Herbalist Consultation Liability Insurance

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Herbalist Consultation Liability Insurance

Herbalist Consultation Liability Insurance

Herbalist (Herbal) Consultation insurance can be difficult to find. Not too many insurance companies understand the specific types of risks that herbal practitioners face. That's why we have partnered with one of the top insurance companies in the world to bring you a wellness liability insurance policy designed specifically for practitioners in the wellness industry.

How do I protect my business?

You take your clients' health very seriously, but there are times when 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. You need to protect your practice and your personal interests. Do it with the right insurance policy by your side. With the Alternative Balance Professional Group, 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, premises liability, and much more. This program is available to full-time workers, part-time workers and trainees.

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!

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 Participant 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.

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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Additional Services Covered