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Short answer: Yes, life coaches need liability insurance. Longer answer: Because there is no such thing as a State Licensed Life Coach, one could well argue that the coaches liability INCREASES. (The coach would not be able to use the state licensing board to deflect accusations of wrong-doing/neglect/incompetence.) At a mimimum, a business owners' liability insurance policy should be in effect to cover the coaches business of life lesson consultancy. An additional personal liability policy would not be a bad idea too. The client could turn out to be in need of a real mental health professional - a shrink - and this is way above an beyond the scope of the services provided by a life coach. The client may well turn around and seek damages/restitution from the coach. The insurance to cover the liability is far, far cheaper and much quicker than being dragged into court. (Even a lawsuit that is eventually proven to be without merrit can take YEARS to discharge.)

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Wiki User

19y ago
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Wiki User

9y ago
,Yes Safeco has a great policy for Life Coaches. It's very cheap as well.
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Wiki User

16y ago

Stirling Insurance Group Ltd in Calgary, Alberta & SIG Insurance Ltd in British Columbia offers Professional & General Liability Coverage for Professional Coaches and organizations.

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Cathy Dagba

Lvl 2
2y ago

No life coaches do not need liab

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