Annual Alternative Balance Membership Pricing

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 & PRICING

Which level best fits your work?
Note: Coverage is available for members based in the U.S. and covers incidents that happen internationally!

  • Trade School Student Only

    $189/yr
    Currently enrolled in trade school & not getting paid.
  • Per Diem

    $239/yr
    Working less than 10 hours per week for all services combined.
  • Professional

    $269/yr
    Working more than 10 hours per week.
  • Employer

    $299/yr
    Each Employee: +$99

PREMIUM SERVICES

These services are available for an extra premium.

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COVERAGE DETAILS

Your membership includes the following liability insurance coverage.
Coverage applies internationally for members based in the U.S.

  • 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
  • Defense Costs  

    Included

OPTIONAL COVERAGES

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.

ADDITIONAL COVERAGE TYPES

Available in your account and Members-only Insurance Suite.

  • Business Personal Property & Business Interruption  

    Starting at $474
  • Participant Accident Insurance  

    Starting at $237

These additional insurance types are currently only available to professionals in the fitness, dance, nutrition, life coaching, and health coaching industries.

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.

Body Piercing Only

Covers you for providing body piercing services only. Does not include coverage for branding, cutting, skin peeling, implantation, suspension piercing, dermal punching, voluntary amputation, tongue or penis splitting, or neck rings.

Tattoo Only

Covers you for tattoo services only. Excludes application of chemical or artificial treatments to the skin or hair, other than those usual for tattoo services; tattooing of the eyeball; and tattooing on animals.

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.

Business Personal Property

*Recommended for service providers who own business equipment.
This plan covers contents used in your business (such as equipment and technology) and loss of income if there is a covered incident preventing the regular operations of your business. Learn More

  • Business Personal Property (BPP) Maximum Limit: $500,000
  • Business Income and Extra Expense (BI/EE) Maximum Limit: $500,000
  • Choose your coverage level based on your contents and business income needs
  • Includes all ABPG member benefits

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

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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For every policy purchased between November 18 - 30, AB will donate a non-perishable item to the local food pantry. Get your policy today!
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