We know what you need because we've worked in your industry too! As an alternative health, fitness, beauty or wellness professional your Alternative Balance membership gets you the exact coverage you need, like...
Professional & General Liability Insurance
If you're held legally responsible for someone else's injury or damage to their property, liability insurance can help cover medical and legal fees.
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Professional Liability insurance provides coverage for any wrongful acts resulting from your professional service. This includes situations such as breach of duty, neglect, error, omission, misstatement or a misleading statement, which may cause economic or financial losses to third parties. For instance, if you're a fitness trainer and your workout program is accused of leading to an injury, professional liability insurance is designed to step in to protect you.
General Liability insurance is designed to protect your business from claims of bodily injury or property damage caused by your negligence, such as a slip and fall incident that occurs on your premises.
BPP & Business Interruption Insurance
This type of coverage protects items your business owns, your income and expenses.
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Business Personal Property (BPP) is insurance that covers movable assets owned by your business such as inventory, equipment, supplies, and furniture. It also covers property that is in your possession. Common reasons for loss include theft, fire, water damage, vandalism, and hail.
In case of a covered loss, business interruption and extra expense insurance can provide financial aid during a temporary shutdown to replace your lost income and expenses such as rent and payroll.
Participant Accident Insurance
Participant Accident insurance is different from liability insurance in that it is no-fault coverage for injuries or accidents that occur in your facility.
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This means that if a participant is injured, the policy is designed to cover medical expenses such as emergency room charges, doctor visits, hospital bills, and other related costs. In addition, this coverage will provide a sum to the injured party or their beneficiaries in the unfortunate event that they suffer death, loss of limb or paralysis as a direct result of an accident that occurred at your facility or while participating in a covered activity.
- 26/09/2025in Insurance
Business Income & Extra Expense Basics: Why Being Shut Down Isn’t Always Enough
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... - 05/08/2025in Insurance
Water Damage 101: Covered or Not?
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 progra... - 22/05/2025in Insurance
Can an Insurance Policy Cover Multiple Services?
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 s...
What are the steps?
Complete application HERE
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What else is included in the membership?
With your membership, you receive instant insurance coverage (see details), 24/7 online access and member benefits like access to our Business Speaker Series, discounts on services, document templates for waivers and intake forms, industry subscriptions, access to online business management tools and much more! To see a more complete list of our member benefits, visit our Benefit Suites page.
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