ACE Health Coach Certification Practice Test

Health coaches providing training sessions in clients' homes should check with their insurance providers about coverage for training in these settings or if they need to add what type of policy?

1. General liability insurance

2. Keyman insurance

3. Umbrella insurance

4. Specific insurance rider

The correct answer is: Specific insurance rider

When health coaches operate training sessions in clients' homes, it is crucial that they verify their insurance coverage for these specific settings because standard policies may not automatically extend to non-traditional venues. Seeking a specific insurance rider is important, as this supplementary coverage is designed to address unique risks that may arise from conducting services in residential locations. A specific insurance rider allows coaches to tailor their insurance to cover potential liabilities or incidents that could occur while training clients at home, ensuring they are sufficiently protected. This approach helps mitigate risks associated with property damage, injury, or other unforeseen events that aren’t typically covered under a general liability policy. Thus, having this additional layer of protection is essential for both the coach's peace of mind and the security of their clients.