Comprehensive Liability Coverage for Canada and the USA
The Health Coach Alliance is happy to be able to provide our members with comprehensive professional liability coverage at competitive rates for Canada and the U.S.A.
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.
Select the Country Below for Details in Your Location
Note: You must be a citizen / resident of the country for tax purposes in order to be eligible for any liability coverage in these countries.
Please select the country you reside in for more details:
Please select the country you reside in for more details:
Canada |
United States |
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. As a condition of membership, HCA required a minimum of $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.
