We have you covered no matter where you practice, including online, live or pre-recorded, internationally and in-person!
Your insurance will follow you, even internationally!
We are offering a $10 discount to NAMA members. Be sure to use the application on this page (purple buttons) when you are ready to sign up! It will automatically apply the discount for your first year of membership. This will apply to new AB memberships only. Simply select "Ayurveda" as your service on the application. Coverage requires that you are in compliance with any state licensing or certification requirements, if applicable. If you also provide acupuncture or massage, please ensure you are properly licensed to provide these services and select them on the application.
What's Included?
Liability Insurance
(Malpractice and slip & fall coverage)
Plus FREE:
Business Personal Property & Business Interruption Insurance
(Covers items your business owns, your income and expenses)
Plus FREE:
Accident Insurance
(No-fault coverage for injuries or accidents that occur in your facility)
IT'S EASY TO GET STARTED!
Complete the Application
Go to the application using the purple buttons on this page. The discount will be applied automatically. NOTE: You have to access the application from this page to get the NAMA discount.
Review & Pay
Double-check your information. Please make sure the discount is applied during your checkout as this can not be refunded or added after the fact. then submit your payment.
Start Practicing!
That's it! You will have instant access to your insurance documents & the Members Only areas.
Exclusive Access To Member Benefits
Members only access to our Business Speaker Series!
We books top hosts each month to teach the business topics that matter most to our members.
Promote and Grow your Business
Members can attend or host a webinar! We will promote it for you, complete with promos you can send out to your community!
AB is booking top hosts each month to teach the business topics that matter most to our members.
Offer your services to our 12K members! Visit the discounts page once you login to the member area.
Collaborate with over 12K wellness and healers.
We're looking to feature our members and their work! If you want to show off your yoga class, eyelash skills, personal training, etc., then send in photos featuring you and we will tag your business and credit the image to you when we share it on our website or social media channels.
Add your article to our blog, complete with a link to your site.
Download industry specific waivers and templates from your member only area after you log in!
The power of 12K members brings you not only great liability insurance, collaboration and promotion, but discounts as well! As an AB member you will have access to discounts on tools to help your business, health insurance, car insurance, wellness discounts, legal discounts and more!
General & Professional Liability Aggregate
The most your policy will pay for multiple losses during a 12 -month policy period.
General Liability Insurance is designed to protect your business from lawsuits filed by people not employed by your business (clients, vendors, etc.) for claims of bodily injury and property damage due to negligence. An example of this would be a slip and fall on your premises.
Professional Liability insurance provides coverage for wrongful acts (including breach of duty, neglect, error, omission, misstatement or a misleading statement) that occur as a result of your professional instruction. This includes economic or financial losses suffered by third parties as a result of the wrongful act. An example of this would be if you programmed a workout and were accused of poor advice/instruction which led to an injury.
General & Professional Liability Each Occurrence
The maximum the insurance carrier will pay for any single bodily injury or property damage claim.
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 coverage for property damage to a premise the insured rents or has permission to use under the scope of their normal operations. Includes fire damage coverage only for premises rented for fewer than 7 days and coverage for damage from all other perils resulting from the insured's work for premises rented for more than 7 days.
Medical Expenses
Coverage that reimburses others, regardless of negligence, for medical or funeral expenses incurred by the injured party for bodily injury or death sustained by accidents 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.
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.
Participant Accident Insurance
This accident plan covers medical and death bills if one of your clients gets injured while using your services or equipment. Medical bills are settled outside of court and are NOT dependent on your liability for their injury. Learn More
- Accidental Death, Dismemberment & Paralysis Limit: $5,000
- Aggregate Limit of Indemnity: $100,000
- Accident Medical Expense Benefits Limit: $25,000
- No deductible!
- Includes all ABPG member benefits
- Pricing is based on the total number of clients you have at the time you purchase the policy
Total Insurable Value (TIV)
The Total Insurable Value (TIV) is the total amount covered on the policy for both Business Personal Property coverage and Business Interruption & Extra Expense combined.
See our coverage tiers below:
- $20,000 TIV is the sum of $10,000 BPP and $10,000 BI/EE (INCLUDED FREE)
- $50,000 TIV is the sum of $25,000 BPP and $25,000 BI/EE
- $100,000 TIV is the sum of $50,000 BPP and $50,000 BI/EE
- Over $100,001 in TIV allows custom allocation for BPP & BI/EE however services covered are limited.
Acronym Key:
TIV (Total Insurable Value)
BPP (Business Personal Property)
BI/EE (Business Interruption & Extra Expense)
Business Personal Property (BPP)
Business Personal Property (commonly called BPP) means the movable items owned by your business (such as equipment, computers, supplies, furniture, etc.). The property could be located in your home office, office building, gym, studio or other location you work from.
BPP also includes property of others in your "care, custody, and control," which basically means their property is in your possession.
Common causes of loss include but are not limited to theft, fire, water damage, vandalism, and hail.
*$10,000 BPP is included free however if you need higher coverage you can purchase that during the application process.
Deductible
The amount you pay before this plan begins to pay-out for a covered claim.
Business Personal Property Deductible:
- Under $250,000 BPP: Deductible = $500
- Over $250,000 BPP: Deductible = $1,000
Business Income Deductible: 72 hour waiting period. (This benefit begins 72 hours after the loss occurs.)
*A deductible only applies to the Accident coverage and Business Personal Property coverage, not the Liability coverage.
Business Interruption & Extra Expense (BI/EE)
Business Interruption & Extra Expense insurance (commonly called BI/EE) provides coverage when your business shuts down temporarily due to a covered loss (e.g., theft, fire, water damage, vandalism, and hail). This helps replace your income and covered expenses like rent, payroll and other financial responsibilities during times when your business is not able to operate.
We recommend choosing a coverage limit that would cover 3 months of your business income and expenses.
*$10,000 BI/EE is included free however if you need higher coverage you can purchase that during the application process.
Participant Accident Insurance
This accident plan covers medical and death bills if one of your clients gets injured while using your services or equipment. Medical bills are settled outside of court and are NOT dependent on your liability for their injury. Learn More
- Accidental Death, Dismemberment & Paralysis Limit: $5,000
- Aggregate Limit of Indemnity: $100,000
- Accident Medical Expense Benefits Limit: $25,000
- No deductible!
- Includes all ABPG member benefits
- Pricing is based on the total number of clients you have at the time you purchase the policy
Accidental Death, Dismemberment & Paralysis
This coverage pays the injured party or their beneficiaries sum in the event of death, loss of limb or paralysis as a direct result of an accident at your facility or while participating in a covered activity.
The aggregate limit is the amount the policy will pay in a 12 - month policy period.
The per accident limit is the amount the policy will pay per accident.
Accidental Medical Expense Limit
What the policy will pay for medical services expenses if a participant is injured. This covers costs like emergency room charges, doctor visits, hospital bills and other similar expenses.
Accidental Dental
The most the policy will pay for dental services required as the result of a participant's injuries from an accident.
Expenses incurred for dental services are also subject to the Maximum Accidental Medical Expense Benefits.
Benefit Period
This is the period of time between the date of the accident causing injury to the participant and the date when no further eligible expenses may be incurred by the injured participant.
Deductible
The amount you pay before this plan begins to pay-out for a covered claim
*A deductible only applies to the Accident coverage and Business Personal Property coverage, not the Liability coverage.