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.


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

    Each Employee: +$99


These services are available for an extra premium.

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Your membership includes the following liability insurance coverage.

  • General & Professional Liability Aggregate  

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

  • Products-Completed Operations Aggregate  

  • Damage to Premises Rented to You  

  • Third-Party Medical Expenses  

  • Personal & Advertising Injury  



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

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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.