Business & Executive Coach Insurance Coverage Checklist
The coverages a business & executive coach business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for executive, leadership, business, and career coaches and coaching firms. Priorities reflect typical exposure for this class; confirm against your actual services, clients, and programs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability / E&O (Coaching) | Covers claims that your advice or guidance caused a client financial or emotional harm. | Core | |
| Commercial General Liability | Covers injuries at workshops, offices, and client sites. | Core | |
| Cyber / Privacy Liability | Covers session notes, assessment results, recordings, and online payment data. | Core | |
| Media / Intellectual Property Liability | Covers claims over course content, books, podcasts, and use of others' material. | Prevalent | |
| Business Personal Property | Covers laptops, recording gear, and office equipment. | Prevalent | |
| Special Events / Retreat Liability | Covers retreats, masterminds, and live events, including venue requirements. | Prevalent | |
| Hired & Non-Owned Auto | Covers driving to client sites and events in your own car. | Situational | |
| Employment Practices Liability | Covers claims by staff and misclassification of contract coaches. | Situational | |
| Workers' Compensation | Required once you have employees. | Situational | |
| Crime / Social Engineering | Covers payments diverted by fake invoices or vendor instructions. | Situational | |
| Directors & Officers | Needed if you have investors or serve on client boards. | Situational | |
| Umbrella / Excess Liability | Adds limits when corporate clients require higher totals. | Situational |
The coverage gap most often missed
The gap most often missed by coaches is advice outside the coaching scope. Many coaching E&O policies exclude therapy, legal, financial, and investment advice — exactly where clients tend to pull a coach — and marketing that promises specific income or results can turn a refund dispute into a claim. Corporate-sponsored coaching adds confidentiality risk when an employer expects reports on the executive. Confirm what your E&O excludes, keep your contract's scope and referral language tight, and review marketing for earnings claims.
Send us the checklist and we'll review your business & executive coach coverage line by line, then market it across multiple carriers that compete for your account.
Related: Business & Executive Coach Insurance · Business & Executive Coach Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a business & executive coach business need?
The core coverages for a business & executive coach business are Professional Liability / E&O (Coaching), Commercial General Liability, Cyber / Privacy Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my business & executive coach coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.