Life coaching works one-to-one with people's goals, habits and wellbeing – closer to the therapeutic borderline than any other consulting trade, and the insurance should respect that border.
Choose your market honestly: pure coaching buys business-style PI; anything touching therapeutic modalities belongs on multi-discipline malpractice wording with every technique declared. Either way, keep session notes protected, referral boundaries documented, and qualifications matched to practice – the paperwork that keeps clients safe is the same paperwork that keeps you insured.