In general: This will depend on your country, state, and the types of people you help. Please check the specific guidelines and requirements for you and your area.
In particular: If you have checked and you are not covered by anybody else’s general liability policy, then it is a good idea to get your own for peace of mind. You may want to review your existing insurance policies and/or ask your insurance broker for advice. You may not need a new plan.
For insurance purposes Laughter Wellness professionals are akin to fitness or yoga professionals. The cost of public liability insurance in the USA varies between $125 and $300 per year. Popular insurance companies include www.phly.com, www.alternativebalance.net, www.sportsfitness.com, IDEA Health & Fitness Association and Yoga Journal.