Overview of all the frequently asked questions about our insurance coverage, application, membership, and more.
You can search through our frequently asked questions below. If you still have questions, our Customer Service Representatives are eager to help.
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.
You will receive commission payouts each month if you have a minimum of $40 in commissions for that month.
Coverage will respond to incidents arising from the coverage period, regardless of when those claims were reported.
As a U.S. resident, your liability insurance will cover you anywhere in the world.
Our policy was designed to cover aerial/acro yoga instructors when that practice is focused on fitness, flexibility and therapy. It is not designed for aerial performers, circus movements or gymnastics-focused training.
You can add additional protection packages to your Liability policy by logging in to your account, clicking "My Policies", then click on your policy number for your liability policy. At the Endorsements/Protection Packages area of the page, click Add, make your selections, enter your payment information and click "Submit" to save your changes.
The new documents will be available in the "Policy Documents" area of the policy view.
No, the Alternative Balance program does not cover the medical bills of the insured member even if the injury resulted from offering your services.
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For the membership with insurance to be valid, you must be a U.S. resident and at all times be abiding by all state and local laws regarding your specific trade(s).
We also ask that you use waivers with your clients, and we provide templates for those through our members only area for you to customize for your specific needs.
Please contact your state of employment for current laws/regulations.
No, we do not pro-rate coverage for less than one year.
It typically takes less than 5 minutes to complete. That's it! You're covered!
We like to make the process as clear and simple as possible, so you can view our rates and pricing on our Coverage & Pricing page.
We cover over 800 services under one policy! To learn more, visit Services Covered Overview.
Since we cover so many different modalities we simply group individual services under a larger trade category. Here are those trade categories;
If you do not see your specific service or trade listed here, please feel free to contact us to verify.
We do not pro-rate. All memberships are for one full year.
We do not offer payment plans at this time. Full payment is due at the time of the application.
No, the insurance and membership is for one year ONLY and cannot be pro-rated.
If you purchased membership/insurance with a credit card or debit card, your statement will show a charge from Alternative Balance. Depending on your merchant descriptions, it could also show several different other forms of our name abbreviated.
Yes. Although we do welcome third-party payments, please make sure your party knows about this charge and what their statement will read (AB Insurance or Alternative Balance).
Remember, you as the policy holder are always going to be responsible for the account and policy no matter who pays. All receipts and notices will be sent directly to the email provided on the application and/or in the account.
At any time, you can login to your account center. Once you are in your account, click on your most recent policy number. Then scroll down and you will see the policy documents section. Click on the document link to download.
You can update your contact information by logging in to your account, go to "My Policies", click on the most recent policy number, then scroll to the bottom of the page and click "Edit Policyholder Info".
If your last name has changed, you will need to contact our team directly for us to update it.
You can add additional protection packages to your Liability policy by logging in to your account, clicking "My Policies", then click on your policy number for your liability policy. At the Endorsements/Protection Packages area of the page, click Add, make your selections, enter your payment information and click "Submit" to save your changes.
The new documents will be available in the "Policy Documents" area of the policy view.
An additional insured cannot be removed from an account in case a claim is made. Additional insureds will remain for the life of the membership/policy.
Debris removal means removing from a covered location any debris resulting from a covered incident. The debris must be reported in writing within 180 days of the incident.
We cover you recommending and using products during a session and selling pre-manufactured products if product sales make up less than 20% of your total income. This is designed to protect the recommendation, use, and sale of pre-manufactured products as well as any products, teas, tinctures, blends that you have made and use during a session with a client. If you are selling/distributing any other products that you manufactured, rebottled, repackaged, or relabeled or that are to be injected or used invasively, you will need a separate product liability policy.
You cannot add employees to our liability coverage policy at this time. Please contact our broker for a review of your business to ensure you have the appropriate coverage!
Check out our Coverage & Pricings page HERE for more information!
NEXO Insurance
Email: [email protected]
Phone #: 424-321-8955
You can purchase a membership complete with coverage at any time starting at $269. This also gives you flexibility with your work hours and you'll also have access to all our member benefits.
Assault & Battery Liability: $25,000
Communicable Disease Expense: $25,000
**Not coverage for spreading communicable disease**
Please check out our Coverage & Pricings for more info!
The policy is designed to respond as long as your state regulations allow you to request and interpret lab testing as a Nutritionist.
You can travel anywhere in the world to work as long as you are abiding by all state and local laws pertaining to your trade.
Yes! If you chose to purchase our professional membership, the base plan will provide you coverage for your esthetic services and include many other benefits!
Please visit our coverage and pricing page HERE to take a closer look!
There is no limit on how many individuals you coach at a time.
We wish we could include dental plans in your membership, but what we do offer is exclusive discounts on plans from our partners. Access this benefit in your Members Only Area and save on the dental plan that is right for your needs. Rates vary in prices due to location, coverage choices and provider rates.
We wish we could offer a group plan for health insurance that could fit everyone. However, what we do offer is a direct link to our partner that can design a health plan as unique as you! Access this link in your Members Only Area.
Your membership does not include disability insurance. We are always communicating with the best options and partners to offer disability insurance resources to our members. You can find our current list of resources in your Members Only Area.
Alternative Balance does not offer home and car insurance as a member benefit. We are focused solely on providing professional and general liability to protect your business. We understand your home, car and other items need protection too, so we are continuously working with top rated local and national companies. You can find our resources in your Members Only Area.
Because we work with over 500 trades and all 50 states, we simply cannot expect everyone to follow the same requirements, so we break it down by individual state/service. We believe this is the fairest way for our members, as one should not be required to follow another state's laws if they are not practicing there.
Accidents happen – no matter how well you prepare or how much training you have, it’s just a part of life. When this happens, unfortunately attorney fees can be expensive and devastating to a small business even if that business did nothing wrong.
That high cost often translates into higher rates. Sometimes that increase is $20, while other times it’s $100. It often depends on what is happening in that specific trade in the industry. Take for example the AcroYoga industry. When one or two studios or teachers have a client fall and tear their rotator cuff, that may amount to $300,000 in medical costs, especially if surgeries are involved. Multiply that by twenty studios, and you have claims costs upwards of $6 million!
Again, this is why our approach in creating optional choices is so important. Not all services feel the rate increase. For example, massage therapists aren’t paying for an increase when claims rise for those in the pole fitness industry, and vice versa.
The claims adjuster assigned to your claim will decide if the claim is approved or declined. The adjuster decides if the claim falls within the bounds of the policy and will make a decision on what payments are appropriate. They will contact you to let you know the decision.
The claims contact information can be found in your Members-only Section under "Claims."
Since each claim and situation is unique, we cannot speculate on if a scenario that has not happened yet would be covered.
Our coverage & cost page provides a brief break down of what limits and types of coverage are available.
We hope that you never have to report a claim, but if the time ever does come, we want you to know how to proceed. Each small step has an important purpose, so we have listed them here with explanations:
Steps 1-6 can take place within a matter of a few minutes. Once the adjuster has taken control of the claim, it could take anywhere from one day to a few weeks to complete the process, depending on the severity of the incident. If you have more questions about the claims process, give us a call, and we will assist you.
The program is powered by Post Affiliate Pro, the leading affiliate tracking software. Post Affiliate Pro uses a combination of cookies and IP address to track referrals for best possible reliability. When your referral purchases their ABPG membership, the affiliate system checks for the cookie (a file left on their computer that tells us they came from your link). If a cookie is not found, then our system checks for the referral's IP address and matches it to usage data connected to your affiliate link. The system then credits your account $20 for that referral.
This process is absolutely automatic through well-designed algorithms and ensures that all your referrals will be properly tracked. Affiliate cookies track referrals for 60 days, and Sponsor-level cookies track referrals for 120 days.
No. Unfortunately, at this time, you have to be a legal U.S. resident with a U.S. address to join the affiliate program.
Yes, we provide useful tips in your affiliate panel! We also recommend reviewing the "getting started" tab in your affiliate panel right away. You can also check out our help videos on our YouTube channel.
Since this is a online affiliate program and each affiliate link is custom we do not provide print material.
Nothing! Just your desire to be an affiliate and support the industry. You don't even need a website (although having your own website helps). You can promote our product via search engines like Google, postings in internet forums, tweeting, posting links on Facebook, LinkedIn, recording videos, or simply emailing your affiliate link to all your friends and people you know.
If you do have your own website, include your affiliate link to send people to us who are looking for association membership tools, benefits, and insurance coverage for their business. All you need to do is to send a visitor to our site via your own unique affiliate link, and if they sign up as a member of Alternative Balance you will get $20!
Proud to be a 2024/2025 BBB Torch Awards for Ethics Finalist!
