Yes, you need professional liability insurance if, and only if:
1. Your employer requires you to carry it. But some employers will accept your private association once they understand the concept of "assurance" instead of insurance.
2. Your associates who refer clients to you require you to carry it. But most of them will accept your private association once they understand the concept of "assurance" in stead of insurance.
3. Your landlord or creditor require you to carry insurance. Legally landlords and creditors cannot require you to prove you carry Professional Liability Insurance.
What your landlord and creditors really want is a "Certificate of Insurance" from your Business, Homeowners, Rentors or General Liability insurance company. Ask that company to send them a Certificate of Insurance. Your insurance agent will make that happen.
If your employer, associates, landlord or creditor ask you for proof of insurance, we have a retired insurance executive who volunteers to discuss insurance vs. assurance with those people if you do two things first:
Send them to http://pweaa.com/articles so they can read all about North American constitutionally formed private membership education associations. Then discuss any issues they have with them. Most of the time they agree Assurance is all you need.
But, if they still have concerns, contact us for further assistance.
4. You analyze, assay, diagnose, evaluate or examine your clients. This is illegal for all non licensed professionals in North America. Empowering your clients to do these things for themselves is legal in every sate and province in North America. Why not practice legally?
5. You advise, convince, command, counsel, guide, order, prescribe, recommend, suggest or warn your clients to do or not to do something. These activities require a license in every state and province in North America. Learning how to coach, educate, facilitate, instruct, mentor, supervise, teach, train and tutor your clients is legal in every state and province in North America. Why not practice legally?
6. You treat, cure or attempt to cure your clients of any physical, mental, emotional or psychological affliction, complaint, concern, condition, disease, disorder, illness, infirmity, sickness or symptom. While licensed professionals can legally do these things, a non licensed professional cannot. Empowering and coaching your clients to make these decisions for themselves is legal in every state and province in North America.
If you don't know where to start learning the necessary skills to change the way you think and speak, we suggest you start with Free Coach Tools and NTCW Network, the Natural Therapies Coach Workshops