Comprehensive Liability Coverage for Canadian Members
The Health Coach Alliance is happy to be able to provide our members with comprehensive professional liability coverage at competitive rates for Canada, U.S.A., Australia, New Zealand, and the United Kingdom.
The policy offer the option of both Commercial General Liability (CGL) AND Errors and Omissions Insurance (E&O).
Why choose an HCA group liability plan?
These plans were created specifically for Holistic Nutritionists, Health Coaches and Wellness Professionals to address the needs of their operations.
The policy offer the option of both Commercial General Liability (CGL) AND Errors and Omissions Insurance (E&O).
Why choose an HCA group liability plan?
These plans were created specifically for Holistic Nutritionists, Health Coaches and Wellness Professionals to address the needs of their operations.
(See below for U.S.A., Australia, New Zealand and the UK Member rates)
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Coverage for Canadian Members |
Errors & Omissions
(Highly suggested for all professional members who are meeting with clients)
Errors & Omissions insurance provides protection for any loss sustained because of the rendering or failure to render professional services.
Errors & Omissions insurance provides protection for any loss sustained because of the rendering or failure to render professional services.
Errors & Omissions (E&O) |
Limits of Liability (per claim & per occurence) |
Annual Premium |
Option 1 |
$1,000,000 |
$245 |
Option 2 |
$2,000,000 |
$290 |
Option 3 |
$3,000,000 |
$395 |
Coverage Includes:
Optional Coverage for Privacy Breach:
- Intellectual Property Infringement;
- Defence Expenses
- Telephone Legal Advice
- Meal Preparation included with purchase of CGL coverage.
- Base coverage covers up to 15% of your business income outside of Canada (Ad-on available for an extra fee - see below).
Optional Coverage for Privacy Breach:
- $25,000 Limit - $80
- $50,000 Limit - $120
Commercial General Liability
Commercial General Liability is for practitioners who meet their clients face-to-face and / or have a bricks and mortar location. It provides coverage for bodily injury or property damage to a third party. Commercial General Liability (CGL) does not include coverage for any professional services listed above for Errors & Omissions and must be purchased in conjunction with the E&O coverage.
CGL is a non-mandatory ad-on (see additional extension coverage below).
CGL is a non-mandatory ad-on (see additional extension coverage below).
CGL |
Option 1 |
Option 2 |
Option 3 |
Option 4 |
Bodily injury, Property Damage and Products & Completed Operations (each occurence and aggregate) |
$1,000,000 |
$2,000,000 |
$3,000,000 |
$5,000,000 |
Advertising Injury & Personal Injury (each occurrence and aggregate limit) |
$1,000,000 |
$2,000,000 |
$3,000,000 |
$5,000,000 |
Medical Payments |
$50,000 / person |
$50,000 / person |
$50,000 / person |
$50,000 / person |
Tenant's Legal Liability |
$500,000 |
$500,000 |
$500,000 |
$500,000 |
Premium |
$163 |
$220 |
$294 |
$357 |
- Meal preparation included.
Extension Coverage
We also offer an extension of coverage for an additional premium for the following services:
- Licensed Aroma therapist (which includes the selling of non-ingestible third party products)
- Licensed Hypnotherapist
- Yoga/Pilates/Stretching/Meditation Qualified Instructors (coverage extends to participants liability when Commercial General Liability is purchased)
- International Coverage Ad-on - If you receive over 15% of your income outside of Canada you can add extra coverage to include up to 50% of your income. (Base coverage above covers up to 15% of your business income outside of Canada.)
Should you require a more specialized coverage plan, our insurance team will work with you to get the best possible coverage at special membership rates.
Terms:
The policy period is one year and renews one year from the time of purchase.
You must be a current member of The Health Coach Alliance to be eligible for the HCA liability and group discounted rates. Proof of membership is required on an annual basis.
This coverage and pricing assumes an income of $150,000 and under with no previous CGO or E&O claims. Pricing is subject to change based on different parameters.
See Frequently Asked Questions Below for more details.
Frequently Asked Questions
Why SHOULD I Purchase liability insurance?
For anyone in an advisory role, liability insurance is highly recommended. Not only does it protect the client incase something happens to them, it protects you and your business. With this in mind, we have made it easy and affordable to all professional members who are meeting with clients. We suggest at least the minimum $1M of Errors and Omissions insurance.
I would like to join HCA but I am not yet working with clients. Should I obtain coverage?
If you are not ready to meet with clients yet, you do not have to purchase liability insurance. We do however highly advise that if you have an active website, social media, blog, newletter etc., you may want to consider getting coverage right away. Just because you are not yet taking an income, in no way means you are not exposing yourself to risk if you have an online presence.
do i have to obtain my liability insurance through hca?
Great question! You do not have to purchase your liability insurance through HCA however if you do not get your coverage through us, you should ensure you are properly covered and that the insurance company fully understands what a Health Coach is and what services they provide. We found through our own research and negotiations, that many companies do not have a full understanding of the profession and a strong knowledge and understanding exactly what your role is, is extremely important to ensure you are covered if you need it.
I want to work while travelling. will i be covered for this?
The HCA plan alllows you top travel within your country of residence and still be covered.
You will not be covered while travelling to other countries under any plan you can find. Beware of plans whose wording claims they provide "International Coverage." This does not necessarily mean you can travel internationally. It typically means you can obtain coverage internationally based on your location.
There are several reasons for this:
If you are planning to travel outside of your country for work purposes (such as a speaking engagement), you would want to purchase an additional plan that covers you for the duration you are away.
You will not be covered while travelling to other countries under any plan you can find. Beware of plans whose wording claims they provide "International Coverage." This does not necessarily mean you can travel internationally. It typically means you can obtain coverage internationally based on your location.
There are several reasons for this:
- It is illegal to work and obtain an income in a country without taking the proper legal steps.
- You must be a citizen or permanent resident of that country for tax purposes to be covered by any insurance plan.
- Laws vary from country to country and what you are covered for in your country, may be illegal or outside of your scope of practice in another country therefore no insurance company is willing to take on that risk.
If you are planning to travel outside of your country for work purposes (such as a speaking engagement), you would want to purchase an additional plan that covers you for the duration you are away.
