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Life Coach Insurance

Protect yourself and your business with the right insurance plan! Secure your life coaching business with flexible and affordable insurance coverage, starting at only $229/year. 



Yearly Policy

Affordable Small Business Insurance Coverage for Life Coaches

Life coach insurance protects your coaching practice from potential lawsuits, accident claims, and third-party property damage claims. As a life coach, you can trust Insurance Canopy to help you assess the unique risks associated with your coaching business and find the liability insurance policy that aligns with your needs. Discover the types of life coaches covered by our coaching insurance policy below:

General Life Coaches

Empower your life coaching practice with protection against legal issues, accidents, and property damage claims, so you can focus on guiding individuals to a more fulfilling life journey.

Career Coaches

Achieve professional success as a career coach with insurance that shields you from liability risks and unexpected accidents, enabling you to steer clients toward their dream careers.


Offer invaluable support and wisdom as a mentor while ensuring your practice is protected from legal disputes and accidents, so you can continue making a positive impact on those you mentor.

Affordable, Fast, and Comprehensive

Our Life Coach Insurance Coverage Is Designed To Meet Your Unique Needs

Do I Need Life Coach Insurance?

Yes. When you insure your life coaching business with life coach insurance, you’re actively protecting  your business. You’re protecting it from several different types of claims:

  • Clients who don’t reach promised results and choose to sue.
  • Clients who cause damage to your business property.
  • Accidents that happen at your workplace. 
  • Wrongly given advice or counsel.

Insurance for life coaching businesses can include general liability insurance, professional liability insurance, malpractice insurance, and more. When you insure your coaching business, you’re saving money, protecting your professional reputation,  and increasing your professionality. When a claim happens, having the security and validity of the insurance makes you a more trusted and professional coaching business.

How Much Does Life Coach Insurance Cost?

Insurance for life coaches starts at $229 per year or $21.08 per month. Life coaches can increase their limits or add  additional policy options. Increasing your limits or adding policy options can affect the price.

We can provide a cheaper option for insurance through:

  • US-based and licensed agents who don’t make a commission. 
  • A completely online process that cuts down costs.

For further information on customizing your insurance as a life coach, please refer here.

Who Needs Life Coach Insurance?

We cover various coaches and instructors, including:

  • Career Coach
  • Mentor

What’s Covered in Life Coach Insurance?

A life coach needs several types of coaching insurance coverages, including:

General Liability Coverage

Protect yourself from the cost of third-party injury and property damage claims with general liability insurance. Imagine your client begins pacing as you discuss their work-life balance while in a session . They are unaware of where they’re walking and trip on the edge of your desk. This results in several severely bruised toes and expensive medical bills. 

This is where general liability coverage comes in. With general liability coverage, your out-of-pocket cost on these claims could be mitigated or even eliminated.

Professional Liability Coverage

Protect yourself from the cost of claims that result from 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.

Errors and Omission Coverage

This coverage protects you from claims resulting from  your professional services. This can include misinformation or actions taken by your clients based on the information you gave them.

Cyber Liability Coverage

Cybersecurity breaches are real and could happen to your business. You need this insurance coverage if you store sensitive client information online, including payment methods or personal data. 

Tools and Equipment Coverage

Your business equipment can be expensive to replace or repair if it is ever damaged or stolen. Save money and protect it today with tools and equipment coverage. 

Imagine this scenario: A nasty and unexpected storm rolls through town, bringing lightning and flooding. Your office is right in the path of the storm and is damaged by severe flooding. Your business equipment is soaked and moldy. It could cost thousands of dollars to replace the equipment. Adding tools and equipment coverage to your policy could help mitigate or even eliminate these out-of-pocket costs.

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Coverage Limits for Life Coach Insurance

Life coach insurance offers various coverage options with specific limits, such as:

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.


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 products that are manufactured, sold, or distributed.


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


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.


The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.


Medical Expense (Any one person)


Additional Limits

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. Note: a $250 deductible applies to this coverage.


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Insurance For Life Coaches

A+ rating from AM Best and the ultimate insurance protection.

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Online Process

We understand you’re busy. That’s why Insurance Canopy delivers your quote in ten minutes or less, all from the comfort of your home. No pressuring agents, completely online, and a price that fits your budget.

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24/7 Access

Gain instant access to your policy documents and certificates of insurance. Get your insurance your way. Know exactly what your policy covers and have the power to change or add to your coverage whenever you need to.

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US-Based, Licensed Agents

Get your life coach insurance questions answered quickly and thoroughly by agents who don’t make a commission on helping you.

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Commonly Asked Questions About Life Coach Insurance

Answers to Common Questions about Life Coach Insurance

Insurance Canopy offers:

  • Personalized life coaching insurance that is not only affordable but convenient. 
  • US-based, licensed agents who don’t make a commission so you can rest assured knowing they are dedicated to helping you find the best coverage for your business.

Yes. Our malpractice insurance is included in your policy and provides protection from claims that occur because of your business practice.  

Coach up your professionalism through additional insureds. An additional insured is a property owner or landlord who requires you to extend your insurance coverage to them if you rent their space. This rented space can be your office where you meet with clients or an event booth at a coaching convention. You can add an additional insured to your insurance for the Life Coaches policy through your user dashboard at any time. Add your free unlimited additional insureds to your policy at any time. 

Any life coach or career coach who practices with real clients must have life coach insurance. Life coach insurance can protect you from the financial devastation that claims can lead to. Claims are seldom cheap and never convenient – protect yourself with liability insurance for life coaches. 

Insurance Canopy makes filing a claim as easy as breathing, regrouping, and focusing. Simply log into your user dashboard, select File a Claim, and add your information. 

We will take care of the rest! If you need help, contact us, and we would be happy to help!

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

Protect Your Life Coaching Business With Insurance Canopy

Annual Policy: Starting at $21.08 per month – Your business involves working closely with people; let us help you have peace of mind with protection for your small business. We understand the most common claims your business will face, and we want to help you be protected. Let us be your professional resource to help your business thrive.

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