A professional career coach can help any professional transform their careers by helping them maximize their potential.

Career coaches are trained specialists who can create an effective résumé to target specific industries and employers, provide career counselling and planning, and empower their clients by boosting their confidence and interviewing skills. 

Anyone who hires a career coach wants to gain a competitive edge over other applicants while developing a personal brand that differentiates them and, ideally, leads them down a more successful career path.

However, any professional providing advice and services for a fee can be liable if they make a mistake, fail to deliver a service as promised, or are accused of being professionally negligent. That’s why career coaches need to carry a comprehensive business insurance policy.

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Why Do Career Coaches Need Business Insurance?

To put it simply, career coaches deal with people, and people can be unpredictable. 

Although you may carefully vet your prospective clients before agreeing to work with them and provide your expertise, there are no guarantees that something may backfire and lead to a client filing a claim or lawsuit against you. 

Even if your clients sign a client liability waiver absolving you from blame or legal action alleging professional negligence, there are instances where a waiver may not be enough to shield you from being held liable or sued.

Should you be facing legal action or an allegation of professional negligence, business insurance is a better option for protecting your assets and reputation, as it is designed to help where a waiver cannot – by covering your legal defence expenses and any agreed pre-trial settlement or judgment against you in court.

What Insurance Coverages Do Career Coaches Need?

A customized career coach insurance policy usually includes three types of coverages:

1. General Liability Insurance

General liability insurance covers career coaches for third-party bodily injuries or third-party property damage claims. For example, if a client visits your office or you visit theirs, and you accidentally spill a hot beverage on them, and they require medical attention, general liability insurance is designed to pay for their medical and rehabilitation expenses.

2. Professional Liability Insurance

Critical coverage for career coaches, professional liability insurance (also called errors and omissions insurance) covers claims or lawsuits alleging professional negligence, mistakes, or poor advice that causes a client physical, reputational, or financial harm.

3. Cyber Liability Insurance

Cyber liability insurance is essential for any small business or independent professional who operates online, uses email and social media, accepts digital payments, or stores confidential client information in the cloud. If you suffer a cyber-attack or data breach, this coverage can help you recover quickly by paying for damages to your software systems, credit monitoring fees, and legal advice.

There may be other types of coverages a career coach needs, such as commercial property insurance to cover their office and business contents if they are damaged by fire, water, a natural disaster, vandalism or theft. Speak to a licensed Zensurance broker if you have questions about what your policy should contain.

How to Get Career Coach Business Insurance Fast

Time is of the essence, and you need to get customized, low-cost business insurance coverage quickly to concentrate on advising your clients. Let Zensurance take the hassle of getting covered and a certificate of insurance off your hands. It’s what we do!

Fill out our online application for a free quote.

With over 50 Canadian insurance providers in our partner network, we can get the comprehensive protection you need to safeguard your livelihood and reputation, ensure you have adequate coverage limits, and customize the policy to suit your unique requirements.

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About the Author: Brandon Bowie

Brandon Bowie is a Team Lead, Professional Lines at Zensurance.