Looking for Life Coach Insurance?
Protect your coaching practice from professional liability, client disputes, data breaches, and E&O claims. Get coverage for life coaches, career coaches, and personal development professionals.
What is Life Coach Insurance?
Life coach insurance protects coaching professionals against claims arising from negligent advice, client dissatisfaction, breaches of confidentiality, and data security incidents. Coverage typically includes professional liability (E&O), general liability, and cyber protection. Many clients, corporate programs, and coaching platforms require proof of insurance before engagement or onboarding.
Professional Liability (E&O)
Covers claims alleging negligent coaching advice, failure to deliver promised services, emotional distress, or professional harm.
General Liability
Protects against bodily injury or property damage claims occurring during in-person coaching sessions, workshops, or office visits.
Cyber Protection
Covers data breaches, hacked coaching platforms, stolen client records, and notification costs related to exposed personal information.
Business Property (Optional)
Covers laptops, phones, office equipment, and coaching materials used in your practice.
Certificates
Fast proof of insurance for clients, coaching platforms, coworking spaces, and facilities.
Who Needs Life Coach Insurance?
- Life coaches : Businesses requiring specialized insurance coverage
- Career coaches : Businesses requiring specialized insurance coverage
- Executive coaches : Businesses requiring specialized insurance coverage
- Personal development professionals : Businesses requiring specialized insurance coverage
Why Harper?
Coaching Industry Expertise
Harper understands coaching-specific risks: client disputes, boundary issues, confidentiality concerns, and professional liability exposure.
Fast Proof for Platforms & Clients
Many coaching platforms and corporate programs require insurance before approval. We deliver certificates quickly.
Clear Coverage Guidance
We explain how professional liability differs from therapy or consulting coverage and what protection coaches actually need.
Coverage Matched to Your Coaching Style
Policies are tailored for one-on-one coaching, group programs, online coaching, retreats, and workshops.
Frequently Asked Questions
What insurance do life coaches need?
Most life coaches need professional liability insurance to protect against coaching-related claims, general liability for in-person sessions, and cyber liability if storing client data online. Business property coverage is recommended if you use professional equipment.
Is life coach insurance required?
Insurance is not legally required in most states, but many clients, corporate programs, and coaching platforms require proof of professional liability coverage before engagement.
How much does life coach insurance cost?
Life coaches typically pay $300–$1,000 annually, depending on coaching niche, client volume, revenue, and whether services are provided online or in person.
Does insurance cover bad advice?
Professional liability covers defense costs and claims alleging negligent coaching advice or failure to deliver services. It does not guarantee outcomes or cover intentional misconduct.
Does insurance cover online coaching?
Yes. Policies generally cover virtual coaching sessions. Cyber liability is especially important for online coaches handling sensitive client information.
Can I add clients as additional insureds?
Some corporate coaching contracts require this. Harper helps determine when it’s appropriate and issues certificates quickly.