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What does life coach insurance cover?

Life coach insurance helps protect your business from the financial impact of claims arising from the coaching services you provide and your day-to-day business operations. 

Depending on the policy, coverage may include: 

  • Legal defense costs  
  • Settlements or damages  
  • Third-party bodily injury  
  • Property damage  
  • Professional negligence claims  
  • Employee injury benefits under Workers’ Compensation  
  • Damage to business property under a Business Owner’s Policy (BOP)  

Be sure to read your policy documents carefully to understand what’s covered. 

life coaches

Why do life and business coaches need insurance?

Even with the right qualifications and professional approach, life coaches can face allegations of professional negligence, property damage, or other unexpected incidents while working with clients. Insurance can help protect your coaching business from the financial impact of these unexpected events. 

What types of insurance do life coaches need?

BizInsure offers combined Professional Liability and General Liability into a single package for life coaches.

General Liability insurance

General Liability Insurance protects your coaching business if a client or third party is injured, or their property is damaged, as a result of your business activities or services. It covers legal costs and compensation costs.

General Liability

Professional Liability insurance

Professional Liability Insurance for life coaches and trainers protects you if a client claims your guidance, advice, or coaching methods caused them harm or financial loss, even if you did nothing wrong.

Professional Liability nurses

Sexual Abuse and Molestation

Sexual and Physical Misconduct Coverage protects your coaching business against allegations of sexual or physical misconduct raised by a client. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.

Sexual harassment Cover

Workers Compensation Insurance

Workers’ Compensation Insurance protects your business if an employee is injured while working, covering their medical costs and lost wages.

Workers Comp insurance

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How much does insurance for life and career coaches cost?

General Liability insurance for life coaches starts at $28.86 and Professional Liability for life coaches starts at $33.32 per month.

insurance for life career coaches

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Get flexible coverage to match your needs

Choose from a broad range of customized coverage levels to meet your insurance needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate
  • Statutory Profession Requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size
insurance for life career coaches

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Get flexible coverage to match your needs

Choose from a broad range of customized coverage levels to meet your insurance needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate

Unsure how much to choose? Think about:

  • Statutory professional requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size

Frequently asked questions

What is the difference between “per occurrence” and “aggregate” liability limits?

Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.

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