Business insurance for Life coaches

If you’re working from home, you may still require cover for your home-based business, especially if your home insurance policy doesn’t cover your valuable work equipment.

Whether you work from home or an office, your role will also consistently require you to give advice, so combined professional, treatment and public liability cover may always be relevant. Accidents are possible anywhere, too, so public liability insurance could provide a safety net in the event of trips, slips, falls or damage to property for when clients visit you.

Employers’ liability insurance might be a legal requirement (external link) for your business from the moment you take on your first recruit. For most businesses with employees in the UK this is essential, although whether you need employers’ liability cover differs depending on the business and the circumstances.

This product helps to safeguard your company if a member of staff claims they have fallen ill or become injured as a result of their work for you. Small ventures that would be unable to manage financially without cover in the event of a claim could find this insurance especially beneficial.

No, it’s not necessary to provide any details of your client base before you get cover – we understand that all small businesses have to start from somewhere. 

Should your potential liabilities change, however, it might be a good idea to add to your policy accordingly. For instance, you might need to take on staff as client numbers grow and require employers’ liability cover. Also, if your turnover increases it may be a prompt to check your levels of cover as they may need increasing to align with the expansion of your business.