Health Coach Insurance
Top-Rated Health Coach Liability Insurance
Affordable Health and Fitness Insurance
Whether you’re a nutrition coach, an online personal trainer, or a yoga instructor, insurance for health and wellness professionals can help you cover the costs of client injuries, accidental property damage, legal fees, and more.
What Is Health Coach Insurance?
Health and fitness coach insurance is liability coverage that combines both general and professional liability. It is tailored to protect the work of health, wellness, and fitness professionals.
If someone trips in your office, is hurt while training with you, or equipment is damaged, liability insurance may cover the cost of claims brought against you. Insurance can help you keep your business running smoothly and save you thousands in out-of-pocket expenses.
What Does Health Coach Liability Insurance Cover?
Health coach liability insurance is designed to cover claims involving third-party injuries, certain kinds of property damage, and other claims, such as:
- Slip-and-fall incidents: If a client slips in spilled water or trips over a mat and breaks their ankle, you could be liable for their medical expenses.
- Property damage: When you work in a rented space, you could be on the hook for any damages that happen as a result of the work you do there.
- Negligence: If you accidentally over-work a client or they have an unexpected allergic reaction, you may be liable for medical bills or lawsuits that arise.
- Stolen gear: If you travel to multiple facilities in the course of your work and gear or equipment is stolen out of your vehicle, you could be responsible for the cost of replacements.
Our health coach insurance includes occurrence form coverage, offering you lifetime protection for common fitness claims. You can file a claim anytime for injuries or damages that occurred when you had coverage — even after your policy ends!*
How Much Does Health Coach Insurance Cost?
Our monthly health coach insurance starts at $15/month, or you can get an annual plan for $159 to save 13% per year.
You can also customize your policy to include Diet & Nutrition Coverage at $6.83/month or Gear & Equipment Coverage (Inland Marine) for as low as $1.33/month — making this one of the least expensive health and wellness insurance policies available.
Get a customized fitness and health insurance quote online in moments and enjoy instant coverage today.
Get the Best Insurance for Health Coaches From Insurance Canopy
- General and professional liability insurance combined
- Optional coverage add-ons
- Protection for your gear
- Flexible payment options
- Multiple location coverage
- Unlimited additional insureds
- Instant Certificate of Insurance
- 24/7 online access to your policy
- Nationwide coverage**
- Exclusive resources to help you run your fitness business — at no extra cost!
Highly Rated Coverage (Nearly 5 Stars!)
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Customize Your Health Coach Insurance Policy
Your base policy includes general and professional liability insurance with optional add-ons.
General Liability Insurance
Coverage designed for third-party bodily injury and property damage caused by your business, like a client injury sustained during one of your classes that requires medical care.
Professional Liability Insurance
Also known as health coach malpractice insurance, this is coverage designed for injuries or damages that occur as a result of your advice, coaching, or other services.
Diet & Nutrition Coverage
Optional coverage designed for additional services you offer clients, such as dietary advice, nutrition education, meal planning guidance, or similar.
Optional coverage designed to protect your tools and equipment against theft and damages.
Optional coverage designed to respond to cybercrime-related claims.
Additional Insureds
Optional coverage designed for third parties, like property owners, event organizers, or employers. It cannot be used for employees, friends or family, other coaches, yourself, or other businesses you may own.
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$1.33–$5.55/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
FAQs About Health Coach Insurance Coverage
Yes! Insurance Canopy’s health coach liability insurance covers you for in-person, online, and hybrid sessions. Stay protected wherever you coach.
Yes, some exclusions are common under most general and professional liability policies (like intentional harm or sexual harassment claims). You’ll find the specific exclusions listed on your policy.
Diet and nutrition coverage also excludes the sale of nutritional, medicinal, or herbal products, as well as dietary or nutritional-related work for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sport teams.
- Log in to your online user account
- Navigate to the “Manage policies” section
- Click on “File a claim”
- Add your information and supporting documentation
- Submit your claim
Once you submit your claim, you will be contacted by a claims adjuster in about 24–48 hours. They’ll provide you with your claim number and will answer any questions you may have.
With occurrence form coverage, you can file a claim anytime for accidents that occur during your policy period (even after your policy has ended). Make sure you still have your policy information, documentation of the accident, and the date it happened.*
*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
**Not currently available in Missouri.
