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 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
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.
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.
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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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 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This 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
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
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
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As 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, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’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 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 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!
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