BODYWORK INSURANCE | LIABILITY INSURANCE DESIGNED FOR YOU

Alternative Balance insures almost all bodywork methods in the industry! Our coverage protects you and your practice anywhere you provide services, even for when you teach. Though every service provides a different atmosphere and clientele, the need to protect your business remains the same. With our bodywork insurance plan, you can rest assured that you are getting insurance that will stand by you.

Buy Now Button

WHAT COVERAGE IS INCLUDED IN MY LIABILITY INSURANCE?

In addition to General & Professional Liability, we also include coverage for Damage to Premises Rented, Advertising Injury, and much more. Sexual Abuse Liability is also available as an optional coverage (for more information on why this is important for your business, read our Sexual Abuse Liability Insurance White Paper). Visit our Coverage page for more specific information about the types of coverage included in our plan.

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

NOW INCLUDED WITH YOUR MEMBERSHIP!

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

We also offer optional Sexual Abuse Liability as well as Cyber Liability, which protects your business in the event of a cyber attack or hack.

Buy Now Button

Bodywork Examples

What if??

Wondering what kind of claims could be covered by bodywork insurance? We've got some examples to make it easy.

  • General Liability: Massage table leg breaks and client falls off table and gets injured.
  • Professional Liability: A client sues you because they claim they told you they had an injured shoulder, but you proceeded to work on it anyway, making the injury worse.
  • Damage to Premises Rented: Your massage table breaks and damages the hardwood flooring in your rented space.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Bodywork Insurance

Bodywork SUB-INDUSTRY INSURANCE

See All Industries

Member Benefits Highlight Insert

Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

Explore Benefit Suites

Share this page!

General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims 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 liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident 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.

TOP