Life Coach Insurance

Life Coach Insurance

Get the life coach insurance you need for less with Holistic Gold.

Life & Business Coaching insurance by industry experts

Life coaches perform incredibly valuable roles, helping individuals identify and achieve their personal and professional goals. They do so by guiding and supporting clients as they work towards self-improvement, personal development, and overall life satisfaction.

However, while the aim of life coaching is to improve peoples’ lives, sometimes the opposite may happen. Unfortunately, there’s always the possibility of life coaching sessions going unintentionally wrong, whether through bad advice, an accident, or something else. In these instances, it’s crucial for life coaches like yourself to have insurance.

Here at Holistic Gold, our bespoke life coach liability insurance packages give you all the cover you need. Irrespective of whether you’re a mobile or freelance life coach, or work from your own premises, our insurance for life coaches ensures you can do what you do best with complete peace of mind.

What is life coach insurance?

Life coach insurance, which is also called life coach liability insurance, is a type of coverage that safeguards life coaches from any legal and financial liabilities that arise as a result of their services. 

What life coach insurance involves in reality depends on both on the coach’s unique requirements and the provider, with typical covers including public liability insurance, products liability cover, and malpractice insurance.

Why do I need life coach insurance?

Life coach insurance protects your finances should something go awry during a job, like if a customer is harmed because of your advice. With insurance cover, you won’t have to fork out for any associated expenses.

For instance, life coach liability insurance safeguards you financially if you’re sued for malpractice, negligence, or misconduct, covering for any resulting medical, legal and compensation costs.

What is business coach insurance and why do I need it?

Here at Holistic Gold, we also offer cover for business coaches, who perform a vital role in helping entrepreneurs succeed in their ventures. Business coach insurance protects these individuals from the same liabilities as life coach insurance does, ensuring business coaches aren’t left out of pocket for any mistakes they make. 

For example, should a business coach’s advice result in their client losing business and therefore money, business coach insurance covers them for any compensation claims made against them as a result.

What’s included…

from £52.04* per year
* This price is for a £3m public, products and malpractice cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

What does our life coach insurance and business coach insurance cover?

Our life coach and business coach insurance packages are not one-size-fits-all solutions — they have been thoughtfully tailored to meet the specific requirements of life and business coaches. Included in our coverage is automatic public liability insurance, which safeguards you against claims related to injuries or property damage resulting from your business activities. However, it’s important to note that this does not extend to claims related to professional services. That’s why we also provide malpractice insurance, ensuring you’re covered in case of any errors made during your coaching sessions, 

A standard Holistic Gold policy also encompasses products liability and financial loss insurance. The specific types of coverage you receive as part of your policy depends on whether you operate from your own premises, or provide life or business coaching on a mobile or freelance basis.

In addition to these core coverages, it’s advisable to consider adding optional covers to create the most comprehensive life or business coach insurance policy that suits your unique situation. For instance, if you have a physical location, it’s essential to include buildings insurance to protect your premises. On the other hand, if you operate on a mobile basis, stock and equipment insurance becomes particularly important.

Whatever your specific needs, Holistic Gold has the solution. Explore the full list of options below and become part of our community to effortlessly build your ideal insurance package with a quick online quote today.

Which type of Holistic Gold policy do I need?

Find out which insurance policy is right for your business.


Are you a Student?

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Based on the information provided we would suggest our Student policy.

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Do you own or manage a clinic or business premises that allows access to the public (excluding clinics based at home)?

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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a clinic or business owner?

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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

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Do you rent a space in a clinic or work on a freelance or mobile basis in the holistic sector?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their therapy or treatment?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Premium Quality Cover, Without That Premium Price Tag

“So, what’s the catch?”
People often wonder how we can manage to keep our prices so affordable and still give them the same, premium quality cover.
We don’t play favourites. We always get you our best price possible, which keeps us a step ahead of the rest.
No tricks. Just comprehensive cover when you need it most.

Our Holistic & Complementary Therapist Cover

For Mobile & Freelance

If you work mobile or freelance in the holistic & complementary therapist sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Holistic & Complementary Therapist treatments

The Holistic Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Treatment page

Do you own or lease a salon? Our salon insurance packages provide some of the widest covers available.

Salon covers


Caroline Sanderson Hair Salon Owner / Business Coach Submit your question

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    “Will qualifications affect my insurance?”

    Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide

    Teacher or student cover

    Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

    Life Coach insurance FAQs

    Is life coach and business coach insurance the same?

    No, life coach and business coach insurance are not the same. Seeing as these professionals perform different roles, they both require distinct insurance policies that are tailored to their unique situations.

    Is life coaching regulated in the UK?

    Unlike many other professions, life coaching isn’t regulated in the UK, meaning anybody can work in this role if they believe they have the requisite skills and experience. 

    However, without a regulatory requirement to have insurance — except for being legally required to possess employer’s liability insurance if employ others — life coaches may feel like they can go without it. Yet, this would be inadvisable, as all it takes is one claim for you to be put in a perilous financial position. Insurance prevents this from happening.

    What licences do you need to be a life coach?

    Because life coaching isn’t regulated in the UK, there are no official licences required to be a life coach. That said, it’s recommended that budding coaches obtain relevant qualifications in order to prepare them for this career and provide clients with peace of mind that they’re in safe hands. There are now plenty of dedicated life coach training courses that you can take — learn more about them here.

    How much does life coach insurance & business coach insurance cost?

    How much business or life coach insurance costs depends on aspects such as:

    • The level of cover you need
    • Your claims history
    • How large your operation is
    • Your experience and credentials 
    • The level of excess you go for
    • Where you’re based

    Life Coach Insurance Related Articles

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