ACE Health Coach Certification Practice Test

In the case of an injury during an exercise session, which type of insurance is most relevant for a health coach?

1. General liability insurance

2. Professional liability insurance

3. Disability insurance

4. Medical insurance

The correct answer is: Professional liability insurance

In the context of a health coach dealing with an injury during an exercise session, professional liability insurance is particularly relevant. This type of insurance covers claims that may arise from negligence, errors, or omissions in the professional services provided. For a health coach, this could include situations where a client believes they have been harmed as a result of the advice or guidance given during their sessions. It's essential for health coaches to ensure that their professional liability insurance adequately covers scenarios such as injuries that may occur due to improper advice or flawed recommendations. This type of insurance helps protect the health coach from potential legal claims and financial repercussions that could stem from such incidents. Other types of insurance mentioned, like general liability insurance, pertains more to third-party injuries on business premises rather than the professional services themselves. Disability insurance provides income protection if you are unable to work due to illness or injury, whereas medical insurance covers personal health expenses but does not provide coverage against claims made by clients concerning professional conduct. Thus, professional liability insurance is the key coverage for health coaches regarding client injuries during exercise sessions.