The Canadian Association for Integrative Nutrition and theHealth Coach Allianceare now able to provide our members with group discounted comprehensive Errors and Omissions Insurance (E&O) and Commercial General Liability (CGL) insurance coverage in the following countries: Canada, USA, Australia, New Zealand and United Kingdom.
We have a great team of insurance specialists to assist with should you have any questions. Please click i n your region below to take you to the insurance details relevant to your area.
Coverage for American Members:
CAIN is happy to be able to provide our members with comprehensive professional liability coverage at competitive rates within the USA.
The policy offers the option of both Commercial General Liability (CGL) AND Errors and Omissions Insurance (E&O).
Why choose a CAIN 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 can include both Commercial General Liability (CGL) AND Mandatory Errors and Omissions Insurance (E&O).
Professional Liability Only: $246 USD Optional Professional Liability with Premises Liability: $396 USD
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.