Career Coach Insurance
Protect your coaching business with affordable insurance tailored for career coaches and counselors
- Get Coverage Online in 10 Minutes or Less
- Instant Certificate of Insurance (COI)
- Manage Your Policy or File a Claim Online 24x7
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Affordable Career Coach Insurance
Career coach liability insurance is designed to protect your business and finances from things that can go wrong. Insurance Canopy’s affordable and customizable coverage shows potential clients your credibility and that you take your business seriously.
Career Coach Insurance Coverage
Insurance Coverage Types and Limits
The most your policy will pay for bodily injury and property damage claims occurring in the policies term that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum amount paid per incident during the term of the policy.
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Included
Optional Add-Ons
Financial coverage if you experience false allegations of sexual abuse, molestation, or misconduct.
$300,000
$500,000 or $1,000,000
Insurance Can Save You Thousands
Accidents happen and liability claims can cost you thousands. Having career coach insurance can protect you from financially ruining your business when paying for claims out of pocket.
A client claims your career advice led to significant financial loss after accepting a lower-paying job. $50,000
A client claims you didn’t provide the agreed number of sessions and they ended up with unmet career goals. $10,000
A customer sues you because a cyber attack exposed sensitive data and you failed to protect their information. $50,000
Get covered instantly.
A customer sues you for sharing confidential information without consent. $25,000
A client sues because you abruptly ended services and left them without support during a job search period. $20,000
Sources: (AI) Claim amounts are estimated based on additional internal knowledge and research. All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.
What is Career Coach Insurance?
Career coach insurance is tailored coverage designed to protect you from costly claims arising from things like third-party bodily injuries, false advertising, or property damage. With Insurance Canopy, your policy can also protect you if you get sued for giving bad or incorrect instructions to one of your clients — and more.
Career coaching insurance is available for as little as $21.08 monthly or $229 yearly. Get started today for protection and peace of mind.
Who Needs Career Coach Insurance?
All career coaches need insurance, because all career coaches face risks. A client might decide you gave them bad advice, get hurt while at your office, or you could inadvertently cause property damage to a space you rent for coaching. Our policy is ideal for many types of career counselors and coaches, including:
- Professional career coaches
- Freelance career coaches
- Career coaching businesses
- Certified career coaches
- Executive coaches
- Professional development coaches
- Career counselors and counseling centers — and others
How Much Is Career Coach Insurance?
Career coach insurance only costs $21.08 a month or $229 a year for great flexibility and affordability. Prices can vary according to income, business size, additional coverages, and more. Learn more about career coach insurance cost.
What Risks Do Career Coaches Face?
Here are a few examples of the risks career coaching businesses face that could end up hurting your business, reputation, and finances with costly claims:
- While lugging furniture into the office space you’re renting, your chair bangs and scuffs the wall. The landlord holds you financially responsible for repairs.
- A client visits your office for a coaching session, trips over a chair, falls, and sprains their ankle. They sue you to pay for their medical bills.
- You offered sound advice, but your client didn’t get the job or promotion they wanted. They claim that your coaching backfired on them and sue you.
Career coach insurance is designed to protect you from claims like these, including third-party lawsuits, legal fees, medical expenses, settlements, and more.
What Types of Insurance Do Career Coaches Need?
To properly shield your coaching business and finances from common claims, you need the following coverages:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Premises Rented to You
- Personal and Advertising Injury
Career coach insurance from Insurance Canopy shields your livelihood with the above coverages included in the base policy. But, if you need extra coverage, we make it super easy to compose the perfect policy with add-ons, like:
- Cyber Liability (Data Breach Coverage)
- Inland Marine (Equipment and Materials)
- Unlimited, free Additional Insureds
- Sexual Abuse and Molestation (SAM) Liability
- Workers Compensation
What Does Career Coach Insurance Cover?
Let’s explore the essential coverages career coaches need and what each is designed to cover.
General Liability Coverage
General liability coverage can pay for legal expenses, settlement costs, and damages arising from third-party bodily injury or property damage claims.
For example, during a coaching session, a client trips over an electrical cord in your office and breaks their wrist. They sue you to cover the medical bills. General liability insurance can shield you from paying thousands of dollars out of pocket.
Professional Liability / Errors and Omissions (E&O) Coverage
Career coaches need professional liability coverage to protect themselves from claims of negligence, errors, or omissions in their services. Professional liability is bundled alongside your general liability coverage with Insurance Canopy.
For example, you may give your clients great career advice on how to get a promotion. However, when your client implemented your advice, they got fired. The client sues you for the damages. Professional liability insurance can defend against legal and settlement fees if this happens.
Products-Completed Operations Coverage
This coverage can protect you if someone bought a product you recommended and it caused them injuries or property damage.
For example, you recommend a customer buying a bundle of 10 self-help books for additional resources. After ordering them, the client places them on a table and it collapses. They sue you for property damage.
This coverage can respond, and it’s included in your base policy with Insurance Canopy.
Cyber Liability Coverage
Cyber liability coverage, aka data breach protection, is an add-on coverage that protects you against financial losses from cyber-attacks, like data breaches, or ransomware attacks.
If you store or communicate sensitive client information online or on devices like phones or laptops, you need this coverage for risk management. It ensures preparedness and financial security in case of a data breach or other cybercrime.
Damage to Premises Rented to You
If you’re renting an office space for your career coaching services, you could be held responsible if it’s damaged. This is where damage to premises rented (aka fire legal liability) coverage comes into play.
For example, you light a candle and step out of your leased office space for a quick restroom break. The candle tips over and starts a fire, damaging the carpet. This coverage, which is included in our base policy, can help pay to repair or replace the property damage.
Personal and Advertising Injury
Personal and advertising injury is a coverage that can protect you from claims of defamation, copyright infringement, false advertising, and more. It’s included in our base career coach insurance policy.
Let’s say you create a new logo to promote your services. A competitor sees it, thinks you stole their logo and modified it, and sues you for copyright infringement. This coverage can protect you from expensive lawsuits, legal fees, and damages that could arise from these types of claims.
Equipment and Materials Coverage (Inland Marine)
Equipment and materials coverage, aka Inland Marine insurance, is add-on coverage designed to protect career coaches from financial losses caused by damaged or stolen business gear.
For example, if you’re meeting with a client at a coffee shop and they spill their 20 oz. latte all over your laptop and smartphone, tools and equipment coverage can cover the cost of replacing your devices.
Additional Insureds
Additional insureds are third parties who require you to add them to your policy due to their risk exposure from your business.
For instance, the office building where you lease space for coaching might require you to add them to your policy. This can protect them should someone get hurt in your office and sue them as well as you for their medical expenses.
You can add additional insureds to your career coach insurance policy at no charge either before checking out on your application or any time from your user dashboard.
Sexual Abuse & Molestation (SAM) Liability Coverage
SAM liability is an add-on coverage designed to pay for your defense if you receive a false accusation of sexual misconduct or abuse. You walk with people through their most vulnerable and stressful moments, so even careful, professional coaches are at risk of a misunderstanding or misinterpretation.
For example, while talking to your client about work-life balance, they bring up stress around their dating life. You discuss the intersection of professional and personal growth, referring them to a therapist for the emotional aspects of their roadblock. The client becomes uncomfortable with how personal the conversation is and later claims you made suggestive comments. SAM liability helps pay the legal costs of false misconduct allegations like this.
Workers Compensation
If you have one employee or more (including part-timers, seasonal help, and interns), most states require you to have workers comp insurance. This covers expenses like medical bills, lost wages, and funeral costs if an employee gets injured or sick due to work.
Insurance Canopy offers comprehensive workers comp coverage to keep your business compliant and your employees protected.
Protect Your Career Coaching Business with Insurance Canopy
Insurance Canopy offers comprehensive policies tailored to career coaches from $21.08 a month — get an instant quote and coverage online in 10 minutes or less. Once covered, print out a Certificate of Insurance (COI), add additional insureds, or manage your policy anytime by logging in to your dashboard.
Need help or have some lingering questions? Contact our licensed, non-commissioned, English and Spanish-speaking agents Monday through Friday, 8 am to 8 pm EST.
You're In Good Company With Insurance Canopy
Over 36,000 professionals, including music teachers, trust Insurance Canopy for their liability insurance. See what our customers have to say about us!
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Have Questions About Career Coach Insurance? We’re On It.
Why Should You Carry Career Coach Insurance?
Career coach insurance gives you the freedom to focus on providing clients with the best career advice possible without worrying about your risks. If something goes wrong, you won’t have to worry about paying sky-high prices for legal, medical, or property damage claims.
Does My Insurance Cover Both In-Person and Virtual Coaching Sessions?
Absolutely! Career coach insurance can cover in-person and virtual coaching because risks can happen remotely, too. Career coaching insurance can protect you and your business from financial ruin in the event of cyber liability, slip-and-falls, and other incidents.
Is My Insurance Policy Effective Immediately?
Yes. You can get insurance online in 10 minutes and get immediate coverage or set your effective date for a different day.
Can I Cancel My Policy at Any Time?
Yes, you can cancel your policy at any time. Note: refunds will not be provided for months already paid for.
Music Instructor Insurance
Protect Your Instruments — Don’t skip a beat! Insurance Canopy’s music teacher insurance is in tune with your needs. Fill out our 100% online, 10-minute application. Get top-rated coverage starting at $21.08/month and add equipment and instrument coverage to your policy for an extra $2.17/month.
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