Business insurance for wellness & sport professionals
Protect your wellness or sport business with insurance tailored to your activity
Whether you cut hair, give massages or train clients as a personal trainer, your work carries specific risks that business insurance is designed to cover. Discover Public Liability and Professional Indemnity cover built for wellness and sport professionals in Ireland.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Our insurance is for
Why business insurance is essential in wellness and sport
Everyday risks you should not underestimate
Working closely with people's bodies exposes your business to particular risks. From a technical treatment in a nail salon to a consultation with a naturopath, these activities share common exposures:
Client injuries: during treatments, massages or training sessions
Allergic reactions: to products you use (creams, lotions, polishes, hair colour)
Accidents on your premises: slips, trips and burns
Damage you accidentally cause: to clients or their property
Cover built for your profession
Public liability insurance protects your business when you accidentally injure a client or other third party, or damage their property, in the course of your work. If your profession involves advice or guidance (sports coaching, naturopathy), professional indemnity insurance covers financial loss caused by a professional error.
What is Public Liability insurance?
How does public liability work? If a third party, like a client or a member of the public, holds you responsible for an injury or for damage to their property, public liability insurance takes care of your defence costs and any compensation due.
What does it cover? Injury or property damage caused to others in the course of your work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim. Optional covers can be added: Employers' Liability (€13 million per claim) if you have staff, and Third-party objects and sites for damage to equipment or premises of others in your care (up to €5,000 per claim).
Cover that fits your profession. You describe your activities fully at sign-up, and your cover matches what you actually do: hands-on treatments, salon services, massage, one-to-one and group training or wellness consultations.
Is it mandatory? Public liability isn't required by law in Ireland. However, many venues, gyms, landlords and clients require proof of cover before you can work with them. With Insify, cover starts from €7.55 per month.
Who needs it? Any wellness or sport professional who works with clients in person: in a salon or studio, at a gym, outdoors, or at a client's home.
What is Professional Indemnity insurance?
Professional indemnity covers the purely financial loss a client suffers because of a professional mistake you made: wrong advice, a miscalculation, a missed detail, or an error in something you delivered. It doesn't cover injury or damage to property (that's public liability).
What counts as a professional mistake? Advice that turns out to be wrong, an error in a plan, programme or recommendation a client relied on, or an assessment that costs your client money.
Who is it for? People whose work is advice, expertise or deliverables rather than hands-on work. In wellness and sport that mostly means advice-led professions like sports coaches and naturopaths: the plans, programmes and guidance your clients pay for.
How does the cover respond? It's written on a claims-made basis: the claim must be made and reported to us while your policy runs.
Switching to us from another insurer? Work from up to 5 years back is covered, provided your previous policy would have covered the claim.
Leaving? Claims about work done while you were insured must be reported before your policy ends, unless run-off cover is arranged.
Cover that fits your profession. You select your activities when you apply, so the policy and its exclusions match what you actually advise on and deliver. You also choose a cover limit from €125,000 up to €1.25 million per claim, and up to twice that per insurance year; cover starts from €10.80 per month.
Which cover do you need?
Most businesses are exposed to both. One covers injury and damage, the other financial loss from your work. You can combine them in one Insify policy. Cover limits, excess and exclusions apply. See the policy wording.
Public Liability insurance
Covers claims when your work injures someone or damages something that belongs to them. For example, someone trips over your equipment, or you damage a floor while working at a client's premises.
- Choose your cover: from €1.25 million up to €6.5 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Staff? Add optional Employers' Liability with €13 million cover per claim
- Most relevant when your work brings you into contact with clients, the public, their premises or their belongings
Professional Indemnity insurance
Covers purely financial loss a client suffers through a professional mistake, oversight or wrong advice, with no injury or property damage involved. Think of work a client claims was unfit for purpose and cost them money.
- Choose your cover: from €125,000 up to €1.25 million per claim, and up to twice that per insurance year
- Excess from €0, depending on your turnover
- Most relevant when clients pay you for advice, programmes and plans
What's covered
Home hairdressing
Trade in beauty products (such as shampoos, creams, lotions, nail polish, scissors, tweezers)
Sports coaching (like individual and group coaching sessions, technical skill development, tactical training and strategy, fitness and conditioning programmes)
Participation in or execution of business trips
Use of land, buildings or premises for the insured activity
Promising or guaranteed results (such as weight loss)
Organising events, associations or foundations (for sports coaches)
Manufacturing or marketing of products
Treatments for pregnant women or children under 7 years (excluding therapy, yoga and prenatal singing)
Administration or use of unauthorised, hallucinogenic or psychotropic substances
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
Some examples
A client suffered a severe allergic reaction to a hair colour product and needed medical treatment. Public Liability covered the compensation and legal costs.
A client slipped on a wet salon floor and fractured her wrist. The claim for her injury and lost earnings was covered.
During a personal training session a client was injured by equipment that had been set up incorrectly. The trainer was held liable and the claim was covered.
A client suffered a severe allergic reaction to a hair colour product and needed medical treatment. Public Liability covered the compensation and legal costs.
A client slipped on a wet salon floor and fractured her wrist. The claim for her injury and lost earnings was covered.
During a personal training session a client was injured by equipment that had been set up incorrectly. The trainer was held liable and the claim was covered.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Frequently Asked Questions
Public Liability covers injury or damage you accidentally cause to clients and other third parties: a client slips on a wet floor, or a treatment causes a burn. Professional Indemnity covers purely financial loss caused by your professional advice or services, which matters most for professions that guide or advise clients, such as sports coaches and naturopaths. For hands-on professions like hairdressing and nail styling, Public Liability is the essential cover, since your main risks involve clients on your premises and the products you use. If you're unsure, describe your activity at sign-up and you'll be guided to the cover that fits.
Public liability insurance isn't required by law in Ireland. In practice, however, it is often required by clients, venues, landlords and local authorities before you can rent a chair, hire a studio or run sessions in a gym or public space. Professional indemnity is generally optional too, though some regulators and professional bodies require it. So while the law may not force you to insure, the market you work in usually will.
Injuries during treatments and training sessions are among the most common claims in wellness and sport. If a client is injured and holds your business responsible, Public Liability cover responds to the claim where you are found legally liable. Report the incident as soon as possible so the claim can be handled quickly. Good records (what happened, when, who witnessed it) make the process far smoother.
Yes, this is one of the core risks addressed for beauty and wellness professionals. If a client suffers an allergic reaction or skin damage traced to a product you applied, and your business is legally liable, the cover responds to compensation claims. Patch testing and careful product records remain your first line of defence, but even careful professionals face claims. Describe your activity and the products you work with fully at sign-up so your cover matches what you actually do.
Yes. Your premium and cover are based on your business's real profile: the actual premium depends on your activity, turnover, cover amount and excess. That means a self-employed mobile hairdresser is not priced like a large salon with staff. Declare your turnover accurately at sign-up so your cover matches reality, and review it as your business grows.
Public Liability cover starts from €7.55 per month. The actual premium depends on your activity, turnover, cover amount and excess, so a nail technician and a wellness centre will not pay the same. You see your price online in minutes, with no obligation. Start a quote, describe your activity fully, and compare options to fit your budget.