Life coach insurance
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Rated 4.7/5
Based on 39,273 reviews
Claims paid in 24 hours
For 80% of settled claims
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.
Public liability insurance for life coaches
In case your life coaching business causes an injury or property damage.
Employers’ liability insurance
In case something happens to an employee while working for your life coaching business.
Professional indemnity insurance for life coaches
In case there’s a claim for negligence, or breaches in your duty of care.
Business and office equipment insurance
In case things like your phone or laptop are lost, stolen, or damaged
Legal expenses insurance
In case you and your coaching business face legal costs.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
Public liability insurance for life coaches
In case your life coaching business causes an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property
- injury or illness caused by your coaching business
- accidental damage or injury caused by your employees, if you have any
For example:
- you spill coffee on an expensive beige-coloured carpet while visiting a client at home
- a client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
What you’ll need additional cover for
- 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 something happens to an employee while working for your life coaching business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that comes as a result of working for you (including temps and casual workers)
**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:
- your receptionist trips and falls down a flight of stairs on his way out of the office
- an employee suffers concussion when a shelf collapses onto them while moving into a new workspace
Professional indemnity insurance for life coaches
In case there’s a claim for negligence, or breaches in your duty of care.
What’s typically covered by professional indemnity insurance?
Claims against your business for:
- advice which turns out to be incorrect
- mistakes in your work that cost others money to fix
For example:
- your client decides to leave her job and invest in her own small business, but suffers a financial loss and blames the advice you’ve given
- you send a follow-up email containing links and discussion points to the wrong client group, causing a GDPR breach
Read more about professional indemnity insurance
Business and office equipment insurance
In case things like your phone or laptop are lost, stolen, or damaged
What’s typically covered by business and office equipment insurance?
- theft, flood, fire, or accidental damage to the equipment you use to run your business
- operational equipment like your laptop, office printer, and phone
For example:
- one of your laptops gets damaged during an office refurb, and will need replacing
- a leak in your workspace damages your desk and other equipment over the Christmas holidays, and you need to delay a few appointments
Read more about business and office equipment insurance
Legal expenses insurance
In case you and your coaching business face legal costs.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your life coaching business
- property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
- tax and compliance disputes and investigations you need help with
- access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help protect your reputation as an in-demand coach
For example:
- a client is disputing their sessions with you, saying you haven’t met their stated objectives. They’re refusing to pay your invoice, which is now three months overdue
- an employee that left of their own accord is now raising a claim against you for breach of contract and unfair dismissal
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
What’s typically covered by personal accident insurance?
- accidental injury or death at or outside of work, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you injure your ankle while running at the weekend, and need to cancel three weeks of in-person appointments
- your employee falls down the stairs at work and breaks their knee – they need surgery and time off for recovery
Read more about personal accident 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 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 £5.50 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.
Example life coaching insurance quotes, real prices
£11.72 /month
£97.21 /month
A self-employed life coach who delivers workshops to local businesses on health and wellness topics
- 1-2 years' experience
- Sole trader
- No employees
- Based in Leicester
Public liability
£1,000,000
Employers’ liability
Not included
Professional indemnity
£50,000
£92.54 /month
£822.58 /month
A small life coaching company who give dating and relationship advice, working across the UK
- 5+ years' experience
- Limited company
- 2 employees
- Based in Nottingham
Public liability
£2,000,000
Employers’ liability
£10,000,000
Professional indemnity
£1,000,000
How we work out example quotes These examples are real quotes from our online system (created 19/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
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
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We handle claims, so you can get on with business
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.
Which type of workers do I need insurance for?
Does life coaching insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does life coaching insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider life style insurance or fitness instructor insurance?
Do I need cover for other types of work?
If you provide these services alongside building work, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
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 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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
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.
Insurance payout
£1,882.00
Covering the cost of personal accident
Bryony’s costs
£100
The excess amount stated in Bryony’s policy terms
Chosen by 800,000 small businesses
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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
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