Health, Wellness & Life Coach Insurance Coverage Checklist
The coverages a health, wellness & life 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 health, wellness, life, and nutrition-focused coaches. Priorities reflect typical exposure for this class; confirm against your actual operations.
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 coaching caused financial, emotional, or physical harm. | Core | |
| General Liability | Covers injuries at workshops, group sessions, and your office. | Core | |
| Cyber / Privacy Liability | Covers health information, session notes, and app or payment data. | Core | |
| Products Liability | Covers supplements, shakes, and products you sell or recommend under your name. | Prevalent | |
| Media / Advertising Liability | Covers claims over testimonials, course content, and social posts. | Prevalent | |
| Licensing Board Defense | Pays legal costs if a dietetics or counseling board says you practiced without a license. | Prevalent | |
| Special Event / Retreat Liability | Covers retreats, challenges, and in-person events. | Situational | |
| Hired & Non-Owned Auto | Covers driving to clients and events. | Situational | |
| Workers' Compensation | Required once you have employees. | Situational | |
| Employment Practices Liability | Covers claims from coaches you hire or contract. | Situational |
The coverage gap most often missed
The gap most often missed by health coaches is advice that becomes licensed practice. Florida cited a paid health coach for practicing dietetics without a license, and coaching policies commonly cover only educational, non-prescriptive guidance — not meal plans, supplement doses, or therapy. Know your state's nutrition and counseling laws, keep a written scope statement with every client, and confirm what your E&O excludes.
Send us the checklist and we'll review your health, wellness & life coach coverage line by line, then market it across multiple carriers that compete for your account.
Related: Health, Wellness & Life Coach Insurance · Health, Wellness & Life Coach Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a health, wellness & life coach business need?
The core coverages for a health, wellness & life coach business are Professional Liability / E&O (Coaching), 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 health, wellness & life 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.