Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Liability for life coaches
Life coaching does not only take place in a consulting room: walking sessions, retreats, breathwork and bodywork bring a risk you can point to physically.
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- 9.5 customer rating for a new policy
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
That is why you need cover on two sides. If a participant falls during a walking session or someone becomes unwell during a breathing exercise, that is an injury claim and a court will judge your conduct by Article 6:162 of the Dutch Civil Code: should you have foreseen this and should you have prevented it. If something goes wrong financially because your advice worked out badly, that is pure financial loss and it is a different cover.
Your policy states a described business activity. Coaching on personal goals falls within it. Diet plans, advice on supplements and trauma-focused techniques usually do not, because those are regarded as treatment. If your practice is broader than your policy describes, the cover is weakest at precisely that point.
What is never included: fines from the Autoriteit Persoonsgegevens (the Dutch data protection authority), deliberate acts under Article 7:952 of the Dutch Civil Code, disappointment at a goal not achieved, and work outside your declared area of operation. For the business version, see liability for coaches.
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We compare your personal liability insurance (AVP) across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does liability cover for life coaches?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Nature of the sessions. Conversations only weigh less than walking coaching, breathwork, retreats or group exercises.
- Location. Your own practice room, a hired hall, the client's home or outdoors each give a different risk picture.
- Group work. More participants at once means less direct supervision and a greater chance of injury.
- Working area. Retreats abroad are not automatically covered and must be declared separately.
- Turnover and number of clients. The usual rating basis. It says something about how often you are exposed to the risk.
- Type of cover chosen. Injury and property damage only, or financial loss and a data breach module as well.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Anything physical you have people do is an injury risk
An ice bath, a breathing session, a walk over uneven ground, an exercise where someone has their eyes closed: those are the moments when a programme leads to injury. Ask about medical issues in advance, give instructions and record that you did so. If you hire a venue, you have it in your care and damage to the room itself is excluded on the standard policy. Arrange that separately if you hire regularly.
Outside your capacity is outside your cover
The policy states what you are insured for. If you add dietary advice, supplements, body-oriented trauma techniques or a form of therapy, your work shifts towards healthcare and falls outside the description. That is not only a question of cover: you also enter a legal framework that is not designed for coaches. Report any extension of what you offer before you start it, not when the first complaint comes.
A disappointing programme is not the same as liability
Coaching is an obligation to use best efforts: you undertake to work carefully, not that a goal will be reached. Someone who did not find a job or did not save a relationship does not have a claim on that basis alone. That changes when your website or quotation promises a result. It then becomes an obligation to achieve a result and failure is culpable. Check your texts for that and describe in the contract what you do and do not undertake.
Your notes contain sensitive data
Notes about relationships, health, bereavement or financial worries fall under the GDPR and sometimes under its most sensitive category. If they get out, nothing is damaged and nobody is injured, but there is a loss: that is financial loss and sometimes a cyber risk, not a liability claim in the ordinary sense. A regulator's fine is also not insurable. Keep notes encrypted and no longer than necessary.
Frequently asked questions
This is what people ask us most.
Is an ice bath or breathing session covered?
Not automatically. Many policies assume conversations and do not mention physical exercises, or exclude them as a hazardous activity. State exactly what you do when you apply. That is the duty of disclosure under Article 7:928 of the Dutch Civil Code. If you add such an element later, report it during the policy term. If it turns out not to have been reported when a claim arises, the payment can be reduced or refused.
Am I liable if a client does not reach their goal?
In principle not. Coaching is an obligation to use best efforts. You are bound to work carefully, not to deliver an outcome. That changes if you promised a result in your quotation, on your website or in an advertisement. Word those carefully and set out in your contract what the client may and may not expect.
Do my session notes fall under the GDPR?
Yes, and often in the most sensitive category, because they contain information about health or personal circumstances. A data breach does not produce property damage or injury but financial loss, and separate cover or a cyber module is needed for that. A fine from the Autoriteit Persoonsgegevens is not insurable. Limit what you record, encrypt it and clear out old files.
I also run retreats abroad. Is that covered?
Only if your area of operation allows it. Many policies cover only activities in the Netherlands as standard, sometimes in Europe. A retreat elsewhere then falls outside that, even if the participants are Dutch. Declare the destination area in advance and ask for written confirmation. Also settle who is responsible for the venue and for local transport.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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- Liability for legal professionalsTime limits, advice, run-off
- Liability for estate agentsDuty of disclosure, valuation, disciplinary proceedings
- Liability for coachesThe boundary with healthcare, referral, confidentiality
- Liability for remedial teachersDiagnosis, boundaries, referral
- Liability for guidesGroups, terrain, instructions
- Liability for genealogistsResearch, inheritance law, personal data
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.