Annual Membership With Insurance

Customize your plan below

Professional Membership Base Plan ($269)

This program is designed to cover the work of individual service providers (with or without a company/DBA name). Other professionals needing coverage must have their own separate policy.

LIMITS OF INSURANCE INCLUDED:
Liability:
General (Occurrence) and Professional (Claims Made) Aggregate Limit: $4,000,000
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 Per Person
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

Your AB membership automatically includes all of the following:

Professional & General Liability Insurance: $2mil Per Occurrence / $4mil Aggregate (for when you're deemed liable)

Business Personal Property (BPP) & Business Interruption (BI) Coverage: $10,000 BPP / $10,000 BI (covers your business equipment & income)

Participant Accident Insurance: $25k fo Medical Expenses / $1mil Aggregate Accidental Death (additional no-fault coverage)

PLUS! Educational resources, discounts on business tools, templates & waivers to use in your practice, and so many more member benefits!

Select Primary Service

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

NOTE:
-Motorized paddle boards are excluded.
-Cupping and Sauna services must be integrated with another therapy, such as massage, esthetics, salon services, etc.
-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.
Remove service
Add another service

Upgrade Business Personal Property (BPP) & 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, higher coverage amounts can be purchased 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 affecting your business property. This coverage helps replace your income and other business expenses, like rent and payroll, during times when your business is not able to operate. Your selected coverage amount should cover about 3 months of your business income and expenses.
*$10,000 BPP is included free! However, higher coverage amounts can be purchased during the application process.
Do you need more than the included $10,000 Business Personal Property (BPP) / $10,000 Business Interruption (BI) coverage?

Select your total coverage amount:

Add Protection Packages

**NOTE: Protection Packages are endorsements to the general & professional liability -- they cannot be purchased on their own.
  • CyberShield: **Recommended for all online service providers. Protect your business from the high costs of a data breach. CyberShield helps cover unexpected expenses—up to $100,000 per incident—so you can focus on recovery, not stress.
      What’s Covered: Client Notification Costs (mail, email, proof of delivery), Legal, PR & Crisis Management services, IT Security Consulting to prevent future breaches, Forensic Cyber Analysis to assess the damage.
      Why It Matters: Data breaches can expose sensitive client information (like emails, addresses, health records, or payment info). Responding properly isn’t just smart—it’s often legally required. 
    Coverage is provided on a reimbursement basis. This endorsement does not pay for lawsuit defense costs or liability judgments in the event of a cyber incident lawsuit.
  • Sexual Abuse Liability: **Recommended for all touch therapies. Sexual abuse & molestation protection is designed to cover legal costs arising from lawsuits for actual, threatened or alleged acts of abuse, including physical abuse, such as sexual or other bodily harm, and non-physical abuse, such as verbal, emotional or mental abuse.
Add-on coverages for additional protection. (optional)

Choose 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.

Add Additional Insureds

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.
Blanket 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)

Add Employees

This includes employees, business partners, and business owners of the named business who are also performing covered services. 
**NOTICE: By adding an employee you agree and attest that this is a W-2 employee (NOT a 1099 independent contractor). Skip to the next section if you have no employees to add at this time.
Add An Employee (+99)

Create Your Account

Why do we ask you to create an account?

Your account center provides you with many benefits including:

  • Save your progress when applying for membership
  • 24/7 access to your membership documents
  • Exclusive members-only benefits
  • Easy renewals
  • Increased privacy protections
  • And access to future membership perks

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ANNUAL TOTAL COST: $0