Insurance for Life Coaches and Trainers
Professional Indemnity cover up to $10 million
Public Liability cover up to $20 million
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What does life and business coaching insurance cover?
Life and business coaching insurance is a type of coverage designed for life coaches, career coaches and mentors in various personal development and self-improvement fields. It can cover common risks as:
- Professional negligence claims
- Breach of confidentiality
- Third-party injury or property damage
- Lost or damaged paperwork and records
Professional Indemnity is a common policy taken by life coaching services. It can help cover risks, such as mistakes in your work, accidents, lost documents, defamation (libel or slander) claims, and public relations costs.
BizCover offers insurance options for life coaches, independent trainers, and sole trader coaching services. These include Public Liability, Professional Indemnity, cover for your business assets, and more. Choose cover that matches your business needs in minutes.
Why do life coaches and trainers need insurance?
Life coaches and trainers may need insurance to manage business risks, like negligence claims, client injuries, property damage, and stolen business assets.
Life coaches, business coaches, and trainers work closely with clients. If the trust you’ve built is broken, insurance is crucial to setting things right. It can help you manage claims, protect your business finances, and repair your reputation.
Work with specific clients.
Lease office space.
Replace lost or damaged materials, records, and other business assets.
Cover lost income if you’re unable to work due to injury or serious illness
Who needs life coach insurance?
Business insurance may be essential for a wide range of life coaching, training, and counselling occupations, including:
Life Coaches
Career Coaches
Health & Wellness Coaches
Performance Coaches
Relationship Coaches
Executive Coaches
Online Business Coaches
Independent Coaches and Sole Traders
Stress Management Coaches
What types of insurance do life and business coaches need?
Our comprehensive coaching insurance options generally provide essential protection for common industry risks. Build a customised insurance package and buy online in minutes.
Basic life coaching insurance:
Additional coaching insurance options:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does life coaching insurance cost?
Business insurance for life coaches, trainers, and counsellors costs an average of $32 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Choose cover limits that suit your business needs: Public Liability up to $20 million; Professional Indemnity up to $10 million with automatic reinstatement, run-off cover, and unlimited retroactive cover.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Choose cover limits that suit your business needs: Public Liability up to $20 million; Professional Indemnity up to $10 million with automatic reinstatement, run-off cover, and unlimited retroactive cover.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Other Life Coaches and Trainers Have Saved By Purchasing a Policy Through BizCover
Neil
Personal Trainer from
VIC
Saved
$200
on
Allied Health Combined Liability insurance
Kate
Massage Therapist from
NSW
Saved
$150
on
Allied Health Combined Liability insurance
Sarah-Jane
Nurse from
TAS
Saved
$400
on
Allied Health Combined Liability insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes. Business insurance can cover virtual coaching sessions and working from home.
Yes, Professional Indemnity generally extends to clients located outside of Australia. However, many policies may exclude work and claims in certain regions, such as the United States and Canada. Always check the policy wording to understand the terms, conditions, and exclusions.
Yes. With Professional Indemnity insurance, life coaches can cover themselves for multiple services within the same or a similar industry.
When you get a quote with BizCover, you’ll see a list of common services available for your industry. Simply select the ones that you offer to ensure you are covered. If you don’t see a particular service listed, we can work with our insurance partners to see if they can cover it. Just give us a call, and an agent will be happy to help.
Life coach insurance can help protect your business reputation in multiple ways. Professional Indemnity insurance typically includes cover for public relations assistance. This helps life coaches repair their professional reputation if they are sued or face a claim related to their personal advice or recommendations.
Having insurance also helps boost your business reputation in the eyes of clients. Insurance shows that you are serious about client safety and value your business.
No. Life coaching is not regulated by the government in Australia and qualification is not required to become a life coach or take out insurance. However, specific types of insurance may be required to join industry associations or work with some clients. Always check the rules and regulations within your jurisdiction.
Life coach insurance may be required to get certified. Check your accreditation program’s requirements to understand if business insurance is necessary to receive certification.
Filing a life coach insurance claim with BizCover is easy. Simply fill out our online claims form to get started. You can track the progress of your claim from our claims portal.
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