If you sell them, yes. That's product liability rather than professional liability.
Claims that guidance caused harm, plus scope-of-practice allegations. Clear service boundaries are your defense.
Generally, but confirm territory. Clients in other states raise both coverage and licensure questions.
Significantly. Unlicensed wellness practice is underwritten differently from licensed clinical counseling.
Professional liability is available, but scope matters. Practicing beyond your scope can void coverage.
