Welcome AHPA Members!

Alternative Balance and AHPA have partnered together to bring you an Alternative Balance Membership, support for your insurance questions, and a broad community of active collaboration. Every AB membership comes with General and Professional Liability Insurance, Business Personal Property, Business Interruption and Accident Insurance that follows you both in-person and online anywhere in the U.S. For those who also work globally, Alternative Balance insurance covers you. We also support you with promotion and business resources to help your business grow, and events and connections with 13K like-minded individuals.
Join us through the link below!

We have you covered no matter where you practice, including online, live or pre-recorded, internationally and in-person!
Your insurance will follow you!

  • Top-tier industry coverage at $3mil aggregate/$2mil per occurrence.
  • Instant coverage once you sign up! 24/7 account access to your member portal to access your policy at any time.
  • One policy covers over 750 services! If you are an energy worker who is also a Doula and NRT practitioner as well as a yoga teacher, herbalist, nutritionist, health coach, yoga teacher, and/or personal trainer, you will be covered under one policy!
  • We want to be your small business partner. We offer tons of member benefits including free waivers, templates, business learning webinars, discounts on products and services to help you run and grow your business.
  • Collaborate with 13K other members! Join networking events, host a webinar, and offer other members a discount on your services/classes to promote your brand.
  • Family owned and over 25 years in business, located in the heart of New Hampshire.
  • PER DIEM
  • $239/yr
    per year
  • Working less than 10 hours per week for all services combined.
  • PROFESSIONAL
  • $269/yr
    per year
  • Working more than 10 hours per week.
  • EMPLOYER
  • $319/yr
    per year
  • Each Employee: +$99

What's Included?

Liability Insurance

(Malpractice and slip & fall coverage)

  •  General & Professional Liability

    $3 Million Aggregate / $2 Million Each Occurrence
    General Liability is Occurrence; Professional Liability is Claims Made
  •  Products-Completed Operations Aggregate 

    $2 Million Aggregate
  •  Damage to Premises Rented to You 

    $300,000
  •  Personal & Advertising Injury and Defense Costs

    Included
  •  Medical Expenses

    $5,000

Plus FREE:

Business Personal Property & Business Interruption Insurance

(Covers items your business owns, your income and expenses)

  •  Total Insurable Value (TIV)

    $20,000
  •  Business Personal Property (BPP)

    $10,000
  •  Business Interruption & Extra Expense (BI/EE)

    $10,000
  •  Deductible

    $500
  • Coverage listed above is included free. Higher coverage available to purchase on application

    Up to $325,000 TIV available

Coverage available for policies effective 7/10/2023 forward. 

Plus FREE:

Accident Insurance

(No-fault coverage for injuries or accidents that occur in your facility)

  •  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

IT'S EASY TO GET STARTED!

Fill out the application.

Review & Pay

02

Double-check your information, then submit your payment.

Start Practicing!

03

That's it! You will have instant access to your insurance documents & the Members Only areas.

Exclusive Access To Member Benefits

Members only access to our Business Speaker Series!
We books top hosts each month to teach the business topics that matter most to our members. 

Promote and Grow your Business

Members can attend or host a webinar! We will promote it for you, complete with promos you can send out to your community!

AB is booking top hosts each month to teach the business topics that matter most to our members.

Log in to Register

Offer your services to our 13K members! Visit the discounts page once you login to the member area.

Collaborate with over 12K wellness and healers.

We're looking to feature our members and their work! If you want to show off your yoga class, eyelash skills, personal training, etc., then send in photos featuring you and we will tag your business and credit the image to you when we share it on our website or social media channels.

Add your article to our blog, complete with a link to your site.

Download industry specific waivers and templates from your member only area after you log in!

The power of 13K members brings you not only great liability insurance, collaboration and promotion, but discounts as well! As an AB member you will have access to discounts on tools to help your business, health insurance, car insurance, wellness discounts, legal discounts and more!

Family and Woman Owned

Alternative Balance is a family and woman owned business, started 25 years ago.

Our Mission

Our mission is to provide quality, ethically sourced resources to protect and help grow businesses in the alternative health, wellness and beauty industries.

5 Star Support

Our members love our customer service team: Dawn, Kelsey, Kristine and Monica! Join us today and find out why!

Featured Members

#ABFeaturedMember of the day is Ekaterina Bouyear! (AB member since 2020) @lepota_astrology -  is a Soul Realignment™ Practitioner, and Vedic Astrologer whose mission is to empower women to step into their truth and tap into their infinite potential for their greatest good.  Learn more at https://www.ekaterinabouyear.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #vedicastrologer #vedicastrology🌞🌙🌎☀️🙌 #moonsigns #moonsigncancer #moonastrology

#ABFeaturedMember of the day is Ekaterina Bouyear! (AB member since 2020) @lepota_astrology - is a Soul Realignment™ Practitioner, and Vedic Astrologer whose mission is to empower women to step into their truth and tap into their infinite potential for their greatest good. Learn more at https://www.ekaterinabouyear.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #vedicastrologer #vedicastrology🌞🌙🌎☀️🙌 #moonsigns #moonsigncancer #moonastrology
...

2 0
#ABFeaturedMember of the day is Lucia Hawley! (AB member since 2017) @luciahawley_ is a women's weight loss and healthy living expert in Portland, Oregon. She helps women virtually across the world ages 30 and older end yo-yo dieting and weight loss resistance with the principles of mindfulness and self-compassion and scientifically-backed nutrition and fitness science in order to grow their muscles, improve their metabolic age, and eat with gusto. She is the host of the Mindfulness-Based Weight Loss Podcast, with over 250 episodes of free coaching and client success stories. Learn more at https://www.luciahawley.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #LuciaHawley #WomensWellnessHelp #HealthyLifestyle

#ABFeaturedMember of the day is Lucia Hawley! (AB member since 2017) @luciahawley_ is a women`s weight loss and healthy living expert in Portland, Oregon. She helps women virtually across the world ages 30 and older end yo-yo dieting and weight loss resistance with the principles of mindfulness and self-compassion and scientifically-backed nutrition and fitness science in order to grow their muscles, improve their metabolic age, and eat with gusto. She is the host of the Mindfulness-Based Weight Loss Podcast, with over 250 episodes of free coaching and client success stories. Learn more at https://www.luciahawley.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #LuciaHawley #WomensWellnessHelp #HealthyLifestyle
...

5 0
#ABFeaturedMember of the day is Olga Vladimirovna Gonzalez! (AB member since 2012) Olga's Beauty Spa Salon “My clients have been going to my salon for over 16 years and they always refer their friends for the best salon experience.” Learn more at https://www.beautyspa.salon/ 

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance

#ABFeaturedMember of the day is Olga Vladimirovna Gonzalez! (AB member since 2012) Olga`s Beauty Spa Salon “My clients have been going to my salon for over 16 years and they always refer their friends for the best salon experience.” Learn more at https://www.beautyspa.salon/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance
...

0 0
#ABFeaturedMember of the day is Thea Banjac! (AB member since 2021) @vezawellness an integrative health coach. “ I help determined women who are dealing with frustrating autoimmune conditions to rebalance their bodies and take back control of their health so they can finally live without their debilitating symptoms.” Learn more at https://www.vezawellness.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #AutoimmuneDisease #Autoimmunity #VezaWellness #NaturalHealthcare

#ABFeaturedMember of the day is Thea Banjac! (AB member since 2021) @vezawellness an integrative health coach. “ I help determined women who are dealing with frustrating autoimmune conditions to rebalance their bodies and take back control of their health so they can finally live without their debilitating symptoms.” Learn more at https://www.vezawellness.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #AutoimmuneDisease #Autoimmunity #VezaWellness #NaturalHealthcare
...

8 0
#ABFeaturedMember of the day is Phyllis Look! (AB member since 2018) @forestbathing.hi has been recognized in The New York Times, National Geographic, and Forbes, and designated one of the top green travel experiences in the world by TreeHugger. “We offer slow, guided walks in stunning natural environments to support a restored sense of connection to the land, to others, and to oneself.” Learn more at https://www.forestbathinghi.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #ForestBathing #ForestTherapy #ANFT

#ABFeaturedMember of the day is Phyllis Look! (AB member since 2018) @forestbathing.hi has been recognized in The New York Times, National Geographic, and Forbes, and designated one of the top green travel experiences in the world by TreeHugger. “We offer slow, guided walks in stunning natural environments to support a restored sense of connection to the land, to others, and to oneself.” Learn more at https://www.forestbathinghi.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #ForestBathing #ForestTherapy #ANFT
...

5 2
#ABFeaturedMember of the day is Erin Blatchford! (AB member since 2022) @ruti.life is a holistic wellness company helping people heal using bioenergetic testing! “We use this tool to provide a personalized, bio-individual path to healing using all-natural remedies including herbal, homeopathic, and nutritional supplements. Our goal is to help people get to the root of their stubborn or chronic symptoms and ultimately to achieve balance within body, mind, and soul.” Learn more at https://ruti.life/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HolisticHealth #HolisticHealing #bioenergetics

#ABFeaturedMember of the day is Erin Blatchford! (AB member since 2022) @ruti.life is a holistic wellness company helping people heal using bioenergetic testing! “We use this tool to provide a personalized, bio-individual path to healing using all-natural remedies including herbal, homeopathic, and nutritional supplements. Our goal is to help people get to the root of their stubborn or chronic symptoms and ultimately to achieve balance within body, mind, and soul.” Learn more at https://ruti.life/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HolisticHealth #HolisticHealing #bioenergetics
...

5 2
#ABFeaturedMember of the day is Jaclyn Daley! (AB member since 2021) @counterculturewellness is a Holistic Nutritional Therapy Practitioner and an Autoimmune Protocol Coach. “I support those struggling with autoimmune symptoms and chronic fatigue to regain their energy and cultivate a life that they love.” Learn more at https://heal.me/jaclyn-ntp

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #CounterCultureWellness #Wellness #nutrition #NutritionalTherapy #autoimmunesupport

#ABFeaturedMember of the day is Jaclyn Daley! (AB member since 2021) @counterculturewellness is a Holistic Nutritional Therapy Practitioner and an Autoimmune Protocol Coach. “I support those struggling with autoimmune symptoms and chronic fatigue to regain their energy and cultivate a life that they love.” Learn more at https://heal.me/jaclyn-ntp

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #CounterCultureWellness #Wellness #nutrition #NutritionalTherapy #autoimmunesupport
...

8 0
#ABFeaturedMember of the day is Russell McWhorter! (AB member since 2017) With over 35 years' experience in the martial arts (22 of those in tai chi), Russ McWhorter has a background in Tai Chi, Wing Chun, kempo karate, Filipino martial arts, and grappling. Nestled at the base of Pike Peak, Springs Tai Chi's mission is to promote health, well-being, and calmness of mind by sharing the principles and applications of Yang Style Tai Chi in Colorado Springs. Learn more at https://springstaichi.weebly.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HealthyLifestyle #Wellness #TaiChi

#ABFeaturedMember of the day is Russell McWhorter! (AB member since 2017) With over 35 years` experience in the martial arts (22 of those in tai chi), Russ McWhorter has a background in Tai Chi, Wing Chun, kempo karate, Filipino martial arts, and grappling. Nestled at the base of Pike Peak, Springs Tai Chi`s mission is to promote health, well-being, and calmness of mind by sharing the principles and applications of Yang Style Tai Chi in Colorado Springs. Learn more at https://springstaichi.weebly.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HealthyLifestyle #Wellness #TaiChi
...

1 0
#ABFeaturedMember of the day is Kimberly Jarchow! (AB member since 2022) Kim is a certified plant based nutritionist and health and wellness coach. “My focus is educating others about the health benefits of eating a whole foods plant rich diet. I personally have changed my own health outcomes by eating a predominantly plant rich diet and I am passionate about helping others experience the health benefits of this lifestyle as well. I created My Rooted Nutrition with the hopes of intentionally sharing just how simple and nutritious eating a whole food plant rich diet can be.” Learn more at https://myrootednutrition.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HealthyLifestyle #Wellness #RootedNutrition

#ABFeaturedMember of the day is Kimberly Jarchow! (AB member since 2022) Kim is a certified plant based nutritionist and health and wellness coach. “My focus is educating others about the health benefits of eating a whole foods plant rich diet. I personally have changed my own health outcomes by eating a predominantly plant rich diet and I am passionate about helping others experience the health benefits of this lifestyle as well. I created My Rooted Nutrition with the hopes of intentionally sharing just how simple and nutritious eating a whole food plant rich diet can be.” Learn more at https://myrootednutrition.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #HealthyLifestyle #Wellness #RootedNutrition
...

1 0
#ABFeaturedMember of the day is Jen Yundt Coles! (AB member since 2021) @the.sibo.coach
“As a functional medicine, holistic practitioner, I rebel against the conventional medicine approach to treating SIBO (small intestinal bacterial overgrowth). I challenge my clients to think beyond their gut and dive deeper into their stories, self-talk and old lifestyle habits so that we can create a new vision for thriving vs. surviving.” Learn more at https://thesibocoach.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #the.sibo.coach #healthyLifestyle #SIBO #StressManagement #SIBOcoach

#ABFeaturedMember of the day is Jen Yundt Coles! (AB member since 2021) @the.sibo.coach
“As a functional medicine, holistic practitioner, I rebel against the conventional medicine approach to treating SIBO (small intestinal bacterial overgrowth). I challenge my clients to think beyond their gut and dive deeper into their stories, self-talk and old lifestyle habits so that we can create a new vision for thriving vs. surviving.” Learn more at https://thesibocoach.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #the.sibo.coach #healthyLifestyle #SIBO #StressManagement #SIBOcoach
...

8 0
#ABFeaturedMember of the day is Lexy Donaldson! (AB member since 2023) @cloud9_therapy is operated in the state of Utah and offers PEMF to equines, livestock, small animals and people. WHAT IS IT?: PEMF is pulsed electromagnetic field therapy and it is a non-invasive, drug free therapy that sends a pulse through a coil to detox bad cells and recharge good cells to allow the body to function the way it should. Learn more at https://www.cloud9therapy.org/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #PEMF #magnawave #painrelief #animaltherapy

#ABFeaturedMember of the day is Lexy Donaldson! (AB member since 2023) @cloud9_therapy is operated in the state of Utah and offers PEMF to equines, livestock, small animals and people. WHAT IS IT?: PEMF is pulsed electromagnetic field therapy and it is a non-invasive, drug free therapy that sends a pulse through a coil to detox bad cells and recharge good cells to allow the body to function the way it should. Learn more at https://www.cloud9therapy.org/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #PEMF #magnawave #painrelief #animaltherapy
...

12 1
#ABFeaturedMember of the day is Tabitha Eideh! (AB member since 2022) @whamglamesthetics is a licensed Esthetician and board-certified Nutrition and Wellness Coach. “I believe in treating skin from the inside out! Nutrition plays a big part in how our skin looks and feels, so I incorporate this into my practice.” Learn more at https://whamglame.com
#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #DaySpa #WhamGlamEsthetics

#ABFeaturedMember of the day is Tabitha Eideh! (AB member since 2022) @whamglamesthetics is a licensed Esthetician and board-certified Nutrition and Wellness Coach. “I believe in treating skin from the inside out! Nutrition plays a big part in how our skin looks and feels, so I incorporate this into my practice.” Learn more at https://whamglame.com
#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #DaySpa #WhamGlamEsthetics
...

11 1
#ABFeaturedMember of the day is Colette Chandler! (AB member since 2020) @Bewellwithcolette is a Board Certified Functional Medicine Gut and Hormones Coach. “I specialize in helping women 40+ create better health and habits so they can feel amazing as they age through 1:1 coaching, group coaching, e-learning and retreats.” Learn more at https://www.bewellwithcolette.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #BeWellWithColette #Balance #GutHealth

#ABFeaturedMember of the day is Colette Chandler! (AB member since 2020) @Bewellwithcolette is a Board Certified Functional Medicine Gut and Hormones Coach. “I specialize in helping women 40+ create better health and habits so they can feel amazing as they age through 1:1 coaching, group coaching, e-learning and retreats.” Learn more at https://www.bewellwithcolette.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #BeWellWithColette #Balance #GutHealth
...

4 1
#ABFeaturedMember of the day is Jessica Hartwigl! (AB member since 2022) @liv_in_vision is a certified holistic life coach. “My holistic coaching style works! It’s calming, comfortable, safe and fun. Deep, honest and powerful conversations explore self-discovery, self-love, self-action and are the foundation of a changed life.
My clients are goal-focused and ready to live within their full potential, creating a personal evolution from good to great to thriving!” Learn more at https://www.livinvision.net/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #ResultsCoach #renolifecoach #HolisticCoach #TrustYourself

#ABFeaturedMember of the day is Jessica Hartwigl! (AB member since 2022) @liv_in_vision is a certified holistic life coach. “My holistic coaching style works! It’s calming, comfortable, safe and fun. Deep, honest and powerful conversations explore self-discovery, self-love, self-action and are the foundation of a changed life.
My clients are goal-focused and ready to live within their full potential, creating a personal evolution from good to great to thriving!” Learn more at https://www.livinvision.net/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #ResultsCoach #renolifecoach #HolisticCoach #TrustYourself
...

9 0
#ABFeaturedMember of the day is Vandana Baranwal! (AB member since 2020) @ayurvedatri  is a classically trained Vaidya specializing in women's health and is a published author of two Ayurveda books on women's health. She brings her more than 28 years of experience to her practice and listens with patience and guides with compassion. She believes that everyone can create a better and healthy tomorrow while living a mindful life of balance and joy today with Ayurveda. Learn more at https://www.ayurvedatri.com/

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #AyurveDatri #ayurveda #ayurvedalifestyle #ayurvedaohio

#ABFeaturedMember of the day is Vandana Baranwal! (AB member since 2020) @ayurvedatri is a classically trained Vaidya specializing in women`s health and is a published author of two Ayurveda books on women`s health. She brings her more than 28 years of experience to her practice and listens with patience and guides with compassion. She believes that everyone can create a better and healthy tomorrow while living a mindful life of balance and joy today with Ayurveda. Learn more at https://www.ayurvedatri.com/

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #AyurveDatri #ayurveda #ayurvedalifestyle #ayurvedaohio
...

4 1
#ABFeaturedMember of the day is Joyce Ivonne! (AB member since 2022) @divine_self_love is a reiki healing studio, A sacred space where you can be authentically you. Whether you want to dabble in Candle Magic, Meditation, Yoga, Reiki, Imagery Hypnosis or refine your beliefs about life and the universe, Divine Self Love is a safe and fun space for exploration! Learn more at: https://divineselflove.com/ 

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #divineselflove #relaxation #reikicandle #reiki #spiritual #meditation #manifest #mindfulness #healing #selflove #higherself #growthmindset #happiness #energy #goodvibes

#ABFeaturedMember of the day is Joyce Ivonne! (AB member since 2022) @divine_self_love is a reiki healing studio, A sacred space where you can be authentically you. Whether you want to dabble in Candle Magic, Meditation, Yoga, Reiki, Imagery Hypnosis or refine your beliefs about life and the universe, Divine Self Love is a safe and fun space for exploration! Learn more at: https://divineselflove.com/

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #divineselflove #relaxation #reikicandle #reiki #spiritual #meditation #manifest #mindfulness #healing #selflove #higherself #growthmindset #happiness #energy #goodvibes
...

4 0
#ABFeaturedMember of the day is Antonio Aragona! (AB member since 2017) @vishnu_om “I offer traditional Ayurvedic holistic wellness services, and I do this with excitement and passion. It brings me great joy to witness how Ayurveda can help others on their life journey.”
Learn more at https://stillpointayurveda.com/

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #Ayurveda #vishnu_om

#ABFeaturedMember of the day is Antonio Aragona! (AB member since 2017) @vishnu_om “I offer traditional Ayurvedic holistic wellness services, and I do this with excitement and passion. It brings me great joy to witness how Ayurveda can help others on their life journey.”
Learn more at https://stillpointayurveda.com/

#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #Ayurveda #vishnu_om
...

5 0

Call: 1-800-871-3848

41 Liberty Hill, Bldg 2, Henniker, NH 03242

Shopper Award

General & Professional Liability Aggregate

The most your policy will pay for multiple losses during a 12 -month policy period.

General Liability Insurance is designed to protect your business from lawsuits filed by people not employed by your business (clients, vendors, etc.) for claims of bodily injury and property damage due to negligence. An example of this would be a slip and fall on your premises.

Professional Liability insurance provides coverage for wrongful acts (including breach of duty, neglect, error, omission, misstatement or a misleading statement) that occur as a result of your professional instruction. This includes economic or financial losses suffered by third parties as a result of the wrongful act.  An example of this would be if you programmed a workout and were accused of poor advice/instruction which led to an injury.

General & Professional Liability Each Occurrence

The maximum the insurance carrier will pay for any single bodily injury or property damage claim.

General & Professional Each Occurrence

The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is coverage for property damage to a premise the insured rents or has permission to use under the scope of their normal operations. Includes fire damage coverage only for premises rented for fewer than 7 days and coverage for damage from all other perils resulting from the insured's work for premises rented for more than 7 days.

Medical Expenses

Coverage that reimburses others, regardless of negligence, for medical or funeral expenses incurred by the injured party for bodily injury or death sustained by accidents under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your General & Professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

Gym & Fitness Studio Insurance

Gym Owner coverage 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.
If you have employees, please select the Employer level coverage and add on your employees.

Participant Accident Insurance

This accident plan covers medical and death bills if one of your clients gets injured while using your services or equipment. Medical bills are settled outside of court and are NOT dependent on your liability for their injury. Learn More

  • Accidental Death, Dismemberment & Paralysis Limit: $5,000
  • Aggregate Limit of Indemnity: $100,000
  • Accident Medical Expense Benefits Limit: $25,000
  • No deductible!
  • Includes all ABPG member benefits
  • Pricing is based on the total number of clients you have at the time you purchase the policy

Total Insurable Value (TIV)

The Total Insurable Value (TIV) is the total amount covered on the policy for both Business Personal Property coverage and Business Interruption & Extra Expense combined.

See our coverage tiers below:

  • $20,000 TIV is the sum of $10,000 BPP and $10,000 BI/EE (INCLUDED FREE)
  • $50,000 TIV is the sum of $25,000 BPP and $25,000 BI/EE
  • $100,000 TIV is the sum of $50,000 BPP and $50,000 BI/EE
  • Over $100,001 in TIV allows custom allocation for BPP & BI/EE however services covered are limited.

Acronym Key:

TIV (Total Insurable Value)

BPP (Business Personal Property)

BI/EE (Business Interruption & Extra Expense)

 

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 of others in your "care, custody, and control," which basically means their property 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.

Deductible

The amount you pay before this plan begins to pay-out for a covered claim.

 

Business Personal Property Deductible:

  • Under $250,000 BPP: Deductible = $500
  • Over $250,000 BPP: Deductible = $1,000

Business Income Deductible:  72 hour waiting period. (This benefit begins 72 hours after the loss occurs.)

 

*A deductible only applies to the Accident coverage and Business Personal Property coverage, not the Liability coverage.

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 covered expenses like rent, payroll and other financial responsibilities 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.

Participant Accident Insurance

This accident plan covers medical and death bills if one of your clients gets injured while using your services or equipment. Medical bills are settled outside of court and are NOT dependent on your liability for their injury. Learn More

  • Accidental Death, Dismemberment & Paralysis Limit: $5,000
  • Aggregate Limit of Indemnity: $100,000
  • Accident Medical Expense Benefits Limit: $25,000
  • No deductible!
  • Includes all ABPG member benefits
  • Pricing is based on the total number of clients you have at the time you purchase the policy

Accidental Death, Dismemberment & Paralysis

This coverage pays the injured party or their beneficiaries sum in the event of death, loss of limb or paralysis as a direct result of an accident at your facility or while participating in a covered activity.

The aggregate limit is the amount the policy will pay in a 12 - month policy period.

The per accident limit is the amount the policy will pay per accident.

Accidental Medical Expense Limit

What the policy will pay for medical services expenses if a participant is injured. This covers costs like emergency room charges, doctor visits, hospital bills and other similar expenses.

Accidental Dental

The most the policy will pay for dental services required as the result of a participant's injuries from an accident.

Expenses incurred for dental services are also subject to the Maximum Accidental Medical Expense Benefits.

Benefit Period

This is the period of time between the date of the accident causing injury to the participant and the date when no further eligible expenses may be incurred by the injured participant.

Deductible

The amount you pay before this plan begins to pay-out for a covered claim

*A deductible only applies to the Accident coverage and Business Personal Property coverage, not the Liability coverage.

TOP