Wellbeing insurance
Join over 900,000 UK customers with cover from £3.19 per month*
Get tailored quotes in 7 minutes
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Compare tailored insurance for health coaches from trusted brands
Compare quotes from leading brands
Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Health coach insurance – why is it important?
Working closely with clients as a health and fitness professional comes with specific risks, from sports injury to property damage. Fortunately, this doesn’t have to put a stop to your business activities. We offer tailored cover to protect you against the cost of a claim if the worst should happen.
- liability insurance for health coach, including public and employee risks
- compare cover from expert UK brands and protect your business
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does wellbeing insurance cover?
It’s quick to add covers to your quote and build a policy that suits your needs as a business. Most businesses start with public liability insurance, which protects your business against third party claims for injuries or property damage. Then, you can add covers that protect against other risks.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
Contents insurance 3
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Excess insurance
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- injuring someone else while you’re working, or afterwards as a result of your work
- damaging someone else’s property while working, or afterwards because of your work
- injury or damage caused by your employee (remember, if you employ people, you must have employers’ liability insurance – it’s a legal requirement)
For example:
- someone trips over a bag on the floor in your premises, causing them to break their ankle
- you accidentally knock a client’s laptop onto a hard concrete floor, damaging it beyond repair
- your employee smashes a TV while working in a client's house
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury to someone you employ, including contractors and temps, that happens as a result of working for you
- a member of staff (including casual workers) falling ill due to your business
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
- a temporary employee traps their hand in a door at your premises, causing several fractures
- a member of staff trips on a ledge on their way to a meeting, injuring their hip
Contents insurance 3
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by [business contents insurance] or [business equipment insurance?
Claims against your business for:
- theft or vandalism to your office furniture or business equipment
- damage or destruction caused by fire or flood
For example:
- a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
- someone forces entry to your business premises and graffitis your office furniture
- a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents
[SELECT 1 LINK]
Read more about business contents insurance
Read more about business equipment insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- unpaid invoices
- contracts for the purchase, hire, sale, or provision of goods or services provided to you
- an alleged breach of statutory rights with an employee
For example:
- you need to recover debt after a client refused to pay their invoice, caused by a contractual dispute
- you’re facing legal costs as a client is disputing whether you met your contractual obligations with your hire agreement
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
- lost income, plus medical costs and hospitalisation benefit
For example:
- an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
- you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
- your business partner bumps their head after a fall, causing ongoing health complications which stop them from working
Read more about personal accident insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- damage to (and loss of) stock, following fires, floods, or vandalism
- theft of stock following a break-in
- costs involved with replacing the stock you need to operate
For example :
- someone forces entry to your business premises and steals from your stockroom
- an important stock order falls from the back of your van and is never recovered
- you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour
Read more about stock insurance
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
- damage to the tools you use for work
- loss of your business tools or specialist equipment
- theft of your tools and equipment
For example:
- your business tools are damaged in a fire or flood
- your equipment is stolen while you're on the job
- you lose your business tools and equipment while travelling
Read more about tool insurance
Excess insurance
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
- when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does wellbeing insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
Stock | £200 | £4,000 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
Simply Business
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do insurance claims work for wellbeing businesses?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 39,717 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Wellbeing insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Helpful articles for wellbeing businesses
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletterInsurance
Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceCommercial van insuranceInsurersAbout
About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite mapAddress
6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2023 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.