Fitness Professionals Insurance Online Public Liability Insurance Calculator

Estimate your public liability insurance needs with our Public Liability Insurance Calculator. Calculate the right levels of cover to protect your business investment and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Public Liability – Limit Recommendation Calculator

This tool helps you choose an appropriate limit of liability (e.g., $5m, $10m, $20m) based on your business exposure and any contractual requirements. It does not estimate premiums.

Business profile

Industry

Annual turnover ($)

No. of staff (FTE)

Public/visitor exposure How often members of the public are on your premises or you work at public sites.

Contracts & requirements

Required by contract/landlord (optional) Pick the highest requirement you face (tenancy, council, head‑contract).

Exports to USA/Canada? USA/Canada exposures often push limits higher.

Exposure factors

High‑risk activities

Use subcontractors? Contractual/privity gaps may increase recommended limits.

Single‑loss property damage exposure (optional) Largest third‑party property you could damage in one event (client facility, mall, data centre etc.).

Claims in last 5 years?

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Professionals Insurance Articles

Navigating Liability Risks: Essential Strategies for Fitness Trainers

As a fitness professional, maintaining an environment that is both safe and supportive for your clients is vital. However, just one mishap can put your entire career at risk. This is where insurance plays an essential role. It offers a safety net, protecting you against unexpected liability claims. - read more

Understanding the Unique Coverage Options for Fitness Instructors and Trainers

In the vibrant and dynamic world of fitness, the role of insurance cannot be overstated. For fitness instructors and trainers in Australia, ensuring you have the right coverage is vital not only for your peace of mind but also for the sustainability of your career. - read more

Top 5 Common Insurance Claims in Fitness and How to Handle Them

In the world of fitness, insurance plays a vital role in safeguarding both the professionals and their businesses. Whether you're a trainer, a gym owner, or a fitness instructor, having the right insurance coverage is essential. It not only protects against unforeseen circumstances but also ensures smooth operation without the looming worry of potential financial hits. - read more

The Role of Professional Indemnity Insurance in Protecting Your Fitness Business

Professional indemnity insurance is a form of coverage designed to protect business professionals against claims of negligence or breaches of duty in their work. For those in consultancy or advisory roles, such as fitness trainers, this insurance is particularly relevant. - read more

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Knowledgebase

Disability Insurance:
A type of insurance protection that pays a portion of a person's income lost due to a total or partial disablement arising from either an accident or a sickness.

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