Health Coach Insurance
All-inclusive health coach liability insurance coverage for as low as $0.39/day
Now Introducing: Coverage for Health & Nutrition Experts
Massage Magazine Insurance Plus is proud to announce that we now offer all-inclusive liability insurance for health coaches, nutritionists, and dietitians by selecting 'Dietitian / Health Coach' at checkout.
Covers online sessions
Includes 1 Month of BetterHelp Online Therapy
Over 450 modalities covered in one policy
Practice in all 50 states with portable coverage
Get Health Coach Insurance Today
We work hard to make insurance as easy and comprehensive as possible. However, you must select 'Dietician / Health Coach' at checkout to ensure that you are fully protected for this particular profession.
Selecting this will cover you for everything else you see listed in the drop down and more.
See our full list of covered modalities here.
Three Health Coach Insurance Pricing Options To Choose From
When it comes to insurance, having options is always a good thing. That's why we offer three policy options that are identical in coverage, but differ in price based on your career needs. No matter which policy option you choose, you can rest assured that you are getting A+ rated coverage.
1 YEAR PRO
Cost to policyholder: $0.46/day
1 YEAR PART-TIME PRO
Cost to policyholder: $0.41/day
Pros who work less than 10 hours per week
2 YEAR PRO
Cost to policyholder: $0.39/day
Lock-in a $145/yr price for 2 years!
Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Some massage insurance policies will offer different limits based on your full-time or part-time status. This would mean that if you are a part-time massage therapist, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits so all our policies have the same limits. Full-time, part-time, or a student, all members enjoy the same great coverage. Our massage insurance program prices are based on how you will use the coverage and decide to pay.
Professional Liability Insurance: Also known as "malpractice insurance" or "errors and omissions insurance," covers claims related to professional negligence, including instances like burns from hot stones or injuries during a deep tissue massage.
General Liability Insurance: Provides protection from claims that may not directly stem from your professional services. For example, if a client simply tripped and fell on your property, this coverage would protect you from the financial fallout of the lawsuit.
Provides protection against claims related to injuries or damages caused by a product used in your treatment, such as if a client had an allergic reaction from the oil, lotion or other similar product.
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
A type of insurance that provides protection for those who rent or lease a workspace. This type of coverage offers protection against any damage that occurs to the rented or leased premises as a result of the therapist's business activities or actions of their clients.
Provides protection against identity theft and threat incidents that would put personal information at risk. Typically includes credit monitoring, dark web scans, and recovery services if your information is jeopardized.
This provides protection for vital equipment that is stolen or damaged due to theft. If your massage table is stolen, or was damaged while someone attempted theft, stolen equipment coverage will provide coverage for the cost of the replacing or repairing the item.
Do Health Coaches Need Liability Insurance?
As a health coach, it’s recommended that you protect yourself and your clients with liability insurance coverage.
Liability insurance provides protection against accidents, injuries, lawsuits, and property damages caused by you or your clients that arise during the course of your work. With health coach liability insurance, you can be confident knowing that expenses like legal fees, settlement costs, and more will be taken care of.
Coverage Includes Exclusive Membership Benefits
When you sign up for health coach insurance from Massage Magazine Insurance, you'll receive all-inclusive access to our uniquely curated membership package which includes over $1,800 in discounts to leading brands, products and software, access to NCBTMB & FSMTB-approved continuing education courses and more.
3 REASONS WHY
Over 100,000 Professionals Have Chosen Us
Massage Magazine Insurance has become the preferred choice for over 100,000 professionals in the health and wellness industry. Our policy offers the industry-recommended coverage--occurrence form coverage with individual aggregate limits--and includes coverage for a range of health and wellness careers, such as massage therapy, yoga instruction, and health coaching.
We offer occurrence form coverage
Our policy has "occurrence form coverage" which is the industry-preferred coverage type because you are guaranteed to be protected against claims that occurred while your policy was in effect, even if the claim arises after your policy has expired.
Other insurance companies offer "claims made coverage", which means your policy has to be active when a claim is made in order to be protected. If your policy lapses, they will not cover you.
We offer individual aggregate limits
Our health coach insurance policy has "individual aggregate limits", which means the $8 million in coverage listed on your policy is reserved for you alone.
Other insurance companies offer "shared aggregate limits", which means your coverage amount is shared among everyone who is insured with that company. This creates a risk of little to zero coverage being available to you if you need it.
We cover over 450 modalities & disciplines
Our liability insurance policy was designed to cover dual-practitioners in the health & wellness industry, for no additional cost.
However, there are some practices that our policy does not cover.
Click here to learn more.
1 YEAR PRO
1 YEAR PART-TIME PRO
Pros who work less than 10 hours per week
2 YEAR PRO
Lock-in a $145/yr price for 2 years!
What Our Members Have To Say
The opportunity to be insured by MMIP saved me $1,300 per year and helped make it possible to run my own Wellness Center with no liability concerns. I am so grateful to have this insurance option! My stress over insurance expense and coverage is completely gone. Thank you MMIP!
I love being a Massage Magazine Insurance Plus member because they are an expert leader in the industry of Health and Wellness. Their insurance supports all parts of my business from massage to yoga to Reiki energy balancing and even waxing!
Massage Magazine Insurance Plus gives me a very broad range of coverage for a great price. Plus MMIP's customer service team have an amazing customer service attitude. I feel totally protected in this in this new massage environment.
I was very happy when I discovered Massage Magazine Insurance and found out that I no longer need to buy separate insurance for the yoga classes I teach. Now I am covered for my yoga classes and CranioSacral therapy classes all at one low price!
Health Coach Insurance Frequently Asked Questions
What does this insurance cover?
Our health coach insurance is designed to actively protect professionals from the many different forms of risks they’ll face every day in the industry. This includes:
- General liability - covers policyholders from third party claims relating to an injury and/or property damage. This type of coverage is deliberately broad (hence, “general”) to cover the many different types of accidents that can happen. A new client tripping over your front door mat can be all it takes to suddenly be facing a general liability claim against you.
- Professional liability - covers the policyholder from claims related to malpractice, or the actual services they were performing when the injury and/or property damage occurs.
- Product liability - covers the policyholder from claims relating to a client having an adverse reaction experienced because of a product used during the session.
- Rental Damage liability - This coverage provides added protection to the space that you are practicing in for damage caused by you or one of your customers. Massage Magazine Insurance Plus is one of the few companies that includes this coverage at no extra charge.
- Stolen Equipment - This coverage designed
to protect the policyholder from equipment theft
or damage due to fire, water, etc.; covers the
cost of replacing the stolen or damaged piece of
equipment used in one’s business, but does not
cover damages due to wear and tear or misuse.
- ID Protection - This coverage that
reimburses the insured for expenses arising from
Can I file a claim after my policy expires?
With MMIP, yes you can. Some policies fall under a claims made policy but ours use the industry-preferred type which is occurrence form. Claims made policies are clear cut - you have to file a claim while the policy is still active in order to be considered. If you have a session on the last day of your policy, but a claim comes days later, you simply wouldn’t be able to file for this claim.
Occurrence form coverage takes a more realistic approach and says you can still file a claim after the policy expires as long as the claim event happened during the active term. This important distinction can mean the difference between full coverage and no coverage at all so always make sure your policy uses occurrence form.
Can I add additional insureds to my policy?
Absolutely. There are many occasions where an additional insured is needed on a policy so we make it easy to add as many additional insureds as is needed. As an example, being added as an additional insured may be required by landlords that don’t want to be held liable for something arising from the activities of their tenants.
Does health coach insurance cover slip and fall lawsuits?
Slip and fall accidents are unfortunately an all too common type of claim that can happen to anyone who opens their doors for business. General liability coverage is also called “slip and fall insurance” since this type of injury and ensuing claim event is a common category. If your client gets injured or has their property damaged while seeing you to receive services , they may decide to file suit against you to get restitution. With MMIP’s health coach insurance, you’d have all the way up to $2 million to cover both the costs of the general liability claim and any legal defense fees, if they’re necessary.
Whether I work a a hospital or a client’s home, does my policy protect me?
Your health coach insurance policy is flexible and travels with you. Whether you are providing massage services to clients in the comfort of their own homes or you are working at a local spa, you are protected.
The health coach liability policy from Massage Magazine Insurance Plus provides peace of mind and the ability to grow your career as much as you desire.
How much does health coach insurance cost?
Health coaches, nutritionists and Dieticians can get our all-encompassing insurance policy tailored just for energy work for the low annual rate of just $169.
Is liability insurance worth it?
This is a question we receive often, especially from first time professionals considering foregoing the cost of health coach insurance and just taking their chances. Our health coach insurance policy was tailored for professionals who want the security of a solid plan safeguarding their practice in the therapy they love. At just $169 per year, or around $13 per month, each policyholder gets millions of dollars worth of insurance coverage types, additional protection mechanisms built-in, and a whole suite of awesome member benefits that are available to use immediately. Compared to the price of a lawsuit which could include medical bills, rehabilitation costs, lost wages, legal fees, and more, the coverage and peace of mind that comes with securing reiki insurance is an incredible value.
What types of services does health coach insurance cover?
We know even within a specialized practice like health coaching, there are many different techniques that can be employed to be most beneficial to your client. Yet some policies only cover a limited number of core services and then charge extra or don’t cover anything outside of that. That’s why MMIP created a program that covers not only the many variations of health coaching, but hundreds of additional health, and wellness services, as well. Dietitians, nutritionists, massage therapists and more are all covered under one all-encompassing policy.
I work for someone else, why do I need my own insurance?
Employers do usually carry some insurance for their employees, but this can be a small amount of coverage and commonly they’ll have shared annual aggregates. This means that the coverage amount can be depleted by other members in the group before you get a chance to use it. To get the peace of mind knowing you’re covered no matter what, and at just $169 per year, having your own health coach insurance policy is the way to go.
Am I covered internationally by my policy?
Your Massage Magazine Insurance Plus policy does not include coverage internationally. Currently, our policy covers you throughout the 50 United States.
Daily payments are not available. The daily costs represent how much the annual rates would cost the policyholder per day.