Health Coach Insurance
Top-Rated Health Coach Liability Insurance
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.
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!*
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!)
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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
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
$3,000,000
$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
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$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
$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
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.
- 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.
