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Liability Plan Details

Liability Plan Details

General & Professional Liability Plan

We understand that your business changes and grows, so we have four membership levels to fit where you are now and later. Our pricing is upfront, with no hidden fees. Your membership includes liability insurance, business tools, waiver templates, exclusive partner discounts, and more.

COVERAGE LEVELS

Which level best fits your work?

Trade School Student Only (currently enrolled in trade school & not getting paid)

$189/yr
Per Diem (working less than 10 hours per week for all services combined)

$239/yr
Professional (working more than 10 hours per week)

$269/yr
Employer

$299/yr

Each Employee: +$99

INCLUDED SERVICES

We offer over 500 services on one policy for one price. Here are some of our most common services.
Coverage includes your online services.

See Full List

PREMIUM SERVICES

These services are available for an extra premium.

Acupuncture

$229
Aerial Yoga, AcroYoga

$129
Gym Owners

$129

(Restrictions apply. See "i" for details)
Hypnotherapy

$229
Pole Fitness

$129
Sports Coaching & Recreational Fitness

$129
Water Aerobics, Water Yoga, Paddle Board Yoga

$129
Sauna

$129

Must be integrated with a therapy
Cupping

$129

Must be integrated with a therapy

Read about how we keep your premiums low with our Alternative Balance Rate Approach!

COVERAGE DETAILS

Your membership includes the following liability insurance coverage.

General & Professional Liability Aggregate

$3,000,000

General Liability is Occurrence; Professional Liability is Claims Made
General & Professional Each Occurrence

$2,000,000
Products-Completed Operations Aggregate

$2,000,000
Damage to Premises Rented to You

$300,000
Third-Party Medical Expenses

$5,000
Personal & Advertising Injury

Included

OPTIONAL COVERAGES

Need a little extra protection for your business? Consider these add-ons.

Sexual Abuse Liability

$149

$50,000 Each Claim, $100,000 Aggregate
Cyber Liability

$149

$100,000 Each Claim, $200,000 Aggregate

To see a list of excluded services and coverages, view our Excluded Services list.

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.

General & Professional Each Occurrence

The maximum the insurance carrier will pay for a bodily injury or property damage claim 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

Sexual Abuse Liability

*Recommended for all touch therapies. Sexual abuse protection may cover abuse that includes physical abuse, such as sexual or other bodily harm and non-physical abuse, such as verbal, emotional or mental abuse as well as any actual, threatened or alleged act.

Gym & Fitness Studio Insurance

Gym Owner coverage includes General & Professional Liability coverage only. There is no personal property, commercial property, or equipment coverage. Please contact us for a referral if you need those coverages.
If you have employees, please select the Employer level coverage and add on your employees.

Cyber Liability

*Recommended for all online service providers. Cyber liability protection may cover a business for a data breach in which the business customers' personal information, such as social security or credit card numbers, address, phone number, or any other personally identifiable information, is exposed or stolen by a hacker or other criminal who has gained access to the business electronic network.

The following are services and coverages currently excluded from coverage:

Psychiatrists, Psychologists, Social Workers;
Massage/movement using implements other than the body; unless approved in writing by Underwriters;
Manipulations or adjustments of the human skeletal structure;
Failure to diagnose or treat any condition, or failure to refer a client to any medical professional or healthcare provider for treatment;
The administering or prescription of any prescribed medicine;
The practice of medicine;
The use of lasers; (excluding cold lasers);
Hair implanting or hair transplanting;
Body piercing or body branding of any nature;
Cosmetic surgery;
Removal or any attempt to remove warts, moles or skin growths;
Chiropody or podiatry; or
The transmission of a communicable disease.

**Please note these are brief definitions of exclusions for the current year's policy only, and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of exclusions.

why choose AB?

Ethical, Reliable Insurance
Available 5 Star Support
Endless Member Benefits

Mother-Daughter Owned
Multiple Industries Served
We're Industry Peers

Featured Members

alternativebalance

1,659 1,223

Additional Services Covered

Liability Plan Details

General & Professional Liability Plan

COVERAGE LEVELS

Which level best fits your work?

Trade School Student Only (currently enrolled in trade school & not getting paid)

Per Diem (working less than 10 hours per week for all services combined)

Professional (working more than 10 hours per week)

Employer

INCLUDED SERVICES

We offer over 500 services on one policy for one price. Here are some of our most common services. Coverage includes your online services.

PREMIUM SERVICES

These services are available for an extra premium.

Acupuncture

Aerial Yoga, AcroYoga

Gym Owners

Hypnotherapy

Pole Fitness

Sports Coaching & Recreational Fitness

Water Aerobics, Water Yoga, Paddle Board Yoga

Sauna

Cupping

Buy Now GL Button

COVERAGE DETAILS

Your membership includes the following liability insurance coverage.

General & Professional Liability Aggregate

General & Professional Each Occurrence

Products-Completed Operations Aggregate

Damage to Premises Rented to You

Third-Party Medical Expenses

Personal & Advertising Injury

OPTIONAL COVERAGES

Need a little extra protection for your business? Consider these add-ons.

Sexual Abuse Liability

Cyber Liability

Buy Now GL Button

General & Professional Aggregate

General & Professional Each Occurrence

Products-Completed Operations Aggregate

Damage to Premises Rented to You

Medical Expenses

Personal & Advertising Injury

Sexual Abuse Liability

Gym & Fitness Studio Insurance

Cyber Liability

The following are services and coverages currently excluded from coverage:

why choose AB?

Featured Members

alternativebalance

Not ready to buy?

Call: 1-800-871-3848

We offer over 500 services on one policy for one price. Here are some of our most common services.
Coverage includes your online services.