Health Coach Insurance

Top-Rated Health Coach Liability Insurance

As Low As

$15

Monthly

Affordable Health and Fitness Insurance

Whether you’re a nutrition coach, an online personal trainer, or a yoga instructor, insurance for health and wellness professionals can help you cover the costs of client injuries, accidental property damage, legal fees, and more.

Personal male trainer showing something on digital tablet. Happy senior couple at gym.

What Is Health Coach Insurance?

Health and fitness coach insurance is liability coverage that combines both general and professional liability. It is tailored to protect the work of health, wellness, and fitness professionals.

If someone trips in your office, is hurt while training with you, or equipment is damaged, liability insurance may cover the cost of claims brought against you. Insurance can help you keep your business running smoothly and save you thousands in out-of-pocket expenses.

What Does Health Coach Liability Insurance Cover?

Health coach liability insurance is designed to cover claims involving third-party injuries, certain kinds of property damage, and other claims, such as:

  • Slip-and-fall incidents: If a client slips in spilled water or trips over a mat and breaks their ankle, you could be liable for their medical expenses.
  • Property damage: When you work in a rented space, you could be on the hook for any damages that happen as a result of the work you do there.
  • Negligence: If you accidentally over-work a client or they have an unexpected allergic reaction, you may be liable for medical bills or lawsuits that arise.
  • Stolen gear: If you travel to multiple facilities in the course of your work and gear or equipment is stolen out of your vehicle, you could be responsible for the cost of replacements.


Our health coach insurance includes occurrence form coverage, offering you lifetime protection for common fitness claims. You can file a claim anytime for injuries or damages that occurred when you had coverage — even after your policy ends!*

A strong man writing on a clipboard in a gym
Fitness gym instructor showing a workout plan on tablet to a trainee.

How Much Does Health Coach Insurance Cost?

Our monthly health coach insurance starts at $15/month, or you can get an annual plan for $159 to save 13% per year.

You can also customize your policy to include Diet & Nutrition Coverage at $6.83/month or Gear & Equipment Coverage (Inland Marine) for as low as $1.33/month — making this one of the least expensive health and wellness insurance policies available.

Get a customized fitness and health insurance quote online in moments and enjoy instant coverage today.

Get the Best Insurance for Health Coaches From Insurance Canopy ​

  • General and professional liability insurance combined
  • Optional coverage add-ons
  • Protection for your gear
  • Flexible payment options
  • Multiple location coverage
  • Unlimited additional insureds
  • Instant Certificate of Insurance
  • 24/7 online access to your policy
  • Nationwide coverage**
  • Exclusive resources to help you run your fitness business — at no extra cost!

Highly Rated Coverage (Nearly 5 Stars!)

  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael”
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

Customize Your Health Coach Insurance Policy

Your base policy includes general and professional liability insurance with optional add-ons.

General Liability Insurance

Coverage designed for third-party bodily injury and property damage caused by your business, like a client injury sustained during one of your classes that requires medical care.

Professional Liability Insurance

Also known as health coach malpractice insurance, this is coverage designed for injuries or damages that occur as a result of your advice, coaching, or other services.

Diet & Nutrition Coverage

Optional coverage designed for additional services you offer clients, such as dietary advice, nutrition education, meal planning guidance, or similar.

Optional coverage designed to protect your tools and equipment against theft and damages.

Optional coverage designed to respond to cybercrime-related claims.

Additional Insureds

Optional coverage designed for third parties, like property owners, event organizers, or employers. It cannot be used for employees, friends or family, other coaches, yourself, or other businesses you may own.

Coverage Details

General & Professional Liability Limits

The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.

$3,000,000

The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.

$3,000,000

The amount 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 the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.

$2,000,000

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

A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.

$5,000

The amount we deduct from a claim before paying up to your policy limits.

$100

Optional Add-Ons

Price

Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.

$1.33–$5.55/month

The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.

$8.25/month

Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.

$6.83/month

Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.

$15–$30/year

Ready for a Free Quote?
Easy Quote!

FAQs About Health Coach Insurance Coverage

Yes! Insurance Canopy’s health coach liability insurance covers you for in-person, online, and hybrid sessions. Stay protected wherever you coach.

Yes, some exclusions are common under most general and professional liability policies (like intentional harm or sexual harassment claims). You’ll find the specific exclusions listed on your policy.

Diet and nutrition coverage also excludes the sale of nutritional, medicinal, or herbal products, as well as dietary or nutritional-related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams.

See Covered Fitness Training Styles

  • Log in to your online user account
  • Navigate to the “Manage policies” section
  • Click on “File a claim”
  • Add your information and supporting documentation
  • Submit your claim

Once you submit your claim, you will be contacted by a claims adjuster in about 24–48 hours. They’ll provide you with your claim number and will answer any questions you may have.

With occurrence form coverage, you can file a claim anytime for accidents that occur during your policy period (even after your policy has ended). Make sure you still have your policy information, documentation of the accident, and the date it happened.*

*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
**Not currently available in Missouri.

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.