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Coverage

All coverage levels, except the employer level, are designed to cover the work of one individual service provider (with or without a company/DBA name). Other professionals needing coverage must have their own separate policy.

Trade School Student Level: Must be currently enrolled in a school for the insured services and not getting paid for those services.
Per Diem Level: Working 10 or less hours per week for all services combined.
Professional Level: Working more than 10 hours per week for all services combined.
Employer Level: For the owner of a company with W-2 employees also needing coverage. Each employee that needs coverage must be added as an employee on this policy. 1099 contactors do NOT count as employees and would need their own policy.

LIMITS OF INSURANCE INCLUDED:
Liability:

General (Occurrence) and Professional (Claims Made) Aggregate Limit: $3,000,000

Products/Completed Operations Aggregate Limit: $2,000,000

Personal and Advertising Injury Limit : INCLUDED

General and Professional Each Occurrence Limit: $2,000,000

Damage to Premises Rented to You Limit: $300,000 Any One Premises

Medical Expense Limit: $5,000 Any One Person
Participant Accident:
Accidental Death, Dismemberment & Paralysis: $1 Million Aggregate/ $5,000 Per Accident
Accidental Medical Expense Limit: $25,000 Per Accident
Deductible: $500 Per Covered Injury
Accidental Dental: $100 Per Tooth/ $500 Max
Benefit Period: 52 Weeks from Date of Accident

Please specify your preferences from these options.

Employer ($299)

Professional ($269)

Per Diem (avg. 10 hrs. or less a week for all services combined) ($239)

Trade School Student Only ($189)

Protection Packages

**NOTE: Protection Packages are endorsements to the general & professional liability -- they cannot be purchased on their own.

Cyber Liability: **Recommended for all online service providers. Cyber liability protection may cover a business for a data breach in which the business customers' personal information, such as social security or credit card numbers, address, phone number, or any other personally identifiable information, is exposed or stolen by a hacker or other criminal who has gained access to the business electronic network.
Sexual Abuse Liability: **Recommended for all touch therapies. Sexual abuse protection may cover abuse that includes physical abuse, such as sexual or other bodily harm and non-physical abuse, such as verbal, emotional or mental abuse as well as any actual, threatened or alleged act.

Optional add-ons.

Cyber Liability ($149)

Sexual Abuse Liability ($149)

Confirmation Option

Email confirmation is automatic! Your e-mail confirmation will be sent upon completion of application and payment. If you do not receive the e-mail or cannot find it, please check your junk, spam, or bulk e-mail folders. Once active you will always be able to login to your account center to view/edit and print your certificate.
If you choose U.S. Mail, please allow up to 14 business days for your "USPS mailed" package.

Confirmation option

Email (Free)

Email & U.S. Mail ($25)

Primary Service

Select your main, primary service. This is used for underwriting purposes.

NOTE:
-Cupping and Sauna services must be integrated with another therapy, such as massage, esthetics, salon services, etc.
-Gym Owner: Includes General & Professional Liability coverage only. There is no personal property, commercial property, or equipment coverage. Please contact us for a referral if you need those coverages.
-Sports Coaching & Recreational Fitness: Forestry Guides and Forest Walk Services are included in the service, but hunting, fishing, mountain biking, BMX, kayaking/canoeing, skiing/snowboarding, and motorsports are EXCLUDED.
-Permanent Cosmetics: INCLUDES microblading & tattooing.

Select your primary serviceSelect additional services (if applicable)

Add another service

Employees

This includes employees, business partners, and business owners of the named business who are also performing covered services.

NOTE: This is only for W2 employees, NOT 1099 independent contractors. Skip to the next section if you have no employees to add at this time.

Employee First Name*

Employee Last Name*

Employee Email

Employee Address 1*

Employee Address 2

Employee City*

Employee State*

Employee Zip Code*

Employee Phone Number*

Employee Job Title*

Fields with * are required.

Add this Employee (+$99)

Additional Insured

Additional Insured ("AI") means one or more individuals (other than the individual named in an insurance policy) who are also protected under the terms of the same policy for incidents resulting from the Named Insured's work. An AI certificate is for a business (other than your own), landlord, employer, trade show, event, city/town/state or organization that wants to be listed on your policy. It is not for other professional providers, employees, business partners, or other owners of your own covered business. Often, your landlord, place of work or trade show require that they be listed on your Certificate of Insurance as an Additional Benefit Holder specifically for your work. There is a $10 charge for each additional insured.

NOTE: Adding Additional Insureds is optional. Skip to the next section if you have no Additional Insureds to add. Additional insureds do not carry over from the previous year. You must add them each year.

Additional Insured Name*

Additional Insured Email If email is not provided no certificate will be sent. You will be responsible for providing the certificate to the additional insured.

Address*

Address 2

City*

State*

Zip*

Additional Insured Phone Number*

Relationship to you*