health, beauty & fitness insurance.
Whether you’re a fitness instructor, massage therapist, barber, esthetician, makeup artist, or stylist, you’re part of the growing health, beauty, and fitness industry. Having insurance helps build professional trust and protect your finances, your business and clients.
Insurance for everywhere your business operates.
Health, beauty & fitness businesses are often flexible. Your insurance should be too!
whether you operate from a commercial property, visit clients at home, or connect virtually, having the right coverage is key to protecting what you’ve worked hard to build.
Coverage can be tailored to your unique business needs. Your policy can include:
Commercial General Liability Insurance
Protects your business if you’re responsible for bodily injury. For example, If someone trips or injures themself on equipment in your studio.
Business Interruption Insurance
Business interruption insurance helps cover lost income and expenses if work is temporarily halted due to an insured event. For example: If an essential piece of equipment malfunctions or property damage means you can’t meet with clients.
Product Recall Insurance
From contamination issues to labeling errors, having product recall coverage helps ensure you can respond quickly to protect customers, maintain product quality, and recover with confidence.
Professional Liability (Errors & Omissions/ Malpractice)
This professional liability insurance protects your business against mistakes and errors related to advice, services and treatments.
Tools & Equipment Insurance
From exercise equipment to massage tables, hairdryers and everything in between–tools and equipment Insurance covers repair or replacement of items if they’re stolen, lost, or damaged on-site, in storage, or in transit.
Product Liability Insurance
Product liability insurance protects you if products you sell or use (such as skincare or wellness products) cause injury or harm.
Commercial Property Insurance
Repairing damage to your clinic, studio, gym or salon can be a major financial setback without the right insurance. Like home insurance commercial property insurance helps protect your building and it’s contents from unexpected losses.
Commercial Auto Insurance
Standard car insurance policies aren’t enough if you drive for work beyond a standard commute to and from the office. If your business requires driving to clients’ homes, traveling for consultations, transporting materials, or making deliveries, commercial auto insurance is crucial.
Get a quote designed to keep up with your work.
Wellness industries move fast. Protect your equipment, space, clients and reputation.
Request your quote, and we’ll get back to you within two business days with a customized policy designed to support your business with every flex, breath, trim or application.
Working in wellness means practicing your passion while managing risks.
Even experienced wellness professionals can face challenges such as:
Client injuries during treatments or workouts
Allergic reactions or adverse treatment outcomes
Claims of improper instruction or advice
Damage to rented studio or clinic space
Theft of equipment or supplies
Commercial insurance designed for health, beauty and fitness experts helps minimize the financial impact of these situations.
Who Is Health, Beauty & Fitness Insurance For?
This insurance is designed for a wide range of Ontario professionals, including:
Personal trainers and fitness instructors
Yoga, Pilates, and group fitness instructors
Massage therapists
Estheticians, skincare specialists, and makeup artists
Hair stylists and salon owners
Wellness coaches and holistic practitioners
Physiotherapy, rehab, and allied health providers
Whether you’re self‑employed or run a growing studio, coverage can be customized to your needs.
Why Health & Wellness Professionals in Ontario Need Insurance
Working directly with clients (often in physical or hands‑on environments) comes with increased risk. Even with proper training and care, accidents and claims can happen.
In Ontario, insurance may be required to:
Rent or operate from a studio, clinic, or commercial space
Work with gyms, spas, or wellness facilities
Meet professional association or certification requirements
Protect against lawsuits and legal costs
Without coverage, a single claim could have a serious financial impact on your business.
HEALTH, BEAUTY & FITNESS INSURANCE
The right insurance means the support to grow with confidence.
Your clients rely on your expertise and care to feel and look their best. Protect your business with insurance built for Ontario’s health, beauty, and fitness professionals.
Get a quote today and secure coverage that keeps your business moving forward.
Health, Beauty & Fitness Insurance FAQs
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Health, Beauty & Fitness Insurance is a specialized business insurance package designed for professionals who provide physical, personal, or wellness services.
Coverage is tailored to protect against risks such as:
Client injuries or accidents
Claims related to professional services or advice
Property damage
Equipment loss or theft
Business interruptions
Whether you work from a studio, clinic, salon, gym, or client homes, the right insurance helps protect your livelihood.
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It may not be legally required, but many studios, gyms, landlords, and professional associations require proof of insurance.
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General liability covers accidents like slips or falls, while professional liability covers claims related to your services, advice, or treatments.
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Yes. Policies can often be extended to cover home-based businesses and mobile services.
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Costs depend on your profession, services offered, revenue, and coverage needs. Often policies are more affordable for sole practitioners.
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Absolutely. Coverage can be tailored to match your specific services, equipment, and risk exposure.
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In many cases, you can get a quote quickly and secure coverage in a short timeframe, depending on your business details.