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
4.7/5 on
Affordable Liability Insurance for Life Coaches
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
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
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.
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.
-
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
-
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 Life Coach Insurance? We’re On It.
Do Life Coaches Need Insurance?
Is My Insurance Effective Immediately?
Can I Cancel My Policy at Any Time?
How Do I Get My Certificate of Insurance (COI)?
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!
Related Articles
How Much Do Life Coaches Make? Breaking Down Salaries & Earning Potential
Eyeing a career as a life coach or just want to see how
The 5 Best Life Coach Certification Programs: Curriculum, Cost, & How to Choose
The number of life coach certification programs has grown alongside the demand for
The No-Nonsense Guide to Life Coaching Insurance
Considering life coaching insurance but dreading the research process? Use this zero-jargon guide