A client is burned or overcome by heat
Hot heaters and surfaces cause burns, and heat or cold stress can trigger a client health incident. Public liability responds to claims that you were legally responsible.
Insurance for health & wellness centresCover for heat, cold,
Cover for heat, cold,
and everything between.
Saunas, cold plunge, infrared and contrast therapy: recovery spaces carry risks a regular gym never sees. GymCover arranges one flexible business pack for Australian wellness and recovery centres: public liability, your saunas, chillers and fit-out, and the income you’d lose if you had to close. Priced live by Australian insurers.
Real price in about 3 minutesPay monthly or yearlyA broker on your side at claim time
Up to $20Mpublic liability cover
~3 minto a real, live price
Australianinsurers only
1-to-1broker support included
Made for recovery spacesWhatever your centre
Whatever your centre
runs, we cover it.
A recovery centre isn’t a gym. Heat, cold and water sit side by side, the equipment is expensive and specialised, and clients put real trust in how you run the space.
The quote asks about your business type, turnover, staff and up to three locations, and you switch on only the sections you want. You set the replacement value of your saunas, plunge baths and chillers yourself, so the cover matches what you own.
- ✓Sauna & infrared studios
- ✓Ice bath & cold plunge
- ✓Contrast & recovery centres
- ✓Float & sensory tanks
- ✓Wellness & day spas
- ✓Mobile & pop-up recovery
Why it mattersThe risks a centre
The risks a centre
actually carries.
These are the moments cover is built for. A recovery centre’s exposures look nothing like a 24/7 gym’s, so the pack is shaped around heat, cold and water.
Someone slips near the water
Wet floors around plunge pools, ice baths and showers are a classic slip-and-fall. Liability covers claims from a third party injured on your premises.
A sauna or chiller is damaged
Saunas, chillers, pumps and float tanks are costly. Property and breakdown cover repair or replace them after an insured event or a mechanical failure.
Your centre has to close
Fire or water damage can shut recovery down for weeks. Business interruption can help with the income lost after insured damage, for the indemnity period chosen.
What’s coveredOne pack. Switch on
One pack. Switch on
only what you need.
Eleven sections sit inside the GymCover pack. These are the ones health & wellness centres most commonly switch on. You choose the sections, limits and excess to suit your centre.
Public & products liability
A claim that you’re legally responsible for a client’s injury in your centre (a slip near the plunge, a wet-area fall) or for damage to someone else’s property.
Limits up to $20M
Property & contents
Your saunas, plunge baths, chillers, fit-out and stock, protected against fire, storm, water and accidental damage.
You set the value
Equipment breakdown
Saunas, heaters, chillers, pumps, water filtration and electronics that stop working through mechanical or electrical failure.
Repair or replace
Business interruption
The income you’d lose while an insured event keeps your centre closed and bookings off the calendar.
For the period you choose
Theft & money
Break-ins and stolen contents or stock, plus cash on site and takings on their way to the bank.
Contents & takings
Portable equipment
Mobile and pop-up recovery gear (portable ice baths, massage guns, laptops and speakers), covered away from site.
Cover away from site
Eleven sections in one pack. Glass, employee fraud, tax audit and gear in transit are there too if your business calls for them.
Common questions
Good to know.
General information about cover for health and wellness centres. Questions about how a cover works? A broker is a message away.
Ask us anythingWhat insurance does a sauna and ice bath studio need in Australia?
Most recovery centres start with public liability (for third-party injury and property damage) plus property cover for their saunas, plunge baths, chillers and fit-out. Many also add business interruption for lost income, equipment breakdown, and theft & money. GymCover bundles these into one business pack so you switch on only the sections your centre needs.
Does public liability cover a client burned in a sauna or injured in an ice bath?
Public liability is designed to respond to claims where you’re found legally responsible for a client’s injury, for example a burn, a slip near the plunge, or a heat or cold-stress incident. Cover depends on the policy wording and the circumstances, which is why the PDS is shown before you pay and a broker is available to talk it through.
Are my saunas, chillers and plunge baths covered if they’re damaged or break down?
Yes. Property and contents cover protects your saunas, plunge baths, chillers and fit-out against insured events like fire, storm and water damage, and equipment breakdown covers mechanical or electrical failure of the heaters, pumps and filtration. You set their replacement value during the quote, and it’s worth setting it in full: if the sum insured is below 80% of the true replacement cost, the insurer can reduce a claim in proportion. Theft cover generally needs forced entry, and flood is an option you switch on, not automatic.
Do I need cover for slips and falls around wet areas?
Wet floors around plunge pools, ice baths and showers are one of the most common causes of a claim. Public liability responds where a third party is injured on your premises and you’re found legally responsible. Keeping wet areas well maintained and signed helps, and a broker can walk you through it.
I run a mobile sauna or ice bath hire. Can I still be covered?
Often, yes. Portable equipment cover can extend to the ice baths and gear you transport between venues. Mobile hire is a different risk to a fixed centre, so mention it to a broker before you buy and they can confirm the insurer will cover how you operate.
How much does health & wellness centre insurance cost?
It depends on your turnover, how many saunas, plunge baths and locations you run, the sections you switch on and the limits you choose. Rather than quote a generic figure, GymCover prices your centre live with the insurer, usually in about three minutes, and shows the premium broken down to the cent before you decide.
Ready when you arePrice your centre before
Price your centre before
your next booking starts.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.