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Coaches Indemnity and Product Liability insurance


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Tailored insurance designed for Coaches

Coaches insurance includes both Professional Indemnity and Public Liability in one policy. 

Why do Coaches need Professional Indemnity insurance?

As a Coach, you could be helping clients with coping techniques, advising them in their career, or being a mentor to help with life goals. Whatever the case may be, your clients listen to you and take on your advice. Most of the time, your clients can lead more positive lives, but someone could misinterpret your advice, causing problems in their life and seek to hold you accountable.

Coaches Indemnity insurance is designed to protect you if something goes wrong while you’re with a client, it includes cover against a wide range of risks like claims of professional negligence.2

Why do Coaches need Public Liability insurance?

As a Coach, you may travel to different areas to see your clients, or you may operate from business premises. If someone enters your premises and falls over for whatever reason, they could claim it was because of your business and seek to hold you legally liable for injury as well as damage to their property.

Coaches Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises.2

Coaches insurance cover benefits:

Complimentary Legal Advice
2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that’s included in this policy.2
Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate.2
Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that to suits you: $1 million, $2 million, $5 million, $10 million or $20 million.2
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2
 
Subject to eligibility criteria.
No excess
No excess for certain claims against the Professional Indemnity or Product Liability section2
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating.2

Better for Coaches in 3 simple ways

Frequently Asked Questions

What does Coaches insurance cover?
Professional Indemnity covers2:
 
Claims made against you during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
 
Public and Products Liability covers legal liability for2:
 
Third-party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.4
The sale or supply of a product that causes bodily injury or property damage.
How much is Coaching insurance?

We arrange insurance designed for Coaches at competitive prices. Our prices start as low as $211.20.5

What level of complimentary legal advice can I receive?

A total of 2 hours of complimentary legal advice is offered when you hold a Professional Indemnity policy arranged through Aon. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

Can I be covered to provide coaching services without qualifications?

Provided you can declare that you hold an appropriate level of education/ knowledge/ training or transferable skills to be able to provide the service as would be deemed acceptable. We may need to discuss your qualifications with the Insurer prior to approval.

  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. Subject to the full terms, conditions and limits of the policy. Please review the full policy wording for more information.
  3. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.
  4. Cover is not provided in respect of activities in the United States of America or Canada and their territories.
  5. Insured being qualified/registered as required, and when applicable - member of relevant association, also takes into account eligibility/referral/underwriting questions and category of cover selected including professional indemnity limit of liability of $1,000,000, and a public liability limit of liability of $20,000,000. Excluding optional extensions. Government charges will differ from state to state and affect the premium payable.

Professional Indemnity, Product Liability and Public Liability Insurance for Coaches is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

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