What is professional indemnity insurance?
Why it matters even without a formal regulator.
Life CoachInsurance
Life Coach Insurance
Professional indemnity cover built for life and career coaches, for advice and goal-setting work, not clinical or therapeutic services.
Professional indemnity cover built for life and career coaches, for advice and goal-setting work, not clinical or therapeutic services.
Advice disputesIn-person sessionsClient information
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What is life coach insurance?
Life coach insurance is a combination of covers built around coaching clients on personal or career goals, professional indemnity for advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
Coaching isn’t a regulated profession in the UK, so there’s no mandatory minimum cover, but many clients and coaching bodies still expect to see proof of professional indemnity insurance.
The right life coach cover depends on:
One-to-one or group coachingWhether you coach in person or onlineRunning workshops or retreatsLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Is this cover right for your practice?
Is this cover right for your practice?
This cover suits any business coaching clients on personal or career goals.
This cover suits any business coaching clients on personal or career goals.
Life Coaches
Supporting clients with personal goals.
Career Coaches
Helping clients navigate career decisions.
Business & Executive Coaches
Coaching leaders and business owners.
Wellness & Confidence Coaches
Supporting general wellbeing goals.
Group Coaching Providers
Running workshops or group programmes.
Online Coaching Practices
Coaching clients remotely.
What could go wrong for a life coach?
What could go wrong for a life coach?
Most life coach claims come from a dispute over advice given, a missed or cancelled session, a data breach, or an injury during an in-person workshop.
Most life coach claims come from a dispute over advice given, a missed or cancelled session, a data breach, or an injury during an in-person workshop.
How could a claim affect your business?
How could a claim affect your business?
A single dispute can outweigh months of fee income for a small coaching practice.
A single dispute can outweigh months of fee income for a small coaching practice.
Advice Dispute
A client disputes the guidance you provided.
What cover may respond?
Professional Indemnity
Data Breach
Personal client information you held is exposed.
What cover may respond?
Cyber Insurance
Workshop Injury
Someone is hurt during an in-person session.
What cover may respond?
Public Liability
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Who needs life coach insurance?
Life coach insurance may be suitable if you coach clients on personal or career goals, whatever your specialism.
This cover may be suitable if you’re:
Coaching one-to-one or in groupsRunning workshops or retreatsCoaching clients onlineWorking with a mix of long and short-term clientsUsing associates or subcontractorsEmploying coaching staffCover built around your work
Cover built around your work
Most life coaches combine professional indemnity with public liability for in-person sessions, plus cyber cover for the client information they hold.
Most life coaches combine professional indemnity with public liability for in-person sessions, plus cyber cover for the client information they hold.
Professional Indemnity
Protection if your coaching or advice causes a client a financial loss.
Cyber Insurance
Protects against costs following a breach of client information.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible laptops and equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
How much does life coach insurance cost?
There’s no fixed price. Group sessions, in-person workshops and your indemnity limit are the biggest factors for coaches.
One-to-one or group coaching
Group workshops can carry different risk to individual sessions.
In-person or online coaching
Running in-person sessions can affect your public liability needs.
Level of professional indemnity
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get life coach insurance
How to get life coach insurance
Getting life coach insurance takes four steps: tell us about your practice, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting life coach insurance takes four steps: tell us about your practice, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your practice
The type of coaching you offer, and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Life coach insurance guides
Life coach insurance guides
Practical advice on cover, client work and staying protected.
Practical advice on cover, client work and staying protected.
Life coach insurance FAQs
Life coach insurance FAQs
Straight answers on cover, client work and cost.
Straight answers on cover, client work and cost.
Life coach insurance is a combination of covers built around coaching clients on personal or career goals: professional indemnity for advice that causes a client a financial loss, public liability for injury or damage, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.