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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 ($319)

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 ($189)

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 ($29)

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, Participant Accident, and $20,000 Business Personal Property/Business Interruption coverage. There is no commercial property coverage. Please contact us for a referral if you need commercial property insurance.
-Sports Coaching & Recreational Fitness: Hunting, fishing, mountain biking, BMX, kayaking/canoeing, skiing/snowboarding, and motorsports are EXCLUDED.
-Permanent Cosmetics: INCLUDES microblading & tattooing.

Select your primary service

If you need to add more services, please select the Professional coverage level above to ensure you have proper coverage in the event of a claim.

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, 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. Lessor AI Endorsement, Waiver of Subrogation, and Primary Non-Contributory endorsements require an additional fee.

NOTE: Adding Additional Insureds is optional. Skip to the next section if you have no Additional Insureds to add.

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*

Fields with * are required.

Add this AI (+10)

Business Personal Property (BPP) and Business Interruption Coverage

Business Personal Property ("BPP")

Business Personal Property (commonly called BPP) means the movable items owned by your business (such as equipment, computers, supplies, furniture, etc.). The property could be located in your home office, office building, gym, studio or other location you work from. BPP also includes property owned by others that is in your possession. Common causes of loss include but are not limited to theft, fire, water damage, vandalism, and hail.
*$10,000 BPP is included free, however if you need higher coverage you can purchase that during the application process.

Business Interruption & Extra Expense ("BI/EE")
Business Interruption & Extra Expense insurance (commonly called BI/EE) provides coverage when your business shuts down temporarily due to a covered loss (e.g., theft, fire, water damage, vandalism, and hail). This helps replace your income and other business expenses like rent and payroll during times when your business is not able to operate. We recommend choosing a coverage limit that would cover 3 months of your business income and expenses.
*$10,000 BI/EE is included free however if you need higher coverage you can purchase that during the application process.

New General & Professional Liability

Annual Membership With Insurance: Customize your plan below.