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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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
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, 2024She is positive and friendly !
Alan Dynin
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, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024Super friendly service..
Kristina Strong
March 25, 2024
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Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey 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, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024 -
Excellent 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, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024
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.
