Health Coach Insurance: Liability, Cost & Quotes From $9/month

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. 

Health Coach Liability Insurance 

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 

Similar to general liability insurance for sports coaches and career coaches, general liability insurance for health coaches also covers other exposures. Use this insurance to cover:

• 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 

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.

Commercial Property Insurance for Health Coaches 

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

• Accounts receivable

Health Coach Workers Compensation Insurance

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

• Hospitalization

• Medication

• Rehabilitation and retraining 

• Lost wages

• Funeral expenses and allowance to dependents in case of death     

Business Owner’s Policy for Health Coaches 

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. 

Cyber Liability Insurance for Health Coaches 

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

• Legal defense

Nutrition Coach Insurance

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. 

Health Coach Insurance Cost

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:

Best Health Coach Insurance Companies 

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. 

NEXT Health Coach Insurance 

Pros

• Best overall

• 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

Cons

• 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

CoverWallet Health Coach Insurance 

Pros

• Stable rates

• Compare health coach insurance quotes online

• Call and cancel your policy anytime

• Instant coverage online

Cons

• 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

Tivly Health Coach Insurance 

Pros

• Compare health coach insurance quotes over the phone

• A partner of many reputable insurance companies

• Responsive customer service

Cons 

• 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

Hiscox Health Coach Insurance 

Pros 

• 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 

Cons

• 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

Alternative Balance Health Coach Insurance

Pros

• 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 

• Customizable policies 

Cons 

• 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

CPH & Associates Health Coach Insurance

Pros 

• $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 

Cons 

• 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

biBERK Health Coach Insurance   

Pros 

• 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 

Cons 

• 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