What's the cost?
Choose your level, upgrade anytime!
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TRADE SCHOOL STUDENT
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$189/yr
per year - Currently enrolled in trade school for services covered & not getting paid.
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PER DIEM
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$239/yr
per year - Working less than 10 hours per week for all services combined.
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PROFESSIONAL
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$269/yr
per year - Working more than 10 hours per week.
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EMPLOYER
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$299/yr
per year - Each Employee: +$99
What's Included?
Liability Insurance
(Malpractice and slip & fall coverage)
PLUS you automatically get:
Accident Insurance
(No-fault coverage for injuries or accidents that occur in your facility)
750+ Services Covered
And hundreds more! > See Full List...
Work Anywhere
International coverage for US based members!
Coverage for services in person, online, live or pre-recorded content!
Member Benefits
Promote your business to 12K+ members!
Webinars, templates, discounts, referral program and more available!
5 Star Support
"I have been with Alternative Balance for over a decade, they are extremely affordable, helpful and very friendly. I would highly recommend!"
-Terri G.
How to get more
Premium Services
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Acupuncture
+$229 -
Aerial Yoga and/or AcroYoga
+$129 -
Body Piercing Only
+$329 -
Cupping
+$129 -
Gym Owner
+$129 -
Hypnotherapy
+$229 -
Microneedling
+$229 -
Permanent Cosmetics
+$429 -
Pole Fitness
+$129 -
Saline Tattoo Removal
+$229 -
Sauna, Float Pod, Harmonic Egg
+$129 -
Sports Coaching & Recreational Fitness
+$129 -
Tattoo & Body Piercing
+$429 -
Tattoo Only
+$329 -
Water Aerobics
+$129 -
Water Yoga and/or Paddle Board Yoga
+$129
To see a list of excluded services and coverages, view our Excluded Services list.
Additional Protection
Need a little extra protection for your business? Consider these add-ons.
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Cyber Liability
$149$100,000 Each Claim, $200,000 Aggregate -
$50,000 Each Claim, $100,000 Aggregate
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.
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
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.
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.
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.
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
Accidental Death, Dismemberment & Paralysis
This coverage pays the injured party or their beneficiaries a set amount of money if they die, lose a limb or are paralyzed 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.
Deductible
The amount you pay before this plan begins to pay.
*The deductible only applies to the Accident coverage, not the Liability coverage.
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.
why choose AB?
Featured Members
#ABFeaturedMember of the day is Chaitni Modi! (AB member since 2021) “I`m an Integrative Nutrition Health Coach helping individuals actualize their wellness goals!” Learn more at https://www.imperfectbodies.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #ChaitniModi
Mar 16
#ABFeaturedMember of the day is Chaitni Modi! (AB member since 2021) “I`m an Integrative Nutrition Health Coach helping individuals actualize their wellness goals!” Learn more at https://www.imperfectbodies.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #ChaitniModi
#ABFeaturedMember of the day is Julie Turner! (AB member since 2018) @julieturnermvmt- “I help my clients heal their bodies through physical movement and focused exercise as a complement to traditional medicine or an alternative to drugs.” Get started today to create a better relationship with yourself and your body. Pain is not an inevitable part of life. Let your body heal you.
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 15
#ABFeaturedMember of the day is Julie Turner! (AB member since 2018) @julieturnermvmt- “I help my clients heal their bodies through physical movement and focused exercise as a complement to traditional medicine or an alternative to drugs.” Get started today to create a better relationship with yourself and your body. Pain is not an inevitable part of life. Let your body heal you.
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Heidi Sharman! (AB member since 2020.) @heidisharman-”With Certifications in Nutrition, Holistic Lifestyle Coaching, Corrective Exercise and Kinesiology, I`m passionate about helping my clients create healthier, happier lives that are more balanced and energetic and draw from my trainings and personal experiences to help them in any way I can.”
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 13
#ABFeaturedMember of the day is Heidi Sharman! (AB member since 2020.) @heidisharman-”With Certifications in Nutrition, Holistic Lifestyle Coaching, Corrective Exercise and Kinesiology, I`m passionate about helping my clients create healthier, happier lives that are more balanced and energetic and draw from my trainings and personal experiences to help them in any way I can.”
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Julia Minogue! (AB member since 2023.) @ebbandgrow - is a magical blend of science and the art of healing. “My primary focus is working with women who struggle with hormone imbalance, particularly PCOS, and want to balance the scales naturally.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 10
#ABFeaturedMember of the day is Julia Minogue! (AB member since 2023.) @ebbandgrow - is a magical blend of science and the art of healing. “My primary focus is working with women who struggle with hormone imbalance, particularly PCOS, and want to balance the scales naturally.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Jennifer Neufeld! (AB member since 2020) @experience_a_fresh_journey works to create practical experiences for individuals who know they have a lot of work to become healthy, whole, and free to live abundantly, and are wise enough to know they cannot accomplish the work alone.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 9
#ABFeaturedMember of the day is Jennifer Neufeld! (AB member since 2020) @experience_a_fresh_journey works to create practical experiences for individuals who know they have a lot of work to become healthy, whole, and free to live abundantly, and are wise enough to know they cannot accomplish the work alone.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Jessica David! (AB member since 2022.) @conveyawareness - With a decade of health coaching experience, Jessica streamlines her client’s path to well-being. She believes that the client knows their desires, goals, and values, but may need support designing the journey ahead. Through reflective listening and empathy in action, Jessica’s warm presence shapes the conversation centered on the client.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 8
#ABFeaturedMember of the day is Jessica David! (AB member since 2022.) @conveyawareness - With a decade of health coaching experience, Jessica streamlines her client’s path to well-being. She believes that the client knows their desires, goals, and values, but may need support designing the journey ahead. Through reflective listening and empathy in action, Jessica’s warm presence shapes the conversation centered on the client.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Ashley StClair! (AB member since 2020.) @wellnesswith_ashley “I help clients get to the root cause of their digestive and hormonal symptoms and give them the education, tools, and personalized protocols to support their bodies best.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Mar 3
#ABFeaturedMember of the day is Ashley StClair! (AB member since 2020.) @wellnesswith_ashley “I help clients get to the root cause of their digestive and hormonal symptoms and give them the education, tools, and personalized protocols to support their bodies best.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Tina Chabot! (AB member since 2015). @tinachabotyoga is an e-RYT 500 Yoga Teacher, Ayurvedic Health Counselor and owner of 200 RYS Tina Chabot School of Yoga. Learn more at https://www.tinachabotyoga.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #yoga #tinachabotyoga #ayurvedichealthcounselor #namaste
Mar 1
#ABFeaturedMember of the day is Tina Chabot! (AB member since 2015). @tinachabotyoga is an e-RYT 500 Yoga Teacher, Ayurvedic Health Counselor and owner of 200 RYS Tina Chabot School of Yoga. Learn more at https://www.tinachabotyoga.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #yoga #tinachabotyoga #ayurvedichealthcounselor #namaste
#ABFeaturedMember of the day is Debbie McDermott! (AB member since 2022.) “I help people and animals transform their self-limiting beliefs so they can live healthier, richer, more empowered, peaceful lives.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance
Feb 24
#ABFeaturedMember of the day is Debbie McDermott! (AB member since 2022.) “I help people and animals transform their self-limiting beliefs so they can live healthier, richer, more empowered, peaceful lives.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance
#ABFeaturedMember of the day is Ricky Tran! (AB member since 2013.) @rickytranyoga teaches yoga online as well as outdoors at Addison Circle Yoga. He also teaches teachers! Learn more at https://www.rickytranyoga.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #yoga #rickytranyoga #addisoncircleyoga #namaste
Feb 23
#ABFeaturedMember of the day is Ricky Tran! (AB member since 2013.) @rickytranyoga teaches yoga online as well as outdoors at Addison Circle Yoga. He also teaches teachers! Learn more at https://www.rickytranyoga.com/
#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB #liabilityinsurance #smallbusinessinsurance #yoga #rickytranyoga #addisoncircleyoga #namaste
#ABFeaturedMember of the day is Hadlee Garrison Goodall! (AB member since 2022.) @happyhealthyhadlee Happy Healthy Habits program is founded in modern science, Ayurveda, and behavior change strategy. “My mission is to empower, encourage, and guide health-seeking individuals to implement essential habits for a thriving body, mind, and spirit.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Feb 21
#ABFeaturedMember of the day is Hadlee Garrison Goodall! (AB member since 2022.) @happyhealthyhadlee Happy Healthy Habits program is founded in modern science, Ayurveda, and behavior change strategy. “My mission is to empower, encourage, and guide health-seeking individuals to implement essential habits for a thriving body, mind, and spirit.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Julianne Hutchcraft! (AB member since 2012.) @lotuscarekc is the Kansas City Northland’s only Certified Yoga Therapy & Wellness Studio! “We offer several healing modalities, including massage therapy & Reiki energy healing, along with a full schedule of small group yoga therapy classes designed to reduce pain & tension, support postural health, cultivate stress resiliency & restore vibrant well-being.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Feb 15
#ABFeaturedMember of the day is Julianne Hutchcraft! (AB member since 2012.) @lotuscarekc is the Kansas City Northland’s only Certified Yoga Therapy & Wellness Studio! “We offer several healing modalities, including massage therapy & Reiki energy healing, along with a full schedule of small group yoga therapy classes designed to reduce pain & tension, support postural health, cultivate stress resiliency & restore vibrant well-being.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Erin Serafino! (AB member since 2022). “I am a Well Being Navigator focusing on hypnotherapy and yoga. I do 1-1 sessions, lead small groups, and host events & retreats.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Feb 8
#ABFeaturedMember of the day is Erin Serafino! (AB member since 2022). “I am a Well Being Navigator focusing on hypnotherapy and yoga. I do 1-1 sessions, lead small groups, and host events & retreats.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Christine Zaroura! (AB member since 2020). @christinezaroura “I serve those awakening to their spirit & help bring ease to the process of dismantling the past, opening space for the future, by being present with where they are now.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Feb 3
#ABFeaturedMember of the day is Christine Zaroura! (AB member since 2020). @christinezaroura “I serve those awakening to their spirit & help bring ease to the process of dismantling the past, opening space for the future, by being present with where they are now.”
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#ABFeaturedMember of the day is Heather Corey! (AB member since 2021). @heathercoreyfitness teaches online Barre and Pilates classes. Heather offers livestream & on demand classes.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
Feb 2
#ABFeaturedMember of the day is Heather Corey! (AB member since 2021). @heathercoreyfitness teaches online Barre and Pilates classes. Heather offers livestream & on demand classes.
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#thisisAB #AlternativeBalance #LoveOurMembers #WeAreAB
#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
Feb 1
#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
Jan 30
#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
Jan 26
#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
Jan 24
#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
Jan 23
#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
Not ready to buy?
Planning ahead and don't want to forget? Let us remind you! Schedule the day you want to purchase a policy, and we'll send you a reminder.
