New Quote | Alternative Balance

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 average.
Professional Level: Working more than 10 hours per week average.
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
Business Personal Property & Business Interruption:
Business Personal Property (BPP): $10,000 included
Business Interruption (BI): $10,000 included
Higher limits available up to $325,000 for some services

Membership includes:

Professional & General Liability insurance ($3mil aggregate/$2mil per occurrence) - for when you're deemed liable.
Business Personal Property & Business Interruption coverage ($20k included, or upgrade below) - for your stuff.
Participant Accident ($1mil aggregate/$5k per accident) - extra no-fault coverage.
Plus educational resources, discounts on business tools, templates & waivers to use in your practice, & so many more free member benefits!

Choose your membership level:
(Click info icon above for help choosing level.)

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.

Add-ons. (optional)

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.

Policy Documents 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: EXCLUDES hunting, fishing, mountain biking, BMX, kayaking/canoeing, skiing/snowboarding, and motorsports.
-Permanent Cosmetics: INCLUDES microblading & tattooing. You do not need to add tattooing separately.

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.

Add An 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.

Add An 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.

You automatically get $20,000 in Business Personal Property & Business Interruption ("BPP/BI") coverage FREE! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost. If you need more coverage than this, please select here.
**NOTE: What you choose for a BPP limit here will be the coverage limits for this policy period. This limit cannot be increased again until you renew. Please select the highest amount you think you will need for the next 12 months now.

New General & Professional Liability

Annual Membership With Insurance: Customize your plan below.