Comprehensive Liability Coverage for Canadian Members
HCA is proud to provide access to a combined Professional Liability Insurance (PLI) & General Liability (GL) policy for individual practitioners, with limits up to 2M per claim.
This plan was created specifically for our working Professional Members who are Health Coaches to address the needs of their operations.
Why choose an HCA group liability plan?
These plans were created specifically for Health Coaches and Wellness Professionals to address the needs of their operations.
This plan was created specifically for our working Professional Members who are Health Coaches to address the needs of their operations.
Why choose an HCA group liability plan?
These plans were created specifically for Health Coaches and Wellness Professionals to address the needs of their operations.
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Coverage for Canadian Members |
Coverage Options |
Limits of Liability (per claim & per occurence) |
Cost |
Option 1 |
$1,000,000 |
$174 |
Option 2 |
$2,000,000 |
$214 |
Professional Liability Insurance (PLI)
General Liability Insurance
The following Modalities can be included in your plan at no additional cost provided it is disclosed at policy set up:
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Extension Coverage
** In addition to Individual Professional Liability & General Liability, members also have access to:
Add ons are optional for an additional premium.
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.
Pricing is subject to change without notice.
See Frequently Asked Questions Below for more details.
** In addition to Individual Professional Liability & General Liability, members also have access to:
- Business Professional Liability
- Cyber Security & Privacy Liability
- Legal Services Package
- Personal Legal Solutions, and
- Business Legal Solutions.
Add ons are optional for an additional premium.
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.
Pricing is subject to change without notice.
See Frequently Asked Questions Below for more details.
Frequently Asked Questions
Am I required to have Liability Insurance if I am a member of HCA?
Yes, professional liability insurance is an essential safeguard for both health coaches and their clients. As a professional member of the Health Coach Alliance, you are required to carry a minimum of $1 million in liability insurance to ensure that you are protected in the event of a claim related to your coaching services. This coverage helps protect you from legal costs and damages that may arise from allegations of professional negligence, errors, or omissions.
Requiring this insurance upholds the credibility and professionalism of our membership and offers peace of mind to clients, employers, and collaborators who engage with HCA-certified coaches. It also demonstrates your commitment to practicing responsibly and ethically within the health coaching industry.
Requiring this insurance upholds the credibility and professionalism of our membership and offers peace of mind to clients, employers, and collaborators who engage with HCA-certified coaches. It also demonstrates your commitment to practicing responsibly and ethically within the health coaching industry.
Can I purchase this Insurance coverage without being a member of HCA?
No. Liability insurance offered through the Health Coach Alliance is exclusively available to approved professional members. This is because the coverage is offered as part of a group policy arranged through our partnership with BMS, which provides discounted rates exclusively to HCA members. In accordance with our agreement with BMS, only individuals who are active members of the HCA are eligible to access this insurance.
This ensures that all insured coaches meet our recognized standards of training, ethics, and practice. Membership with HCA not only gives you access to competitive insurance rates but also signifies your commitment to professional excellence in the health coaching industry.
This ensures that all insured coaches meet our recognized standards of training, ethics, and practice. Membership with HCA not only gives you access to competitive insurance rates but also signifies your commitment to professional excellence in the health coaching industry.
do i have to obtain my liability insurance through hca?
No, you are not required to purchase your liability insurance through the Health Coach Alliance. However, all professional members must hold a minimum of $1 million in coverage that specifically applies to their health coaching services and modality.
If you choose to obtain coverage independently, it is your responsibility to ensure that your insurer fully understands the scope of practice and responsibilities of a Health Coach. Through our own research and negotiations, we’ve found that many insurance providers lack a clear understanding of the profession, which can lead to gaps in coverage. A strong understanding of your role is essential to ensure that you’re properly protected if a claim ever arises.
By contrast, the insurance offered through HCA and BMS has been tailored specifically to the needs of Health Coaches, ensuring both appropriate coverage and peace of mind.
If you choose to obtain coverage independently, it is your responsibility to ensure that your insurer fully understands the scope of practice and responsibilities of a Health Coach. Through our own research and negotiations, we’ve found that many insurance providers lack a clear understanding of the profession, which can lead to gaps in coverage. A strong understanding of your role is essential to ensure that you’re properly protected if a claim ever arises.
By contrast, the insurance offered through HCA and BMS has been tailored specifically to the needs of Health Coaches, ensuring both appropriate coverage and peace of mind.
I want to work while travelling outside of Canada. will i be covered for this?
No. The liability insurance offered through the Health Coach Alliance in partnership with BMS is only valid for services provided while you are physically working within Canada. If you plan to offer coaching services while traveling or living abroad, you will need to seek out coverage that specifically includes international practice.
It’s important to ensure you are properly insured in any region where you provide services, as coverage limitations can vary by country and provider.
It’s important to ensure you are properly insured in any region where you provide services, as coverage limitations can vary by country and provider.
I Work virtually with clients who do not live in Canada. Will I be covered for this?
Yes. While the coverage territory for General Liability is limited to Canada, the Professional Liability insurance provided through the Health Coach Alliance and BMS has worldwide coverage.
This means you are covered for virtual services provided to clients outside of Canada, as long as:
It’s essential to understand the laws and regulations that apply in the regions where your clients reside, to ensure you're practicing legally and ethically.
This means you are covered for virtual services provided to clients outside of Canada, as long as:
- You are domiciled in Canada (your permanent residence is in Canada),
- You are working within your scope of practice, both where you are located and where your clients are located, and
- Any claims must be brought forward and defended in Canada.
It’s essential to understand the laws and regulations that apply in the regions where your clients reside, to ensure you're practicing legally and ethically.
Why am I required to hold liability insurance as a professional member of HCA?
Liability insurance is required to protect both you and your clients in the event of a claim related to your professional services. As a professional member of the Health Coach Alliance, you must carry a minimum of $1 million in liability coverage to ensure you are legally and financially protected against claims of negligence, errors, or omissions.
This requirement also supports public trust in the profession, reinforces professional standards, and ensures that all HCA members are operating responsibly. It is a critical component of maintaining credibility and safeguarding your career as a health coach.
This requirement also supports public trust in the profession, reinforces professional standards, and ensures that all HCA members are operating responsibly. It is a critical component of maintaining credibility and safeguarding your career as a health coach.
