Business Income & Extra Expense Basics: Why Being Shut Down Isn’t Always Enough

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Written by: Lindsey Lessard, Vice President of NEXO Insurance, Broker Representative for Alternative Balance Business Income and Extra Expense (“BI&EE”) coverage is an incredibly valuable part of your Alternative Balance property insurance policy, especially if your work is impacted by an unexpected event. But while this coverage is designed to help you recover lost income
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Water Damage 101: Covered or Not?

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Written by: Lindsey Lessard, Vice President of NEXO Insurance, Broker Representative for Alternative Balance Water Damage 101: Covered or Not? Water damage is one of the most common claims for small business owners, but not all water-related events are treated equally in your insurance policy. As a member of the Alternative Balance insurance program, here’s
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Can an Insurance Policy Cover Multiple Services? 

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Written by: Lindsey Lessard, Vice President of NEXO Insurance, Broker Representative for Alternative Balance Expanding your business by offering multiple services or diversifying operations is a smart way to attract more customers and boost your bottom line. But with greater opportunity comes new risks. That’s where the right commercial insurance steps in—providing tailored protection that
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Claims-made vs. Occurrence Insurance: What’s the Difference and Which One is Right for You?

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Written by: Lindsey Lessard, Director of Client Services, Broker Representative for Alternative Balance When it comes to protecting your business with insurance, understanding the type of policy you have is just as important as having coverage in the first place. If you’ve ever come across the terms Claims-made and Occurrence when searching through insurance options
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What is a Risk Purchasing Group?

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Written by: Lindsey Lessard, Director of Client Services, Broker Representative for Alternative Balance   Did you know that Alternative Balance offers insurance coverage through a unique setup called a Risk Purchasing Group (RPG)? Think of it as a team effort where like-minded professionals band together to secure specialized liability insurance as a group. RPGs, established
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Managing Liability Risk as a Fitness Professional: A Roadmap to Success

Written by: Miriam Ball, Chief Insurance Officer, Alternative Balance As a fitness professional, your mission is to inspire, motivate, and transform lives. But along with the rewards of working in the fitness industry comes a very real responsibility: managing liability risk. Every interaction with a client—whether it’s spotting a weightlifter, recommending a stretching routine, or
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What is Third-Party Liability Insurance?

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Written by: Lindsey Lessard, Director of Client Services, Broker Representative for Alternative Balance Have you ever heard the phrase “third-party liability insurance” and wondered what it meant? Well, we are here to make this common insurance phrase simple. So what exactly is third-party liability insurance, and why is it so crucial? Understanding Third-Party Liability Insurance
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Harnessing Positive Intelligence to Enhance Relationships

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Written by: Bonnie Schnautz, Naturopathic Doctor, Digestive Health Specialist and Certified Positive Intelligence Coach  brenewed.com In the fast-paced world of health and wellness entrepreneurship, maintaining positive, constructive relationships can be challenging. Whether it’s with clients, partners, or employees, the quality of these interactions significantly impacts the success and sustainability of your business. Positive intelligence (PI)
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Ayurvedic Fall Wellness: Embracing the Season’s Bounty

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Written by: Christine Tara Peterson, The Institute for Vedic Research As autumn arrives with its crisp air and colorful foliage, Ayurveda, the ancient system of medicine from India, offers valuable insights for maintaining balance and wellness during this transitional season. Fall is characterized by the qualities of Vata dosha—dry, cold, rough, and windy. To harmonize
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Exposing Lifestyle: Your Healths’ Greatest Threat

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Written by: Jamie Campbell NBC-HWC Crescent Wellness Lifestyle “Lifestyle” can seem like a humdrum term, not taken too seriously or examined in depth. However, it holds great significance, everybody has a lifestyle, whether it is intentional or not. Earlier this week I was listening to a *podcast featuring Dr. Sarah Villafranco, who brought its significance
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