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Like all other industries, the health coach industry is rapidly growing. With the increased demand for health coaches comes an increased expectation to meet the clients’ needs for better health and fitness.
And with that level of responsibility, it is prudent to have an appropriate health coach insurance coverage to safeguard any potential liabilities.
This article breaks down Health coach insurance into different components such as quotes, costs, the types of liability insurance, and the best insurance providers in the market.
Health coach insurance is made for professionals operating in health and wellness industries to protect themselves from defamatory claims for services rendered.
Typical coverage for this type of insurance includes professional liability insurance, general liability insurance, and a few more covers depending on the client’s particular needs.
Types of Coverage
As an example, if a patient holding a consultation with you at your office slips and falls, this insurance would provide coverage for legal expenses and settlements.
Here’s a comprehensive comparison table for various health coach insurance providers, focusing on key coverage limits and features:
| Feature/Provider | CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford |
| Per Occurrence Limit | $1,000,000 | $1,000,000 | $1,000,000 / $2,000,000 | $300,000 / $2,000,000 | $1,000,000 / $2,000,000 |
| Aggregate Limit | $2,000,000 | $1,000,000 / $2,000,000 | $1,000,000 / $2,000,000 | $300,000 / $2,000,000 | $1,000,000 / $2,000,000 |
| Products and Completed Operations Aggregate Limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising Injury Coverage Aggregate Limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Hired/Non-Owned Auto Liability Coverage Included? | Yes | No | Excluded | Excluded | Can be included |
| Equipment Breakdown Floater Included? | No | Yes | Yes | Excluded | Can be included |
| Deductible | $0 | $0 | $0 | $0 | $0 |
Every nutrition coach has their own unique risk factors that stem from the very nature of their work. It is critical for them to ensure their advice does not lead to negative health results. For that reason, getting specialized nutrition coach insurance is extremely important.
Common coverage options include:
Having comprehensive coverage of client’s interaction and the dietary advice given to clients helps nutrition coaches control risks involved with their profession.
Get all the best quotes from leading providers in a click of a button!
Here’s a table summarizing the average monthly costs of various types of business insurance for nutrition coaches:
| Insurance Type | Monthly Cost | Description |
| General Liability Insurance | $29 | Covers third-party risks, such as injuries or property damage at your practice. |
| Professional Liability Insurance | $42 | Protects against malpractice claims due to errors or negligence in providing nutritional advice. |
| Business Owner’s Policy (BOP) | $42 | Combines general liability and property insurance, providing comprehensive coverage. |
| Workers’ Compensation Insurance | $75 | Covers medical expenses and lost wages for employees injured on the job. |
| Cyber Liability Insurance | $63 | Protects against data breaches and cyber threats affecting client information. |
| Custom Coverage (Diet & Nutrition) | $6.83 | Additional coverage specifically for diet and nutrition-related services. |
| Custom Coverage (Gear & Equipment) | $1.33 | Covers equipment used in your practice against theft or damage. |
Health coaches must have liability insurance to protect themselves from client lawsuits. Without this protection, a single lawsuit could endanger the financial and career stability of the coach.
Aside from traditional coaches, wellness coaches also need liability insurance that is suited for them. This helps cover the risks for any claims made against them for the holistic services rendered.
This gives malpractice insurance coverage to any legal expenses incurred while a health coach was injured, harmed a patient or provided extreme health advice. This policy is a part of a professional liability coverage for health coaches.
Health coach insurance payment details will be dependent on numerous factors as mentioned below:
On average, health coaches should be prepared for payment such as:
Rates can be adjusted depending on the situation at hand and the amount of coverage.
NEXT Insurance is focused on health coaches, among other small businesses. They have a fast and simple online quoting system.
Cost Per month; $17
Pros:
Cons:
Rating: 10/10
Get all the best quotes from leading providers in a click of a button!
CoverWallet’s customer base includes health coaches insurance policies so they can compare rates and find the best one easily.
Cost per month: $22.08
Pros:
Cons:
Rating: 9/10
You may usually recognize Tivly as CommercialInsurance.NET. They use multiple quality health coach insurance providers to deliver quotes via phone.
Cost per month: $24
Pros:
Cons:
Rating: 8/10
This insurance company is a well-known provider for small businesses like health coaching, and offers comprehensive coverage plans along with a primary policy that’s tailored to the necessities of the business.
Cost per month: $26
Pros
Cons
Rating: 9/10
CM&F Group facilitates health coaches’ professional liability insurance for the sole purpose of providing malpractice protection.
Monthly Cost: $35
Cons
Rating: 8.5/10
Progressive is very popular for its broad selection of business insurance products and exceptional service in meeting the needs of small businesses, including those that provide health coaching services.
Monthly cost: $35
Pros
Cons
Rating: 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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