Life Coach Insurance

Life Coach Insurance

Life coach insurance coverage offers protection against legal claims by patients alleging negligence and third-party injury.

Zensurance - Life Coach

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Insurance for life coaches

As a life coach, people rely on your expertise for various reasons, and they look to you to improve some aspects of their life. Whether you offer coaching within a niche or have a broad focus, there is always a risk to providing professional advice, which is why it’s essential to have the right coach liability insurance policy.

When you’re a life coach, you could be held liable for almost any negative impact your services have on your clients. As there are various specialties found within coaching, different factors, such as industry and location, must be considered to find the perfect coverage for you.

Life coach insurance is a policy package designed to accommodate the full range of wellness consulting services and protect against specific risks associated with them, such as negligence, errors, omissions, or third-party damages.

A comprehensive policy for your life coaching business should cover the risks you are most likely to face. Those risks will vary by service, industry, and product; however, the following coverages apply to most coaches:

  • Professional Liability Insurance: Also known as Errors and Omissions Insurance, Professional Liability Insurance protects life coaches against client claims alleging financial loss due to a service you provided, as well as lawsuits alleging negligence, misconduct, and failure to deliver services as promised. For example, if you’re coaching someone on changing eating behaviours to lose weight and suggested they’ll see a guaranteed difference that doesn’t end up happening, your client could sue.
  • Commercial General Liability Insurance (CGL): Whether you work from home or have an office, mistakes can happen anywhere. Commercial General Liability Insurance can protect life coaches against common claims or lawsuits alleging third-party bodily injury (e.g., slip-and-fall), property damage, false advertising, and libel/slander. For example, if you’re conducting a discovery session in your office with a client, and your client’s chair suddenly breaks, causing them to injure their back. Should you be sued, CGL may cover legal defence costs and medical costs, regardless of the lawsuit’s outcome.
  • Commercial Property Insurance: Commercial Property Insurance protects your business location and the property inside from an insured event, such as a fire or theft. For example, suppose your office experienced water damage from a burst pipe and destroyed your extensive collection of self-help books. In that case, Commercial Property Insurance could cover the cost to replace your books. Your Commercial Property Insurance policies often include business interruption (a.k.a. business income) coverage, which provides reimbursement for net income lost following an insured event.
  • Cyber Liability Insurance: Cybercrime is, unfortunately, becoming increasingly common, making it challenging for business owners to protect their technology systems and data. Cyber Liability Insurance is a policy that covers the costs associated with cyberattacks, such as loss of income, notification costs, or data infrastructure repair. For example, you’re a cyberattack victim and lose all of your confidential online client health records. In that case, Cyber Liability Insurance can cover the cost to recover the destroyed files.

Every business is unique, and insurance requirements will vary by size and industry. However, life coaches can anticipate premiums starting from $315 annually for a Professional Liability Insurance policy with a $500K limit.

If you require additional Commercial General Liability Insurance, the costs usually start at $250/year for a $1MM coverage limit.

When you fill out our online application, specific questions will be asked about your business to understand your requirements better. The following factors are taken into consideration when determining the best policy options for your practice:

  • Industry
  • Years of Experience
  • Number of Employees
  • Claims History
  • Types of Professional Services
  • Annual and Projected Gross Revenue

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

Any individual or business providing professional coaching services should protect their business with a life coach insurance policy. If a client determines your advice or service was less than satisfactory or resulted in a financial loss to them, they may take legal action.

We’ve insured life coaches practicing in a range of sectors, including:

  • Business Coaching
  • Career Advisor
  • Executive Coach
  • Mental Health Counsellor
  • Substance Abuse Counsellor
  • Wellness Coach

Getting insured is quick and easy!

Complete our 5-minute online application for a free life coach insurance quote.

Common claims scenarios

executive coach with client

Problem: You’re an executive coach and endorsed a financial plan for your client to achieve their developmental objectives. A few months later, they realized their budget was pushing them further into debt. They sue you for negligence.

Outcome: Your Professional Liability Insurance could cover both the legal fees and monetary judgement, totalling $100,000.

employee holding hot tea

Problem: Your life coach trainee is making tea for your client, and they accidentally spill it while handing it over, severely burning your client.

Outcome: Your customer successfully sues your business for bodily injury. Your Commercial General Liability Insurance may cover the $5,000 cost to pay for the medical bills.

health coach on laptop

Problem: While researching ways to best connect with your client, you open a malicious site link that leads to a cyber hack and exposes sensitive client information.

Outcome: Your Cyber Liability Insurance could cover the fees to notify your clients, as well as the cost to repair your data security system, totalling $70,000.

Frequently asked questions

Does my Life Coach Insurance extend coverage if I work in different provinces?

Yes, your Life Coach Insurance (i.e. Professional Liability Insurance) will cover your business activities throughout Canada.

Will Life Coach Insurance cover all different types of coaching?

Yes, Life Coach Insurance can provide coverage for all different types of personal development coaching, including, but not limited to, business coach, holistic life coach, executive coach, health coach and nutrition coach.

Does Life Coach Insurance cover employees while in training?

Yes, insurance may cover the liability of full-time employees, including apprentices in training. However, your policy limit will apply to all employees rather than each individual. To make sure you’re sufficiently covered, you have the option to increase your limit. Alternatively, you can ask employees to carry their own insurance.

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Ready to start? Let’s get a quote!

As a life coach, you’ve dedicated your career to helping others live their best life; you deserve a broker dedicated to providing you with the same level of care.

If you’re ready to get your free quote, start your online application today.

If you need more information or prefer to speak with a broker, our friendly team will always help guide you through the process.