Comprehensive Liability Coverage for the United States
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.
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Coverage for U.S. Members |
HCA offers its members professional liability, also known as malpractice insurance, for coaches. Proof of coverage is issued within minutes of submitting an online application.
(Highly suggested for all professional members who are meeting with clients)
Professional Liability insurance provides protection for any loss sustained because of the rendering or failure to render professional services.
Professional Liability Only: $246 USD
Optional Professional Liability with Premises Liability: $396 USD
Coverage Details:
OPTIONAL: 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).
Our professional liability policies do include some coverage for bodily injury and property damage claims in the direct space in which services are rendered while the services are being rendered under the Supplemental Liability coverage. However, you can also add comprehensive general liability coverage (also known as Premises Liability) for an additional $150 for life / health coaches, which covers bodily injury and property damage claims on the entire premises of where you are providing services while you are not rendering services. This is often called “Slip and fall” coverage / insurance.
This coverage includes $1,000,000 per occurrence/$3,000,000 aggregate limits of liability for slip n’ fall claims, $250,000 of fire/water legal liability coverage, and personal liability coverage is included in the general liability limits of liability. General liability is issued on an Occurrence basis.
*Please note: Our agents can provide portable coverage within the 50 United States. This coverage does not extend internationally (including Canada and Mexico).
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 group discounted rates. Proof of membership is required.
Please note that the HCA has the authority to suspend members who falsely claim they carry liability insurance in their registry profile while practicing or who do not provide proof of their liability insurance coverage when asked to do so.
(Highly suggested for all professional members who are meeting with clients)
Professional Liability insurance provides protection for any loss sustained because of the rendering or failure to render professional services.
Professional Liability Only: $246 USD
Optional Professional Liability with Premises Liability: $396 USD
Coverage Details:
- Zero Deductible
- Portable coverage within the 50 U.S. states
- Professional Liability on a claims-made basis
- Professional Liability Limits: $1,000,000 each occurrence/$3,000,000 aggregate
- Optional Premises Liability
- Unlimited Defense Coverage
- Deposition Expense Coverage: $5,000 per deposition/ $15,000 aggregate
- State Licensing Board Defense Coverage: $25,000 aggregate
OPTIONAL: 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).
Our professional liability policies do include some coverage for bodily injury and property damage claims in the direct space in which services are rendered while the services are being rendered under the Supplemental Liability coverage. However, you can also add comprehensive general liability coverage (also known as Premises Liability) for an additional $150 for life / health coaches, which covers bodily injury and property damage claims on the entire premises of where you are providing services while you are not rendering services. This is often called “Slip and fall” coverage / insurance.
This coverage includes $1,000,000 per occurrence/$3,000,000 aggregate limits of liability for slip n’ fall claims, $250,000 of fire/water legal liability coverage, and personal liability coverage is included in the general liability limits of liability. General liability is issued on an Occurrence basis.
*Please note: Our agents can provide portable coverage within the 50 United States. This coverage does not extend internationally (including Canada and Mexico).
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 group discounted rates. Proof of membership is required.
Please note that the HCA has the authority to suspend members who falsely claim they carry liability insurance in their registry profile while practicing or who do not provide proof of their liability insurance coverage when asked to do so.
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.
