FAQ_category: (HIDDEN) Industry FAQs

Yes! With the right coverage: 

• Professional Liability typically extends to telehealth, covering claims related to remote counseling sessions. 

• Cyber Liability protects against breaches of electronic health records or unauthorized data disclosure. 

• License Defense Coverage (sometimes part of professional liability) may help with legal fees tied to board complaints or disciplinary actions. 

As telehealth becomes more common, insurers are adapting policies to address evolving risks. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Therapists face both clinical and business risks. Core coverages include: 

• Professional Liability (E&O) – Protects you if a client claims your advice, treatment, or care caused harm. 

• General Liability – Covers accidents like slips and falls in your office. 

• Commercial Property Insurance – Protects your office space, furniture, and therapy equipment from fire, theft, or vandalism. 

• Workers’ Compensation – Required in most states if you employ staff; covers job-related injuries. 

• Cyber Liability – Important for therapists using telehealth or digital records, covering costs of data breaches or client confidentiality exposure. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Your life coach insurance typically safeguards: 

• Errors or omissions—claims that your guidance caused harm. 

• Accidents during in-person sessions, such as slips or property damage. 

• Privacy breaches, including lost client data or cyber-attacks. 

• Legal defense fees tied to complaints, billing issues, or contract disputes. 

Recovery of equipment or materials used in your coaching practice.