Life Coach Insurance

Protect your life coaching business with the right insurance

4.8/5

Affordable Liability Insurance for Life Coaches

Life coaching insurance is all about protecting your business from things that can go wrong. Insurance Canopy’s affordable and customizable life coach insurance shows potential clients your credibility and that you take your business seriously.

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

A career coach with her mentee at a meeting

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

Teal mountain with checkpoints going up to the top
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?

Life coach insurance is your safety net for when things go wrong. If a client trips over your office furniture, falls, and gets injured, you could be held financially responsible for legal and medical costs. Without liability insurance for life coaches, those expenses could devastate your business and finances.

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?

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?

Icon of person slipping on floor

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.

icon of notebook

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.

icon of hand shake

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.

icon of web browser with hook

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.

icon of school building

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.

icon of bandage

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.

icon of person at computer

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.

icon of presentation stand

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?

Insurance Canopy’s life coach insurance offers better advantages for its clients over the competition. We offer:

You're In Good Company With Insurance Canopy

Over 75,000 professionals, including Life Coaches, trust Insurance Canopy for their liability insurance.

  • 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!

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    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

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    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

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    July 12, 2024
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    July 5, 2024

    Always done very well for us. Highly recommended.

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    July 5, 2024
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    quick and easy to sign up and did not break the bank!!

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    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

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

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    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

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    April 4, 2024

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

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    April 2, 2024
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    It was fast and easy.

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    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

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    March 27, 2024
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    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!

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    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

Have Questions About Life Coach Insurance? We’re On It.

Yes! Liability insurance can protect you and your life coaching business from third-party claims of medical injuries, libel, slander, property damage, and more. Getting this insurance lets you focus on running your business with peace of mind.
Sure thing! You can set your effective date for the same day you complete your Insurance Canopy application, and get coverage in just 10 minutes or less. You can also set your effective date for a different date.
Yes—you can cancel your life coach insurance policy with Insurance Canopy at any time.
Log in to your dashboard, find your current policy, and print your Certificate of Insurance (COI) to show proof that you have an actual, legit insurance policy.

Easy. You can add your landlord as an additional insured in four easy steps:

  1. Log in to your dashboard
  2. Find your existing policy
  3. Go to “Additional Insureds”
  4. 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.

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

Need additional information before making a decision?

Give our team a call today at 844.520.6993

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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