Life Coach Insurance
Protect your life coaching business with the right insurance
- Manage Your Policy Online 24/7
- Instant Certificate of Insurance (COI)
- Easily File a Claim
- 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.
$3,000,000
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
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.
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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Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024I 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
July 12, 2024Great 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
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024I 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
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael” Jobe
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
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I 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
April 4, 2024 -
Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
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
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
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
March 26, 2024Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.
Herman Hildo
March 25, 2024I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff
Darron Hines
March 25, 2024 -
Super friendly service..
Kristina Strong
March 25, 2024I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More
Greg Hoover
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Great service, affordable insurance, easy to work with.
Roland Cache
March 18, 2024The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.
susan fletcher
March 11, 2024Fast procedure with clear price options. Did everything in less than 5 minutes
Ron Geraci
March 11, 2024
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Affordable plan and very easy to access when I need it
July 13, 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
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
July 12, 2024 -
Always easy to use! Thank you!
July 12, 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
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
July 5, 2024 -
Always done very well for us. Highly recommended.
July 5, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
July 5, 2024 -
quick and easy to sign up and did not break the bank!!
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
April 7, 2024
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!
