Business insurance for Online coaches

Teaching online courses is a great way to spread knowledge to more people. As a self-employed online course trainer or coach, whether you offer one-time classes or courses over a longer period, insurance can help to protect against certain risks in your profession. 

Tailor insurance to the requirements of your online coaching business with Hiscox and coach online with the confidence that you’re protected against unexpected costs or claims.

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Why choose Hiscox for online coaching insurance?


Flexible coverAs your coaching business evolves, so can your insurance with the help of unlimited policy changes and the ability to pay monthly.


Tailored insurance

Build an insurance policy to suit your small business. Our flexible approach means you only pay for the cover you need.


Swift processBuy online coaching insurance via our website in minutes – documents will be sent straight to your email inbox.

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Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

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Why do online coaches need insurance?

Alleged bad advice

Your confidence coaching courses are often fully booked thanks to client recommendations and your reputation. However, one student from your recent series of online classes gets in touch to say your advice on assertiveness resulted in them losing their job. They file a claim of professional negligence against your business, forcing you to launch a legal defence. Providing online coaching is usually a force of good, but professional indemnity insurance can offer welcome backup if your instruction leads to a negative outcome.

Locked out of laptop

Before conducting a one-to-one violin lesson via video call you quickly check your emails. In the blink of an eye you’re locked out of the laptop and unable to take the class. The smooth-running of technology is key to your online coaching company, so falling victim to a cyber-attack could bring your services to a standstill. Having cyber and data cover built into an insurance policy for online courses can quickly get you back to helping your student to master the bow. 

Employee accident or injury

Enquiries for your services are at an all-time high so you decide to employ another coach. Your new employee runs health and safety refresher courses with each department of a construction firm. The coach complains of postural discomfort and says their pain is due to delivering online coaching in a short space of time without the appropriate ergonomics. Should they file a claim, employers’ liability insurance can help to cover your legal and compensation expenses – a policy may also be required by law (external link).

What insurance is available for coaches?

An online coaching company could also benefit from having cover for employers’ liability if it employs anyone else to teach courses, plus public liability insurance and personal accident cover.

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Insurance for online coaching: FAQs

What insurance do I need for virtual coaching at home?

Many of the risks that could arise from virtual coaching are the same as face-to-face coaching. For instance, covers such as professional indemnity insurance and employers’ liability cover apply no matter where you work from.

However, when you operate from home, you might benefit from adding covers designed for home-based businesses to your policy.

Keep in mind that reliance on technology will heighten while you work from home – this applies not only to your classes, but also your communications. Therefore, having cyber and data insurance in place for your online coaching business can help to ensure your courses run smoothly.

Do I need proof of qualification for insurance?

No, we don’t ask to see proof of your coaching qualifications before we make it possible to tailor an insurance policy that aligns with your business requirements – you can buy insurance straight away.

However, it could be worth noting that, depending on the type of coaching you offer, a regulatory body might deem a certain qualification to be necessary.

For this reason, we would need to see relevant proof of your qualifications in the event of a claim. 

Am I covered for pre-recorded coaching sessions?

Yes, we understand that not all of the coaching you provide is live or interactive. That’s why Hiscox insurance covers your online coaching courses for pre-recorded sessions.

Whether you record classes for students unable to join live or pre-record the whole course for people to engage with at their own pace, the way you structure your business is your decision.

However, it may be prudent to carry out regular checks to ensure guidance offered in recorded material complies with up to date regulations and legislations.

Tailor your online coaching insurance with Hiscox to include relevant cover for the way you do business and protect what you’ve worked hard to build.

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