Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK life coachs — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Life coaching sits in an unusual position: there's no statutory regulator, no protected title, and no mandatory qualification — which shifts more of the responsibility for managing risk onto your insurance and your own professional boundaries.
Unlike counsellors (BACP/UKCP) or statutorily regulated health professions, "life coach" isn't a protected title and there's no statutory body setting minimum training or insurance requirements. This means insurers assess you individually, based on your actual training and how you describe your services.
Coaching is generally future-focused and goal-oriented, while therapy addresses diagnosable mental health conditions. A client presenting with symptoms of depression, anxiety or crisis is outside most coaches' training and competence — knowing when to refer on, rather than continue coaching, is a genuine risk-management skill.
Coaching that touches on business, career or major financial decisions can lead to a claim that your advice caused a client financial loss. Professional indemnity is what responds to this kind of claim, not public liability.
A clear coaching agreement — setting out what coaching is, what it isn't, and when you'll refer a client elsewhere — is one of the strongest protections available in an unregulated field, and something insurers may ask about when assessing your risk.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from clients who suffer injury, adverse reaction or harm as a result of a treatment you provide. The most critical cover for any health or therapy business.
Covers injury or property damage to clients at your premises or at their location. Required by most gyms, studios and venues you hire.
Covers claims of negligence, wrong advice or errors in your professional capacity — including claims that a programme, plan or recommendation caused harm.
Required by law if you have employees or employ other therapists. Minimum £5 million cover by law.
Covers data breaches and loss of sensitive client health data. Increasingly important for practices holding medical and personal information.
Covers specialist treatment equipment, therapy tools and professional apparatus against theft and accidental damage.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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