home »professional liability insurance » life coaching insurance

Life Coach Insurance

Life coaches help people achieve amazing things. As a life coach, you’re a wellness professional who assists clients in building meaningful progress in areas of their lives from careers to dating. Your work uplifts others by recognizing their strengths and guiding them to long-lasting, positive changes.

However, like other professions, protecting your career and business with liability insurance is essential. Even if you’re covered by an employer’s policy, having your own life coach insurance provides added protection. It ensures coverage that prioritizes you—your license, reputation, and livelihood.

At Hands On Trade Association, we provide professional liability insurance and general liability insurance for life coach professionals at a competitive rate of just $185 annually. Learn how our comprehensive policies can safeguard your career and business below.

Why Life Coaches Need Professional Liability Insurance

As a life coach, you guide clients toward personal growth. You help them achieve goals in certain or all aspects of their lives. You might be a coach for mental health, dating, business, and more. However, offering tailored advice involves liability risks. A client might claim that your guidance led to negative outcomes, creating potential legal challenges for your business.

Life coaches can still face lawsuits even with legal coaching contracts, disclaimers, and clear expectations. Such claims—whether valid or not—can result in costly malpractice lawsuits that jeopardize your finances and business.

Small businesses and independent contractors, in particular, are vulnerable to unexpected legal costs. A small business is at risk of bankruptcy if a client sues them. A professional liability insurance policy protects you from legal accusations of negligence or malpractice.

With life coach insurance from Hands On Trade, you can focus on delivering high-quality services without fear of financial or legal setbacks, ensuring your business and reputation remain secure.

Professional Liability Insurance for Life Coaches and More

Hands On Trade Association provides tailored insurance coverage for life coaches and consultants. Our insurance policies offer comprehensive protection for your business. They include the following:

Professional Liability Insurance: Covers malpractice claims up to $2 million per occurrence.
General Liability Insurance: Protects against incidents like slip-and-fall accidents, with coverage up to $2 million per occurrence and $3 million annually.
Premises Insurance: Provides up to $100,000 in annual coverage for property damage to your workspace or a client’s personal property.

For example, if a client accidentally spills water on their phone while in your office and sues for damages, premises insurance can help cover those costs.

Our group of policies is designed to support the unique needs of life coaches, whether you work from home, in a shared office, or in multiple locations. At just $185 annually, life coaching insurance from Hands On Trade delivers unbeatable value and peace of mind for professionals.

It is also easy to renew your policy with us. To initiate the renewal process, call us at 1-800-872-1282 or log in to your Hands On account. You will then receive an email confirmation and insurance certificate.

Exclusions to Life Coach Insurance Coverage

While our insurance policies are comprehensive, certain exclusions apply for Hands On Trade Members. Our life coaching insurance does not cover the following for life coaches:

Sexual abuse claims

Procedures involving invasive treatments

Other claims unrelated to the scope of life coaching

For a full list of exclusions, please visit our Insurance Coverage page to review the policy in detail.

Get the Best Life Coaching Insurance for Your Business

Protect your career, reputation, and livelihood with Hands On Trade’s affordable and comprehensive life coach insurance. Sign up today and receive instant confirmation of your coverage, complete with a downloadable insurance document.

Want to learn more? Explore additional resources: