AFFORDABLE HEALTH COACH LIABILITY INSURANCE & ASSOCIATION MEMBERSHIP

Health coach liability insurance from Alternative Balance offers health coaches and consultants liability insurance they can trust. We want you to have peace of mind every time you work with a client, which is why the Alternative Balance health coach insurance is comprehensive and instant. Heath coach insurance is also called malpractice insurance for health coaches or errors & omissions insurance, so you may have heard those terms before as you searched for the right life coach liability insurance for your business.

We also offer liability insurance for wellness coaches and life coaches. You only need one policy even if you do all three types of coaching!

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Your policy will include general & professional liability, damage to premises rented and much more. We also offer optional Cyber Liability, which protects your business in the event of a cyber attack or hack. For more information on why this coverage is important for your business, read our Cyber Liability Insurance White PaperSexual Abuse Liability is also available as an optional coverage. To see a list of coverage provided with your insurance policy, please see our Coverages page.

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that 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

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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