Life Coach Insurance

Life Coach Insurance

Guide Confidently With Life Coach Insurance Options

As a life coach, you help people achieve their personal and professional goals, but challenges to your own ambitions can appear at any time. Life coach liability insurance solutions help protect your business and reputation, so you can focus on empowering your clients.
 
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Life Coach Insurance

Why Do You Need Life Coach Insurance?

Working closely with clients and giving them advice on their life is rewarding. But it also means facing risks, like property damage or lawsuits. Without insurance coverage, you may have to pay out of pocket for claims. The right type of business insurance helps protect you from unexpected events and lets you focus on your clients.
life coach professional liability insurance

Who May Need Life Coaching Insurance?

The Hartford understands the unique risks life coaches face. It’s why we designed our coverage to help protect certain types of coaches, including:
 
  • Career coaches
  • Business coaches
  • Executive coaches
life coaching insurance

What Type of Insurance Do I Need for a Life Coaching Business?

Most life coaches get a Business Owner’s Policy (BOP) as a first step in protecting their practice. It helps cover bodily injury and property damage claims that can come up during normal operations.
A BOP combines three essential types of coverage into a single policy:
 
  • General liability insurance helps protect your business from claims it caused bodily injury or property damage to someone else.
  • Commercial property insurance helps protect your business’ building, equipment, tools, supplies and inventory that you use to operate.
  • Business income insurance replaces your lost income if you can’t operate your life coaching practice because of property damage from a fire, theft or wind.
At The Hartford, we know every life coaching business is unique and faces different risks. We’ve made it easy for you to add other types of insurance to your BOP for more well-rounded protection.
 
 

How Much Does Life Coach Insurance Cost?

The cost of life coach insurance options varies, but here are the average amounts our small business insurance customers pay for common types of coverage:**
 
  • BOP: $686 a year, or about $57 a month
  • Stand-alone general liability insurance: $464 a year, or about $39 a month
  • Workers’ compensation insurance: $524 a year, or about $44 a month
 
It’s important to remember that insurance costs vary because every business owner has unique needs. Insurers also use different factors to determine rates. The best way to find out how much life coach insurance will cost is to get a quote.
life coach liability insurance

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Get your proof of insurance certificate easily online when you need it.

Covering Your Operations

As a life coach, keeping your business running smoothly is essential. But sometimes, things happen that aren’t in your control. With The Hartford’s insurance for life coaches, we can help you keep your business operations running smoothly.
Power outages cost U.S. businesses an estimated $150 billion per year.2
Business Income Insurance for Life Coaches

Business Income Insurance

“One of the power transformers down the street blew and left our office without power for over a week. We had to send everyone home and close the office.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if you can’t operate your life coaching business due to covered property loss.
general liability insurance for life coaches

General Liability Insurance

“During an in-person coaching session, a client tripped over a power cord and fell, injuring their wrist. I had to call an ambulance to take them to the hospital.”
 
General liability insurance can help cover claims that your coaching practice hurt someone else. It can help pay for medical bills or legal costs if you get sued. 

Taking Care of Your Team

Whether you own a small practice or a large center with many employees, your team is essential to the success of your life coaching business. Workers’ compensation insurance can help protect your employees from the risks they face every day.
There were 81,055 charges of workplace discrimination filed in 2023.3
business income insurance for life coaches

Professional Liability Insurance

“My firm got sued because a client said the advice they got from a coach caused them to be demoted at their job.”
 
Professional liability insurance helps protect your business from claims that it made a mistake in the services provided. It can help pay your legal costs, such as attorney fees, settlements or judgments.
workers' compensation Insurance for life coaches

Workers’ Compensation Insurance

“One of our employees slipped on the tile while watering our indoor garden and injured their back. They couldn’t work for the rest of the month.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies to help with their recovery.

Protecting Your Property

Your practice’s property is key to running an efficient business. But what would happen if your equipment gets stolen or your supplies get damaged? Commercial property insurance for life coaches can help repair or replace your equipment, so you can get back up and running.
85% of small business retailers reported experiencing theft from their business at least once a year.4
commercial property coverage for life coaches

Commercial Property Insurance

“Someone broke into our office and stole all the new employee laptops and phones. We had to replace all the tech within a week to be able to continue operating.”
 
Commercial property insurance helps protect your owned or rented computers, phones, supplies, inventory and furniture that you use to operate your coaching business.
data breach insurance for life coaches

Data Breach Insurance

“After a cyberattack on our network, we lost thousands of client records. We were scrambling to recover for weeks.”
 
Data breach insurance helps you respond to a breach if personally identifiable information (PII) or personal health information (PHI) gets lost or stolen, whether it’s from a hacker breaking into your network or an employee accidentally leaving their laptop at a restaurant.

Life Coach Insurance Solutions Made for Your Business

From unexpected lawsuits to unforeseen accidents, we understand the unique risks and challenges of running a successful life coaching business. That’s why we designed our coverage to fit your specific industry needs, offering peace of mind and reliable protection for your coaching practice.
 
Find out more about other personal health professions we insure:
 

Frequently Asked Questions About Life Coach Insurance

Life coach insurance is made up of different types of coverage designed to help protect your business from various claims. For example, if a client trips in your office and hurts themselves, a general liability insurance policy can help cover their medical bills. Since you work directly with clients, you can also get sued if they believe a mistake was made, and they suffered a financial loss. Professional liability insurance for life coaches, career coaches or advisers can help pay your legal costs. As a business owner, you face unique risks every day. So, you’ll likely need other types of insurance coverage to create a customized policy for your business.
Life coach insurance is important because it helps protect your business from a variety of risks. Without coverage, you may have to pay out of pocket for costly damages. This could be financially devastating to your life coach business. Some states also require certain types of business insurance, so it’s important to stay compliant. For example, if you have employees, most states require you to carry workers’ comp.
The best way to get insurance as a life coach is to get a free quote online from The Hartford. Our process is simple, and you can get your business’ specific quote in just a few clicks.
insurance for life coaches

Get Insurance for Life Coaches Today

Get the protection you need to coach your clients with confidence.
 
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Last Updated: April 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Pinkerton, “The Impact of Power Outages on Businesses”
 
3 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report”
 
4 Forbes, “The Impact of Retail Theft on Small Businesses”
 

 
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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