Herbalist Consultation Liability Insurance

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Herbalist Consultation Liability Insurance

Herbalist Consultation Liability Insurance

Herbalist (Herbal) Consultation insurance for individual herbalists can be difficult to find. Not too many insurance companies understand the specific types of risks that herbal practitioners face! That's why we designed the Alternative Balance membership with insurance - to help herbalist practitioners like you get the coverage they need.

How do I protect my business?

The best protection for herbalists is professional liability insurance bundled with general liability, products & completed operations, and business personal property coverage. Bodies react differently than we expect them to, sometimes causing bodily injury or even mental anguish. Unfortunately, best intentions don't count when it comes to lawsuits. Protect your practice by joining Alternative Balance and gaining instant access to insurance designed for herbalists.

With Alternative Balance, you can relax and focus on your business. You won't find a policy like this anywhere else! Our policy includes professional and general liability, defense costs, EquipProtect business personal property, and much more. This program is available to individual full-time, part-time and student herbalist practitioners.

What coverage is included in my herbalist liability insurance?

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!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your business—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

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 for 7 days or less. It does not apply to permanently leased locations.

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.

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