Life Coach Business Insurance

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Who needs life coaches insurance? 

Life/Career/Executive coaches, who work with clients to assist them in changing habits, reaching goals and overcoming obstacles in their work and personal lives, should have professional and general liability insurance. Problems can happen when working with clients who take issue with specific approaches and methodologies, or if there is an accident. Obtaining insurance is a great way to protect yourself while continuing to provide beneficial life coaching services to your clients. This is particularly true for life coaches who work privately or own a small business. 

Related professions we also insure

Policies available for life coaches 

For most life coaches, there are three main types of insurance policies that are worth considering, each of which provides its own unique aspects of protection to assist you in running your business smoothly and effectively.

Professional liability insurance for life coaches


Professional liability insurance—also referred to as errors and omissions or E&O insurance—provides a number of benefits, including coverage for personal injury (libel and slander, for example), defense costs, negligence and also claims against past-rendered services. Though claims such as fraudulent acts, bodily injury and property damage usually aren't covered by life coach professional liability insurance, this type of insurance is very important for professionals who regularly provide services or advice to clients. 

Here’s an example. A life coach was working with a client who had a high-pressure corporate job and was experiencing a lot of stress. After several sessions, the coach suggested a major lifestyle change might be in order. The client quit their job, sold their house and moved across the country, despite the life coach’s suggestion that they might proceed with a bit more caution. A few months later, the client decided they still weren’t happy, so they sued the life coach for giving bad advice. The coach’s professional liability policy covered defense costs as well as a settlement.  

Should a client react negatively to your work as a life coach, accuse you of breaching a confidentiality agreement, or otherwise feel as if they or their business have been damaged in some way by the services you provide, they may choose to sue you or your business. Potential issues for life coaches can come in a number of different forms. One way to protect yourself is by getting professional liability insurance for life coaches.

General liability insurance for life coaches

Although life coaches can benefit from having a professional liability insurance policy, there are some scenarios that aren't usually covered under this form of insurance. General Liability—also called commercial general liability (CGL)—covers life coaches against property damage, claims of bodily injury and associated medical costs. 

Here’s an example. A client comes to the office of a life coach for a consultation. As the client is leaving, they trip and fall on the stairs, injuring their wrist. A general liability insurance policy would cover the costs associated with the client’s medical expenses, including lost wages.  

Though your own property won't typically be covered under general liability insurance, damage sustained to third-party property will be. 

Learn more about general liability insurance costs for your business. 

Business owners policy (BOP) for life coaches

For some, a business owners policy (BOP) . A BOP is a combination of general liability and business property insurance, typically used to provide coverage to small businesses with the aim of protecting valuable equipment. 

For example, if there is a fire in the building where a life coach rents their office space and their computer and other office equipment and furniture is destroyed, a BOP policy would pay to replace the damaged items.  

Why do life coaches choose Hiscox? 

At Hiscox, we understand just how much work goes into being a life coach. Whether you've opened your own business or are working in a different capacity, we can help you grow your career by reducing risk with our policies, allowing you to focus on what really matters—providing exceptional coaching services to your clients. 

Here are six reasons why life coaches choose Hiscox above other providers for professional liability insurance and general liability insurance: 

  • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
  • Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
  • Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
  • Coverage for contracts: Our architects insurance coverage satisfies most standard contract insurance requirements.
  • Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
  • Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.

Ready to learn more about how Hiscox insurance can help mitigate risk with life coaching insurance coverage? Get a fast, free quote now and get that Hiscox confidence behind your business. If you have questions, call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

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Matthew, Naperville, IL 

“Easy to signup at Hiscox!” 

Purchase experience was very easy. 


Benjamin, Wayne, PA 

“Great customer support and advice” 

Your people have been great – so knowledgeable and helpful. Exceeded my expectations. 


Sharon, Portland, OR 

“Try Hiscox first – best service and prices anywhere.” 

The whole process was easy, quick and very professional. I had applied for the same coverage with two local companies and after filling out many pages of forms, the price was way too high. His cox kept it simple and your pricing is amazing.


Donnell, Las Vegas, NV

The rep was pleasant and assuring. My purchase was expedited efficiently!


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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.