As a health coach, your primary focus is to help your clients lead healthier and more expansive lives. Your responsibility is offering your clients advice on how they can make lasting positive changes to their diet and lifestyle.
It's likely that in pursuit of equipping your clients with health game plans, the last thing on your mind is health coach insurance. Keep in mind that while this path might be extremely exciting and lucrative, health coaching is like any other profession, such as personal trainers and yoga instructors. Unfortunate events can always happen and you might incur losses.
Look at it this way. By virtue of what health coaching is, you will likely have a malpractice issue or claims of damages at some point in your career. Given this predicament, you ought to invest in health coach insurance coverage.
Health coach insurance, also known as wellness coach insurance, is a specialty insurance product meant to protect health coaches from claims brought against their business.
Read this guide to learn each type of health coach insurance coverage works, the cost of premiums, and where to get the best coverage.
In your role as a health coach, the first cover to invest in is health coach liability insurance.
Not only does this policy protect your client in case something goes wrong but it also protects you and your business. This provides coverage for bodily injuries and property damage.
Purchasing wellness coach liability insurance ensures that your doors remain open and your business retains liquidity even when the worst occurs. You get $1 million-$5 million that can be used to:
Cover the medical treatment of the claimant
Reimburse the damaged property of the claimant
Cater attorney fees, court filing fees, and other legal defense costs
Cover court judgments
Claims for invasion of privacy, copyright infringement, slander, or libel
Indemnification to the landlord if a space you’re renting is damaged by fire or water
Bodily injuries or property damage caused by a hired or borrowed commercial auto
Claims for bodily injuries or property damage resulting from your services
Professional liability insurance for health coaches, also referred to as errors and omissions, malpractice, or professional indemnity insurance; protects you in the event one of your clients files a claim for negligent professional services, failure to honor the contractual agreement, or there were mistakes or omissions.
It is prudent to mention that most clients will not work with you unless you provide proof of health coach malpractice insurance. Moreover, this coverage might be a requirement for getting a license or certification to operate legally.
Get all the best quotes from leading providers in a click of a button!
Commercial property insurance for health coaches, tennis coaches, and football coaches safeguards your business's physical assets, including your building or office, inventory, furniture, and equipment. Some providers will also include coverage for:
Equipment breakdown, including electrical and mechanical equipment failure
Utility service failure, which caters to any disruptions to your power or water
Credit card loss or damage
Loss of important documents
Health coaching, similar to pilates coaching, can result in occupational injuries or disease. Purchase worker's compensation insurance to avoid covering the cost yourself if associates slip and fall or experience other accidents while working. Workers compensation insurance takes care of these expenses on your behalf:
EMT service first aid treatment, surgeries, and other costs for medical treatment
Rehabilitation and retraining
Funeral expenses and allowance to dependents in case of death
There are providers that will allow you to combine general liability insurance with the commercial property policy. This is sold as a stand-alone business owner's policy. A business owner’s policy costs cheaper than when you bought general liability and commercial property insurance separately. It might also provide additional perks such as business interruption insurance and equipment breakdown coverage.
You are likely handling sensitive data and information belonging to your clients. This makes you a prime target for threat actors looking to access this information illegally. Protect yourself and comply with HIPAA regulations by purchasing cyber liability insurance. This will cover the cost of:
Informing your clients of a data breach
Damage control initiatives
Recovering the data and containing the breach
If your specialty is nutrition, you are going to need insurance for nutrition coaches. Suppose a dietary recommendation you make doesn't work and instead causes further deterioration of your client's health. In such an instance, the client will likely sue you for damages incurred. Without nutrition coach insurance, you would need to pay for these out of pocket. The policy steps in cushioning you from medical, legal, and property damage costs that you might incur.
|Cost per Month||Cost per Year|
|General liability insurance||$33||$396|
|Professional liability insurance||$46||$552|
|Workers compensation insurance||$75||$900|
|Cyber liability insurance||$63||$756|
|Business owner’s policy||$40||$480|
Expect to pay $33 per month or $396 per year for a $1 million general liability insurance policy. This health coach insurance cost estimate assumes that you have 5 employees and generate $500,000-$750,000 per year.
The premium you end up paying will be determined by location, revenues, number of employees, business history, claims history, and more.
If you run the business as a sole proprietor, your overall premiums will be significantly lesser than when you operate as an LLC, trust, or corporation.
Here's a cost breakdown of the best health coach insurance providers for a better perspective:
|Cost per Month||Cost per Year||Best for|
|NEXT||$17||$204||Best overall; Fastest general liability insurance for health coaches|
|CoverWallet||$22.08||$264.96||Health coach insurance online quotes comparison|
|Tivly||$24||$288||Comparing health coach insurance quotes over the phone|
|Hiscox||$26||$312||Health coach liability insurance with worldwide coverage|
|Alternative Balance||$29||$348||Health coaches looking for policies that specifically cater to their profession|
|CPH & Associates||$31.58||$378.96||Professional liability insurance with HIPAA coverage|
|Biberk||$35||$420||Customizable BOP for health coaches|
Get all the best quotes from leading providers in a click of a button!
Here are a few health coach insurance companies you must consider. Read to know their pros, cons, and rate for a $1 million general liability policy.
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for health coaches
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT offers three types of insurance options for health coaches-basic, premiere, and deluxe.
Go for the basic coverage, and you’ll enjoy a general liability policy with a $1 million per occurrence limit and $2 million aggregate limit.
The premiere coverage bundles general liability, employer’s liability insurance, and workers' compensation insurance. General liability insurance has the same limits. Employer’s liability insurance, on the other hand, provides $500,000 coverage for each employee injury by accident or disease.
Get the deluxe coverage for the most comprehensive protection. This offers a $1 million general liability policy, $1 million employer’s liability insurance, workers' compensation insurance, and waiver of subrogation.
Best for: Best overall; Fastest general liability insurance for health coaches
Average cost: $17 per month
Our rating: 10/10
Compare health coach insurance quotes online
Call and cancel your policy anytime
Instant coverage online
Not an insurance company but an insurance broker
CoverWallet sells the health coach insurance of many reputable insurance companies. You can avail general liability, professional liability, workers' compensation, cyber liability, and business owner’s policy from this company.
Your general liability insurance from CoverWallet has a $1 million per occurrence limit and a $2 million aggregate. Further coverage is provided for advertising injuries, medical payments, and non-owned/hired auto liability.
CoverWallet’s professional liability insurance has a $1 million per occurrence limit with a $2 million aggregate. A waiver of subrogation might be included depending on which underwriter this came from.
The business owner’s policy of this company provides $1 million general liability coverage and $50,000 commercial property insurance.
Before getting covered, be sure to use CoverWallet’s online quotes comparison platform to get comprehensive coverage at a reasonable rate.
Best for: Health coach insurance online quotes comparison
Average cost: $22.08 per month
Our rating: 10/10
Compare health coach insurance quotes over the phone
A partner of many reputable insurance companies
Responsive customer service
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) is a partner of many reputable insurance companies. Most will refer you to this carrier if they can’t provide coverage. If your risk profile matches its underwriting appetite, you can get the general liability, professional liability, commercial auto, and other business insurance policies of this company.
Call Tivly now to compare health coach insurance quotes over the phone and get covered.
Best for: Comparing health coach insurance quotes over the phone
Average cost: $24 per month
Our rating: 10/10
14-day money-back guarantee
Discounts of up to 5% are available if you combine two or more Hiscox products
Customizable quotes designed to meet your needs
Policyholders can pay premiums upfront or in monthly installments at no additional fee
Doesn’t sell general liability and commercial property insurance and stand-alone policies
If you are in the market for a top-rated insurance provider specializing in small businesses like sole proprietorships and micro businesses, you ought to consider Hiscox. Hiscox is a long-established insurance provider that offers health coaches fundamental protection
The health coach insurance policy from Hiscox is available from Geico, independent insurance brokers, and other partners. If you are keen on getting comprehensive insurance that covers defense costs, personal harm, carelessness, claims against previously given services and bodily harm, Hiscox is the provider for you.
Hiscox’s tailored coverage for health coaches provides cyber liability and business owner’s policies. Consider working with Hiscox because your liability insurance provides worldwide coverage.
Aside from insuring yourself, you can also get insured with the help of an agent. We recommend you look for an insurance agent with access to the Hiscox NOW program in order to enjoy bundled comprehensive coverage in minutes.
Best for: Health coach liability insurance with worldwide coverage
Average cost: $26 per month
Our rating: 9/10
Over 25 years of experience insuring health coaches
Automatic admission to the professional network
A number of stand-alone additions are on offer
Access to trade resources and affiliate program
Policyholders automatically get membership into the professional group, which attracts additional costs
Alternative Balance offers health coaches comprehensive coverage underwritten by Lloyd's of London. Part of their offering is a single package for general and professional liability.
However, what stands out the most from Alternative Balance is that by purchasing the policy, you automatically gain membership into its professional group. By being a member, you have access to trade resources and an affiliate program, among others.
The liability insurance coverage from Alternative Balance can be broken down as follows:
General and professional liability policy has an aggregate limit of $3,000,000 and per occurrence limit of $2,000,000
Products-completed operations aggregate limit of $2,000,000
Coverage for damage to premises rented to you has a limit of $300,000
Third-party medical expenses are covered by up to $5,000
You can get additional coverage, including:
Sexual abuse liability with a $50,000 limit per claim and a $100,000 aggregate limit
Cyber liability insurance with a $100,000 limit per claim and $200,000 aggregate limit
Best for: Health coaches looking for policies that specifically cater to their profession
Average cost: $29 per month
Our rating: 8/10
$35,000 of state licensing board defense coverage with its base policy
2 hours of free legal consultation per policy year
Real-time online application
Instant quotes available
Proof of coverage will be delivered to your email upon request
HIPAA defense coverage
Full consent to settlement claims
Coverage options of up to $2 million per claim
Coverage gaps exist
For health coaches, CPH & Associates is a top choice malpractice insurance provider. Additional policies include special event liability insurance, which will be handy if you are involved in an outreach health camp.
What stands out about their offering is that CPH & Associates offers a real-time online application. As a customer, you get an online quote and apply, all within minutes of submitting your application. Once you’re insured, you get an instant certificate of insurance.
A neat advantage of the CPH & Associates offering is that it provides $35,000 of state licensing board defense coverage with their most basic policy. Policyholders have the option of increasing this limit for an additional premium. Additionally, policyholders get a 2 hours of free legal consultation per policy year which will cater to any unexpected professional liability issues that might crop up. For the base policy, you will pay average premiums of $31.58 per month or $378.96 annually.
Best for: Professional liability insurance with HIPAA coverage
Average cost: $31.58 per month
Our rating: 8/10
Policyholders can buy coverage online immediately
A copy of the certificate of insurance can be provided at any time
Claims are filed online
No brokerage fees
Solid customer service ratings
Excellent financial strength
A lot of negative customer reviews in terms of claims filing and processing
For health coaches keen on having a seamless online experience, biBerk is the provider for you. As highlighted, biBERK is best for health coaches looking for customizable BOP. The latter has a wide range of limits and deductible selections. What's more, policyholders can add the umbrella and cyber coverage. Further, you have the option of customizing your professional liability coverage.
biBerk's basic health coach insurance offering includes general and professional liability coverage as well as workers' compensation insurance.
Best for: Customizable BOP for health coaches
Average cost: $35 per month
Our rating: 7/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!