Career coach insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$22.50
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$22.50
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Do I Need Career Coach Insurance?
As a career coach, you guide your clients toward a better understanding of themselves and their future career paths. They count on you for advice, honesty, and expertise. With so much at stake, you’ll want to consider purchasing career coaching insurance.
Below are some of the most common types of insurance policies that career coaches carry to stay protected.
What Type of Career Coach Insurance Do I Need?
From
$22.50
/month*
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Types of Insurance for Career Coaches Should I Consider?
Helping people achieve their career goals is your calling. And it’s your business. As a professional career coach, you never know what may stand in the way of your success. Obtaining insurance will help protect your business from unforeseen circumstances.
Here are three types of policies we typically recommend:
General Liability Insurance
Having general liability insurance can help protect your business if you cause third-party property damage or bodily injury to another person. Many small business owners may experience accidents that damage third-parties which can lead to claims. As a career coach, you may not think these scenarios are something you have to worry about, but they are more common than you might think.
Here’s an example: One of your clients visits your office for a coaching session. On his way out the door, he trips on a loose stone step and falls. He breaks his wrist and winds up suing your business for his medical expenses and emotional distress.
Without business insurance, you could be responsible for the medical expenses and other claims — and that cost would come out of your pocket. But if you have a general liability policy, you may be in luck. In this scenario, general liability insurance would likely help cover your client’s medical expenses and many other costs associated with a lawsuit.
Here’s what you can expect general liability insurance to cover:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
However, it usually doesn’t cover the following:
- Property damage to your own business
- Professional services
- Workers’ compensation or an employee’s injury
- Damage to your work
- Vehicles while in business use
- Expected or intentional injury or damage
Professional Liability Insurance
Your clients hire you to give them career advice. But what if their plans don’t play out the way they expected? As a professional business coach, your consultations with clients open you up to potential negligence claims. That’s why we recommend professional liability insurance.
Professional liability insurance, also known as professional indemnity insurance, can cover you if a client claims that you or your business were negligent when providing them with services, even if you disagree with the claim.
Let’s say your client is a high-level executive who wants to change her career to have a better work-life balance. You suggest she take the two-week vacation she’s been putting off for years to relax and reflect on her future goals. Instead, she quits her job and relocates to a tropical island where she’s unable to find work. She sues you for giving her bad advice.
Unfortunately, you’re on the hook for those legal fees if you don’t have insurance. And the cost of a lawsuit could be devastating to your business. If you had professional liability insurance, in this situation your policy would likely help cover your legal costs and any potential settlement fees.
Professional liability insurance typically covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Claims and damages
Professional liability insurance does not usually protect you from:
- Property damage or bodily injury
- Intentional acts and omissions
- Medical expenses
Workers’ Compensation Insurance
Another insurance you should consider as a career coach is workers’ compensation insurance. This insurance protects your business if an employee gets hurt, injured, or sick while on the job. Even with only one temporary or part-time employee, your state may require that you carry workers’ comp.
Work injuries can be expensive. The average cost of a workers’ comp claim was $40,051 from data collected in 2019 and 2020. Using that same data, a slip or fall accident averaged over $46,000. While you may not expect to need this coverage as a career coach, just think about what you may have to pay for your employee’s medical bills, emergency room visit, and more. With workers’ comp, you have financial protection and peace of mind that your employee’s injury won’t put your business at risk.
Workers’ compensation can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
When referred to together we’ll call General Liability, Professional Liability, and Workers’ Compensation Insurance as “Career Coach Insurance.”
Why Do I Need Insurance as a Career Coach?
Simply put, anyone can be sued by a client or an employee — even a career coach. Did you know that somewhere between 36% and 53% of small businesses are involved in litigation every year? These lawsuits are usually the result of accidents, injuries, and loss of revenue. As a business owner, you want to ensure that you’re helping to protect your business from risk.
You spend your days providing others with support and direction. We’re here to offer guidance when it comes to keeping your business safe. At Simply Business, we’ll help you stay protected with insurance for career coaches. You’ll rest easy knowing you’re better protected financially if something unexpected occurs.
Our insurance plans are designed to fit your needs, and we make it easy to compare quotes online so that you can find a suitable policy.
What Does Career Coach Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Career Coach Insurance Coverage Questions
Most states don’t require career coaches to have business insurance, but that doesn’t mean you shouldn’t be insured. If you rent office space, your property manager might ask that you have commercial general liability insurance. This plan can protect you if there’s a third-party accident, injury, or loss on the property.
There are other reasons why you may want to obtain insurance. First, clients might ask for it. Another reason is that many contracts require proof of professional liability insurance before you can begin work. A PL policy can protect you if you’re accused of errors and omissions.
In general, the insurance premiums you pay as a career coach are considered tax-deductible. However, we recommend speaking with an accountant or tax professional to see what deductions your business can claim.
Your business is unique, so every career coach has different insurance needs. After you answer key questions about your business on our online quote form, we can provide insurance options for you. Our online quote tool will consider the following factors to suggest plans:
- The services you provide
- Payroll and revenue estimates
- The state you work in
- And more
Simply Business lets you quickly compare plans and purchase a policy online. If you have questions, one of our licensed insurance agents is just a phone call away at 844-654-7272.
Getting a free insurance quote from Simply Business is easy. And it’s even easier when you’re prepared. To help us support you, we recommend having this information on hand:
- Annual revenue estimates
- Payroll estimates
- Information regarding past claims
The cost of your plan will depend on your business’ needs and budget. We’re here to help find insurance that’s easy and affordable for you. To provide an accurate quote, we ask for:
- Your revenue estimates
- Your business’s location
- The specific services you offer
- And more
If you’re ready to compare quotes now, head to our online quote form and answer a few questions. It takes just 10 minutes or less.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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