Life coach insurance

Get tailored quotes in 7 minutes

Life coach talking with a client on a sofa in their home

Why do you need life coaching insurance?

Clients trust you to make real, meaningful change in their lives. It’s a collaboration, of course, but when it comes to mistakes or accidents, claims are real and can leave you owing thousands. From professional indemnity insurance and legal protection to your essential kit, we’re committed to help protect the business you’ve built.

  • life coach insurance with UK-based claims support available 24/7
  • peace of mind, letting you focus on your clients, not the cover
  • professional indemnity insurance for life coaches, from £50,000 to £5 million


Insurance for life coaching – what’s covered?

We’ll start with professional indemnity insurance, top of the list for lots of UK life coaches. This handy cover can protect you against claims for mistakes and errors in your work which end up costing the client money. You can add other popular covers too, like public liability insurance for accidents and injuries, and employers’ liability cover is a legal requirement for most employers in the UK.


How much does life coaching 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 £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Example life coaching insurance quotes, real prices

chiswell insurance

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

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

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

Get prices from a range of insurers

Buy online in minutes

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


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

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

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 any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having life coach insurance through Simply Business has saved UK professionals thousands of pounds when the unexpected happened.

Bryony saved more than £1,800

Bryony (not her real name) slipped and injured her wrist on a radiator while putting up some curtains. She needs an operation and won’t be able to drive for at least six weeks. The personal accident cover in her life coaching insurance covered her hospitalisation and lost income costs.



Life coach 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 life coaching. You can also check out our business insurance FAQs.

This depends on your business, your clients, and the contracts you’re taking on. If you’re certified by your industry body, then you may need professional indemnity insurance in order to operate. But even if it’s not mandatory for your job, professional indemnity cover will still be a priority for many life coaches.

For example, your bigger client may require you to have £75,000 of professional indemnity insurance in place before taking on their project. We offer between £50,000 and £5 million in PI cover, so it should be a quick job to find the right level for your policy.

From there, lots of businesses choose to include public and liability cover – in case they cause an accident – plus insurance for their kit. And remember, employers’ liability insurance is a legal requirement for most businesses with employees.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a life coach, you may also do the odd consultancy job for other startups in your network – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

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.

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