Life Coach Insurance
Protect your coaching journey
- Customizable coverage designed for life coaches
- Protection wherever you coach
- Instant coverage + proof of insurance
- U.S. Based licensed agents ready to help
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Affordable Liability Insurance for Life Coaches
Life coaching insurance is all about protecting your business from things that can go wrong. Insurance Canopy’s affordable and customizable consultant insurance for life coaches shows potential clients your credibility and that you take your business seriously.
Life Coaches
Protect your life coaching business from property damage, legal issues, and accident claims for better peace of mind.
Career Coaches
Make sure you can keep steering clients toward their dream jobs. Shield your career coaching business from unexpected accidents and liability risks.
Mentors
Provide sound advice and wisdom as a mentor knowing your business is protected from third-party injury and property damage claims.
Life Coach Insurance Coverage
Insurance coverage types and policy 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
Add qualified third parties to your policy as an additional insured
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
When an honest mistake becomes a financial burden, liability insurance can save the day. With the right coverage for your business, you’ll have a safety net to fall back on. That peace of mind is priceless.
Client sues a life coach for giving “poor” advice. $100,254
Life coach accidentally discloses private client information during a public workshop. $51,734
Cybercriminal hacks a coach’s online client records and steals personal information. $200,000
Don’t let claims stack against you,
get covered instantly.
Client trips over a cable at a group coaching session and injures themselves. $74,950
Coach accidentally damages a client’s expensive artwork during a home coaching session. $33,584
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 Life Coach Insurance?
Who Needs Life Coach Liability Insurance?
The short answer is: Yes! All life coaches need general and professional liability insurance. You’ll have peace of mind knowing your business is protected against third-party claims of property damage, injuries, and more.
You can also add Equipment and Supplies Coverage (Inland Marine) to protect the business tools and equipment you use during your sessions. If you store client info online, Cyber Liability coverage can step in to cover costs if hackers steal your customers’ personal data.
What Are the Risks of Being a Life Coach?
Life coach liability insurance is great for risks such as:
- Someone getting injured in your office
- Accidentally damaging furniture or artwork at a venue where you’re speaking or coaching
- Someone claiming you gave poor advice
These are just some of the things that can go wrong.
What Types of Insurance Do Life Coaches Need?
Here’s a brief overview of the type of insurance you need as a life coach:
- General Liability
- Professional Liability (aka Errors and Omissions)
- Products-Completed Operations
- Damage to Rented Premises
- Personal and Advertising Injury
Insurance Canopy offers these coverages as optional add-ons for your policy.
- Cyber Liability (Data Theft Protection)
- Tools and Equipment Coverage (Inland Marine)
- Additional Insureds
- Sexual Abuse and Molestation (SAM) Liability
- Workers Compensation
- Higher limits for General and Professional Liability ($1M per occurrence / $3M aggregate)
How Much Is Life Coaching Insurance?
Life coach insurance costs $21.08 per month or $229 per year with Insurance Canopy. For little more than the cost of a lunch each month, you don’t have to worry about paying thousands of dollars out of pocket for claims. Learn more about life coach insurance cost.
What’s Covered in Life Coach Insurance?
General Liability Coverage
Protect yourself from the cost of third-party injury and property damage claims with general liability insurance.
Imagine this: Your client is stressed and starts pacing during a session. They trip on the edge of your desk, resulting in severely bruised toes—and expensive medical bills.
With general liability coverage, your out-of-pocket cost on these claims could be mitigated or even eliminated.
Professional Liability Coverage (aka Errors and Omissions)
Protect yourself from the cost of claims that result from the advice and coaching you give as part of your business operations.
Professional liability coverage can protect you from expensive claims, such as a client who claims you gave them the wrong counsel or damaged their relationship with their spouse, boss, or colleagues.
Products-Completed Operations Coverage
This coverage can protect you when someone isn’t happy with the services you provided to them.
For example, even if you give people great advice, they might come back to you saying your coaching didn’t work for them and decide to sue you for damages.
Cyber Liability Coverage
Cyber crimes, hacking, and data breaches are real—and could happen to your business.
Add Cyber Liability to your policy if you store sensitive client information online, like payment methods, session records, or personal data.
Damage to Premises Rented to You
Also called Fire Legal Liability, it covers accidental damages done to a property you rent. This can be helpful if you’re making changes or doing some construction to accommodate your practice.
After the first seven (7) days of coverage, it may only cover fire damage you accidentally cause to the rented property.
Personal and Advertising Injury
This coverage applies when you’re accused of things like false advertising, invasion of privacy, wrongful entry, libel, or slander.
The policy can respond if you unknowingly make false claims about a competitor and they sue you for slander, or a client sues you, claiming you overcharged or underdelivered vs. your advertised services.
Equipment and Materials Coverage (Inland Marine)
Business equipment can be expensive to replace or repair. Tools and equipment coverage (aka Inland Marine or Business Personal Property) protects your investment in cases of theft or damage.
Imagine this: You met up with a client for coffee and they spilled it on your laptop, which is now DOA. This coverage can help cover the cost of replacement.
Having tools and equipment coverage could help mitigate or even eliminate your out-of-pocket costs to repair or replace it.
Additional Insureds
Additional insureds are third parties (such as landlords, event hosts, or venues) that need liability protection from mistakes or accidents caused by your life coaching business.
You can add additional insureds to your Insurance Canopy life coach insurance anytime by logging in to your dashboard, finding your policy, and adding the individual or business as an additional insured.
Sexual Abuse & Molestation (SAM) Liability Coverage
You see clients during some of their most stressful and emotional moments. When the stakes feel high, even life coaches with strong professional boundaries are vulnerable to clients misunderstanding a conversation about their relationship goals or misinterpreting your support and encouragement.
SAM liability coverage is designed to help pay your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
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.
Why Choose Insurance Canopy?
- A 10-minute-or-less application process
- Easy access to your policy and Certificate of Insurance
- Adding additional insureds any time during your policy
- Add-on inland marine coverage for your materials and gear
- Reliable, non-commissioned customer service reps ready to answer your questions
You're In Good Company With Insurance Canopy
Over 75,000 professionals, including Life Coaches, trust Insurance Canopy for their liability insurance.
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 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, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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, 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 -
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, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Have Questions About Life Coach Insurance? We’re On It.
Do Life Coaches Need Insurance?
Yes! Liability insurance can protect you and your life coaching business from third-party claims of medical injuries, libel, slander, property damage, and more. Getting this insurance lets you focus on running your business with peace of mind.
Is My Insurance Effective Immediately?
Sure thing! You can set your effective date for the same day you complete your Insurance Canopy application, and get coverage in just 10 minutes or less. You can also set your effective date for a different date.
Can I Cancel My Policy at Any Time?
Yes—you can cancel your life coach insurance policy with Insurance Canopy at any time.
How Do I Get My Certificate of Insurance (COI)?
Log in to your dashboard, find your current policy, and print your Certificate of
Insurance (COI) to show proof that you have an actual, legit insurance policy.
How Do I Add My Landlord as an Additional Insured?
Easy. You can add your landlord as an additional insured in four easy steps:
- Log in to your dashboard
- Find your existing policy
- Go to “Additional Insureds”
- Add your landlord or any other third-party business or person to your policy
If you’re a first-time customer, you can add your Additional Insureds during our 10-minute or less application process.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Life Coach Insurance
Starting at just $21.08 a month, our comprehensive life coach insurance plans offer robust protection against potential claims, giving you the peace of mind to focus fully on empowering your clients. Invest in your career’s longevity today. Get covered in 10 minutes and continue making a difference with confidence!
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