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If your client is injured by tripping over your bag, they can bring a lawsuit against you. General liability can cover both the lawsuit and the medical expenses.
If a client realizes in a session with you that they do not like their job and later tells their boss, which results in their being fired, your client can bring a lawsuit against you. Professional liability can cover both the legal fees and potential damages of the claim.
If the property used for your business is damaged in a fire or stolen, you can be covered for its replacement.
If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing. Cyber liability can cover the costs and guide you through the process.
Know your limitations - It is important to remember that life coaching is not therapy. If a client is in need of treatment from a licensed therapist but does not pursue it due to their work with a life coach, a suit could arise. The focus of coaching sessions should be on helping your clients set and achieve personal and professional goals for the future. If the need arises, refer your client to a licensed specialist.
Draw appropriate boundaries - Ultimately, your clients are responsible for themselves. Avoid pressuring your clients into making decisions or implementing practices they are not comfortable with. Claims have resulted from clients who were pressured by their coach to quit their job, only to have them realize that they made a wrong decision. As a life coach, it is in your best interest to provide support, advice and encouragement.
Manage the expectations of your clients - In your first session with a client, it is valuable to clarify your role as a life coach. A client may not fully understand the services you provide, which can lead to misunderstandings as your working relationship with the client progresses.
Maintain confidentiality - Though life coaches are not subject to the same confidentiality laws as therapists or medical professionals, it is important to treat the information from your clients as confidential. Your clients assume that you are a trusted professional and expect their privacy.
I am pleased to take this opportunity to relate my experience with World Insurance Associates. After being referred to the company by a trusted friend; I had the pleasure of working with a very positive and responsive staff. My agent, Nilda Rodriguez, was especially helpful in getting me the best deal. As a result, I am more than satisfied with the insurance package I received. I highly recommend doing business with World Insurance.
Janet Ferrugio is the best insurance agent that I have ever dealt with. Janet is a very pleasant and intelligent employee who gave me all the information I could possibly need to choose my insurance policy and I truly enjoy dealing with her.
Excellent service and always helpful! I have used and continue to use World Insurance for all my insurance needs. They are customer oriented and always there to service you whenever you have a question or just need direction. Pricing is very competitive. Highly recommended!
I have known and worked with Mike Coughlin at Amato Agency [now a division of World Insurance Associates] for many years. Mike and Amato Agency have provided high quality insurance coverage and helped me and my business whenever I needed it. I highly recommend them to anyone at any time.
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