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 Client Agreement

I agree to obtain a documented client agreement from each client during the intake or initial session prior to providing services. This agreement must include the following policy, disclosure and disclaimer elements:

  • A description of services to be delivered to the client
  • A brief description of your education and experience
  • Your scope of practice/boundaries (what you do and what you don't do)
  • Your payment and cancellation policies

The client’s acceptance of the agreement needs to be documented in a format that can be submitted to the insurer in the event of a claim. This documentation may be on paper, in an email, or via an online form filled out by the client that includes acknowledgement and acceptance of the agreement.

If you live in a state with safe harbor laws, or if your modality is licensed, you may have additional document requirements from your state such as a client bill of rights or informed consent. If they include the information above, and show acknowledgement by the client, they will also suffice as your client agreement.

 

Association of Professional Coaches- Code of Ethics 

1: Work within my Scope of Practice

I will use my skills and methods within the scope of my training, experience, current credentialing and/or licensing. I will accurately represent myself to the public in accordance with my credentials. If the needs of a client are beyond my abilities or scope, I will refer the client to a competent professional for care. I agree to practice within the guidelines of this Code of Ethics.

 

2: Provide Respectful Care

I pledge to treat clients with respect, courtesy, care and consideration. I respect the client’s individuality, beliefs, inherent worth, and dignity. I commit to provide a comfortable and safe environment for clients. I respect the client’s right to be involved in designing the coaching alliance, and I commit to empower clients to give feedback and alter or discontinue a session or program at any time. I encourage clients to take responsibility for their actions and choices.

I practice equality and acceptance, and work in partnership with clients to promote well-being regardless of race, creed, color, age, gender, sexual orientation, politics, social status, spiritual practice or health condition. The client’s inner process, spiritual practices and pacing of coaching are respected and supported.

 

3: Commit to Accurate Disclosure and Education

I will inform the client of my educational and experiential background in any related credentials that I hold on an individualized basis, and consider the client’s expressed needs and personal situations. I will also provide an explanation of the coaching process, and clearly and accurately inform the client of the nature and terms of the service before beginning any coaching.

 

4: Commit to Obtaining Informed Consent

I recognize the client's right to determine what happens in the coaching alliance. I will fully inform clients of choices relating to the coaching container and process and disclose policies and any information that may affect their experience to assist clients in making informed decisions. I will not provide service without obtaining the client's signed informed consent (or that of the guardian or advocate for the client).

 

5: Protect Confidentiality

I affirm that I will protect client confidentiality at all times, will keep all client records in a secure and private place in accordance with state and federal regulations, and will only disclose information with the client’s written consent, within the limits of the law. I will document client information and treatment findings appropriately according to my training and the setting. Information will be shared only with client’s written permission.

 

6: Maintain Legal Compliance

  I agree that I am responsible to understand and comply with local, state/province and federal laws and regulations where I practice. I understand that I am expected to understand any legal restrictions or requirements with regard to any professional credential or license that I hold and to work within my scope of practice and to comply accordingly. I will maintain the appropriate business licenses according to my local and state/province requirements.

 

7: Commit to Professionalism

I commit to maintain high standards of professionalism and integrity, and to serve the best interests of clients at all times. I will maintain and respect professional boundaries with clients at all times. I pledge to respect colleagues in my area of specialty and other areas of specialty and to model professional courtesy in my behavior and business practices. I will not provide services that create conflicts of interest or where conflicts of interest may likely become an issue. I will promote the Coaching profession by committing to continuously improve my skills through education and practice.  

 

Policy Exclusions /Limitations

 

  • Licensed professional services by an attorney, architect, engineer, accountant, real estate or investment manager, physician, dentist, anesthesiologist, nurse midwife, x-ray therapist, radiologist, psychiatrist, psychologist, LCSW, counselor, therapists, chiropodist, chiropractor, physical therapist, optometrist, dietitian. Practitioners licensed in one or more of these areas would be covered for their Energy Medicine practice but would not be covered for licensed activities under this policy. Massage therapy, acupuncture and hypnotherapy are covered licensed activities provided they are within the scope of the policy and do not include any other excluded activities.
  • Financial or legal advice
  • Businesses are not covered by this policy except as separate entities for liability arising directly from the covered activities of the insured individual.
  • Any practices that are invasive in nature, that diagnose, prescribe drugs, or make curative claims.
  • Esthetics services, chemical skin enhancement, ear candling
  • Laser Treatment. This exclusion does not apply to any treatments using laser pointer.
  • Liability for the function or malfunction of an electronic or electro-mechanical device designed to affect treatment is the responsibility of the manufacturer or seller of that device.
  • Infrared Saunas, Steam rooms, sweat lodges and steam therapy
  • Sexual services or work involving unclothed clients, including sex surrogacy, surrogate partner therapy, sex coaching is not eligible for coverage. Licensed activities with appropriate draping for unclothed clients are an exception.
  • The sale of products you manufacture, or which are sold under your brand or label
  • Aerial yoga and/or the use of any aerial equipment including but not limited to the use of trapeze, silks, or trampoline.
  • Any professional or elite athletic coaching, combat training, martial arts or high-risk physical activity.
  • Breach of confidentiality over the internet is excluded from this policy. Cyber liability is available through an enhanced membership package.
  • Non-therapeutic activities such as psychic readings and fortune telling are not covered.
  • Ministerial duties beyond spiritual counseling, including wedding ceremonies.
  • Any session or service that uses, incorporates or is provided in connection with controlled substances including psychedelics, cannabis (including CBD), ketamine or any others as defined by US law.
  • Enclosed flotation with sensory deprivation
  • The mass production and distribution of products, including hard copy of recorded sessions or education, is excluded.  Recorded services or education coverage only applies to the presented information related to your covered profession.

Revised: April 2026 APC

Terms and Conditions of Insurance

I hereby state that I have no knowledge of any incident, pending claims, suits, or other ethics violations nor have any been filed against me in the past pertaining to my practice as a practitioner, that no certifications or licenses have been revoked, and that I have never been arrested for or been charged with any sexual violation.

I understand that this application is subject to approval with no automatic inclusion in the program. My digital signature shall verify that I have completed this application accurately and honestly and that I agree to provide proof of training should I be asked to provide it in the event of a claim.

I understand that if my application is approved, the premium/fees paid by me are nonrefundable, nontransferable and will not be prorated. This application is for liability coverage which is in force for one year from the date of approval. Denied applications will be refunded less any associated fees resulting from the method of payment (i.e. credit card charges).

I understand and agree to pay a fee or $35 or 10% of the cost of the transaction, whichever is greater, for returned checks or for credit card payments that are either disputed or refunded by a third party.

I understand that I am responsible to verify that the coverage is appropriate to my training and professional activity, and that activities outside the scope of coverage of the policy are not covered. Specific coverages and exclusions are determined by the policy and the list of exclusions and limitations. I understand that a complete copy of the insurance policy is available on the member portal.

I acknowledge that APC defines Business coaching as an educational activity where the coach provides information and techniques to enhance and improve business function and performance but does not provide specific business direction or legal or financial advice. I understand offering licensed professional business advice is not covered.

I acknowledge that APC defines Life/ Health/ Relationship coaching as an educational activity where the coach provides information and techniques to enhance and improve the life, health or general wellbeing of the client but does not provide prescriptions, diagnosis or offer medical advice or treatment. I understand offering licensed professional counseling or health advice is not covered.

Energy Medicine activities are the evaluation and manipulation of the human energy field, using the client's or practitioner's energy field to effect a change in the client’s energy field and overall mental emotional physical or spiritual health. I understand that activities outside the scope of providing energy medicine treatments are not covered except as described in the policy. Representation of activities that are outside of this scope as Energy Medicine modalities or methods constitutes fraud and will void the insurance.

I understand that any false statement made on this application or subsequent renewals shall void this application and render my insurance coverage null and void.

I understand that equipment used in the evaluation or treatment of the human energy field is not covered for liability arising from the function or malfunction of such equipment.

I understand and agree to follow the APC Code of Ethics and understand that activities outside the APC Code of Ethics may void coverage.

I understand that the comprehensive coverage provided by APC covers liabilities that result from my actions as an individual professional practitioner and associated general liability.

I understand that businesses are not covered by this policy except as a separate entity for liabilities arising directly from the covered activities of my professional practice. 

Revised: April 2026