Phone Number (888) 900 0205

Health Coach Insurance

As a health coach, your clients trust you for guidance on wellness, nutrition, and lifestyle—setting a high bar for professionalism. But even with the best intentions, things can still go wrong. Health coach insurance helps protect your business from risks like injuries, property damage, or professional liability claims. It’s there to safeguard your income and give you peace of mind. With coverage in place, you can focus fully on your clients.

General Liability

General liability insurance helps protect you from everyday incidents that could lead to costly claims—from property damage to personal injury during client sessions.

Claim Examples: What’s Covered?

  • A client slips on a spilled water bottle during an in-person session and breaks their wrist. Your policy covers medical expenses.
  • You accidentally knock over a decorative sculpture during a home visit. Insurance helps with replacement costs.
  • A delivery person trips over a yoga mat in your studio. General liability can cover their injury claim and legal fees.

BOP Coverage for Health Coaches

A Business Owner’s Policy (BOP) combines general liability with commercial property coverage, giving you essential protection in one package. Whether you coach from home, a shared studio, or a rented office, BOP keeps your business running—even when the unexpected hits.

Claim Examples: What’s Covered?

  • A small fire damages your home office, including your laptop, wellness materials, and fitness gear. Your BOP covers replacements and lost income.
  • Your studio is broken into and key equipment is stolen. BOP reimburses the cost to replace it.
  • A storm shuts down your rented space for weeks. Your policy helps with relocation and income lost during downtime.

Workers’ Compensation for Health Coaches

If you have employees or assistants, workers’ comp may be required by law—and it’s smart business regardless. It covers medical care, recovery, and lost wages for team members hurt while working.

Claim Examples: What’s Covered?

  • Your assistant strains their back lifting heavy equipment. Coverage includes treatment and income replacement.
  • An employee slips on a wet entryway and twists an ankle. Workers’ comp covers medical costs and time off.
  • Repetitive strain from long hours of computer work leads to an injury. Your policy helps with rehab and care.

What Else Do Health Coaches Need?

Round out your protection with these valuable coverages:

  • Professional Liability (E&O) – Covers claims from alleged mistakes, advice gone wrong, or unmet expectations.
  • Cyber Liability – Helps if sensitive client info is hacked or leaked from your systems.
  • Commercial Auto Insurance – Commercial auto accidents can be much more expensive, especially if you're carrying passengers or work equipment.
  • Commercial Property Insurance – Covers studio or office space and equipment if something like a fire or flood damages or destroys them.
  • Umbrella Insurance – Adds extra protection above your existing liability limits in case of a major claim.

FAQs For Health Coach Insurance

How Much Does Health Coach Insurance Cost?

Expect to pay about $300 to $750 each year, depending on your business size and the state you operate from.

How Do I Buy This Insurance?

It's easy and fast. You can have a quote in 5 minutes using our online form, or you can call and talk to an agent in person. 888-900-0205

What Is an Additional Insured Endorsement?

It extends your policy to include another person or group—often a landlord or event venue—under your insurance for a specific situation.

What Is a Certificate of Insurance?

A COI is a document that proves you carry insurance. It’s how you show proof of insurance when renting space or signing contracts.

How Can I Save on Insurance in My State?

Bundle policies, keep a clean claims record, increase deductibles, and ask about discounts for safety practices or business longevity.

Why Choose USA Insurance

At USA Insurance, we go beyond basic coverage. We understand the day-to-day risks of running a wellness business—and we’re here to support yours.

  • 99% Client Satisfaction – Our service speaks for itself.
  • Specialized Expertise – We insure health coaches, wellness professionals, contractors, and small business owners across the U.S.
  • Licensed in All 50 States – Local insight, nationwide reach.
  • Tailored Policies – Your coverage fits your business—not someone else’s.

Your clients count on you—count on us to have your back. Let’s talk.

Start Your Quote Now!

Not Sure What You Need ?
Call us (888) 900 0205

Contact Us