Comprehensive Liability Coverage for Health Coaches in 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 Health Coach Alliance is thrilled to offer our members comprehensive professional liability coverage at competitive rates across Canada and the U.S.A.
Our policies include options for both Commercial General Liability (CGL) and Errors and Omissions Insurance (E&O)
Why choose an HCA group liability plan?
These plans are specifically designed for HCA Health Coaches and Wellness Professionals, tailored to meet the unique needs of their practice.
The Health Coach Alliance is thrilled to offer our members comprehensive professional liability coverage at competitive rates across Canada and the U.S.A.
Our policies include options for both Commercial General Liability (CGL) and Errors and Omissions Insurance (E&O)
Why choose an HCA group liability plan?
These plans are specifically designed for HCA Health Coaches and Wellness Professionals, tailored to meet the unique needs of their practice.
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 essential. It not only safeguards your clients in the event of unforeseen incidents but also protects you and your business.
Recognizing this need, we've made obtaining coverage simple and affordable for all professional members who engage with clients. To uphold high standards of practice, HCA mandates a minimum of $1 million in Errors and Omissions Insurance as a condition of professional membership.
Recognizing this need, we've made obtaining coverage simple and affordable for all professional members who engage with clients. To uphold high standards of practice, HCA mandates a minimum of $1 million in Errors and Omissions Insurance as a condition of professional membership.
I would like to join HCA but I am not yet working with clients. Should I obtain coverage?
As a professional member of HCA, you are required to hold a minimum of $1M Errors and Omissions coverage within 90 days of joining.
Student members are not required to hold liability coverage.
Student members are not required to hold liability coverage.
As a member, Am I Required to obtain my liability insurance through hca?
Great question! You do not have to purchase your liability insurance through the HCA provider, however if you do not get your coverage through us, you must ensure you are properly covered with a minimum $1,000,000 of E&O insurance 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 for the Health Coaching Modality.
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 for the Health Coaching Modality.
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.
Do I have to be a member of HCA to apply for this coverage?
Yes, you must be a professional member in good standing to qualify for the HCA group coverage.
