Liability Plan Details
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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/yrEach Employee: +$99
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Acupuncture
$229 -
Aerial Yoga, AcroYoga
$129 -
Gym Owners
$129(Restrictions apply. See "i" for details) -
Hypnotherapy
$229 -
Pole Fitness
$129 -
Sauna
$129Must be integrated with a therapy -
Cupping
$129Must be integrated with a therapy
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$50,000 Each Claim, $100,000 Aggregate
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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.
Customer Testimonial
"Kristine was so amazing and the call was the most helpful and informative process! I am thrilled to be covered with Alternative Balance, and for anyone in my field of fitness, I would not recommend any other company!"
Angie
Customer Testimonial
“I put in my contact information and within two minutes Dawn called me with all of the answers I needed to make an informed decision! She even brought up policies that were available and applicable to me that I somehow missed on the website! Thank you, Dawn! ”
Sarah T
Customer Testimonial
"In addition to insurance coverage
they offer additional benefits to their customers such as highlights
on social media."
Cassandra
Customer Testimonial
“The customer service reps at Alternative Balance are wonderful! Thank you Dawn and Kristine! I am very happy with the product and service.”
Judy
Customer Testimonial
“Learned about this company from a friend, very happy with my coverage. Uncomplicated and immediate coverage at your fingertips! Thanks”
Dunnia
Featured Members
#ABFeaturedMember of the day is Janet Hall! (AB member since 2019). Congratulations to Alternative Wellness Center, LLC! “We are approaching 30 years of exceptional alternative care. We won Best of City 2 years in a row: 2021 & 2022. We love what we do & can’t wait to serve into our 30th year!”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Roberta Morris! (AB member since 2020). Roberta is a wellness coach and lifestylist. She works with women 45+, who want to redefine their midlife transition but need the tools and support to retake control of their personal, physical, and emotional wellbeing. "It's My Turn," her custom-tailored program meets the needs of the midlife woman addressing lifestyle and nutrition challenges through wellness, mindful coaching, education, and support.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Tonya Caylor! (AB member since 2020). “I'm a coach that works with resident physicians to prevent burnout, find clarity, and realize their full potential.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Whitney Miller! (AB member since 2019). @transcend.health.and.wellness was created to empower individuals who feel lost, frustrated, and stuck to become the most powerful, confident, and complete version of themselves. Through powerful strength, life, and mindset shifts you will learn to live with greater freedom and fulfillment. Transcend Health & Wellness offers 1:1 Private Strength, Running, and Life Coaching, group and done for you strength training programs, and women's running retreats.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Celia Carey! (AB member since 2019). @rocpolefitnessstudio builds strength and confidence through the art of Pole dance.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Raymond Martinez! (AB member since 2020). @alignment.healingcenter helps people heal physically, mentally, and emotionally. A big part of what we do is creating a space where people can feel confident and balanced in their own body. With in person training and online coaching, we are able to meet everyone where they are at in their fitness journey.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Mar De Carlo! (AB member since 2021). @parentinghealthinstitute @mar_decarlo is an innovative holistic curriculum developer, Mar has developed and pioneered evidenced-based holistic curriculums since 2009. She has written three books: Awakening Through Sleep, The Baby Planner Profession, and Green Body Green Birth. Her expertise includes sleep, nutrition, pregnancy, postpartum, parenting, health & lifestyle, fitness, Yoga, business, entrepreneurship, coaching, and curriculum development.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Jackie Kuang! (AB member since 2019). @jackiekuang is a certified Nature and Forest Therapy Guide with the Association of Nature and Forest Therapy Guides and Programs since 2017. Her gentle and confident way of guiding helps people easily shed stress and reset their nervous system. More importantly, walk participants have reported a deep sense of well-being and love for the Earth. Jackie is also the General Manager of ANFT.Earth.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Jennifer Maklan! (AB member since 2021). @chattanoogaayurveda is an Āyurvedic Practitioner with training in classical Āyurveda. Similar to Traditional Chinese Medicine, Āyurveda provides methods to establish health through proper living. She is trained in Āyurvedic therapies and continues her education in the Samudra Ayurvedic Physicians Program.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Katy Chen Mazzara! (AB member since 2019). @katychenmazzara is a certified trauma-informed financial wellness coach and graduate of UC Berkeley’s Personal Financial Planning program. Through her six step Financial Freedom Formula, Katy helps creative freedom-seekers make more, worry less, and achieve true financial freedom, so they can create the life of their dreams.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Brea Sharron Estep! (AB member since 2019). @Breasharronfitness helps overwhelmed women find the missing puzzle pieces to their health mystery and learn how to get their health & body back!
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is April Love! (AB member since 2015). @holistichorseworks offers a whole new way of looking at horses! April Love helps horse owners look at the bigger picture and treat the root cause of their horse's problems instead of just putting a band-aid on the symptoms.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Karyn Hendricksen! (AB member since 2020). @karynelisewellness is a Kinesiologist who has created her own safe, research based & effective program to strengthen the muscular system, prevent injury & reduce pain.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Mary Kress! (AB member since 2021). @divinelyguidedoracle is a truly celebrated Oracle, directly guided by the Ascended Masters and the Angelic Realm. She is a feminine leader with a vision to bring a world of psychic counseling and quantum healing from the divine, to awaken people across the universe!
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Valerie Cooksley! (AB member since 2017). Valerie is a Holistic Nurse, Nurse-Aromatherapist pioneer, Anthroposophic Nurse, and author of nine natural health books. She is the Founder of the Institute of Integrative Aromatherapy in Houston Texas, and Director of the AHNA endorsed Integrative Aromatherapy® Certificate Program.
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Genessa Zickefoose! (AB member since 2018). @themotherhive is an Herbalist & Holistic Wellness Coach.
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Kathryn Stoerzbach! (AB member since 2020). An Elemental Practice is a holistic health practice, specializing in Ayurvedic Medicine and other health services. Learn more at www.anelementalpractice.com
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #ayurvedic #holistichealth #wellness #EnergyBalancing
#ABFeaturedMember of the day is Lauree Dash! (AB member since 2018). @laureedash teaches Yoga Nidra & Mindfulness Meditation practices in Oklahoma City at Integris Cancer Center, Mercy Heart Hospital, Soul Yoga, & at Chesapeake Energy Corporation. She also maintains a private practice working one-on-one & in small groups. “I am committed to sharing the profound insights & joy that can be achieved through a personal meditation practice.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Michelle Kulynych! (AB member since 2022). @beautywithabladellc focuses on creating a serene & safe environment for women to have their eyebrows microbladed. “I treat my clients like family and truly invest a little bit of my heart and soul into each one. I want every woman to leave my studio feeling confident, beautiful & ready to take on the world.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Rosalia Webster! (AB member since 2022). @big_surcus teaches health, happiness, and character using the ancient practice of poi dance. “Our movement & thoughts underlying the intention at hand. When on stage we infuse our acts with our kindness philosophy - prayerformance.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Alternative Balance Support
Alternative Balance Blog
Helpful articles on business, industries we cover, wellness, and entrepreneurship.
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