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WELCOME TO ALTERNATIVE BALANCE!

Alternative Balance and SCW have partnered together to bring you a reduced rate on your Alternative Balance Membership. Every AB membership comes with general and professional liability insurance, Business Personal Property, Business Interruption and Accident insurance that follows you both in-person and online anywhere in the U.S. For those U.S. fitness folks who also work globally, Alternative Balance insurance covers you abroad. We also support you with promotion and business resources to help your fitness business grow, and events and connections with over 13K like-minded individuals. Join us through the link below!

We have you covered no matter where you practice, including online, live or pre-recorded, internationally and in-person!
Your insurance will follow you!

  • Top-tier industry coverage at $3mil aggregate/$2mil per occurrence.
  • Instant coverage once you sign up! 24/7 account access to your member portal to access your policy at any time.
  • One policy covers over 750 services! If you are a group fitness Instructor and energy worker, as well as a yoga teacher, herbalist, nutritionist, health coach, massage therapist, yoga teacher, and/or personal trainer, you will be covered under one policy!
  • We want to be your small business partner. We offer tons of member benefits including free waivers, templates, business learning webinars, discounts on products and services to help you run and grow your business.
  • Collaborate with 13K other members! Join networking events, host a webinar, and offer other members a discount on your services/classes to promote your brand.
  • Family owned and over 25 years in business, located in the heart of New Hampshire.
  • TRADE SCHOOL STUDENT
  • $189/yr
    per year
  • Currently enrolled in trade school for services covered & not getting paid.
  • PER DIEM
  • $239/yr
    per year
  • Working less than 10 hours per week for all services combined.
  • PROFESSIONAL
  • $269/yr
    per year
  • Working more than 10 hours per week.
  • EMPLOYER
  • $319/yr
    per year
  • Each Employee: +$99

We are offering a $20 discount to SCW Mania participants. Be sure to use the application on this page 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. If you are already a member check out the member benefits below- we are adding new programs and opportunities often!

Not ready to buy?

Planning ahead and don't want to forget? Let us remind you!
Fill out this form and we'll send you an email the the link to the SCW discount.

What's Included?

Liability Insurance

(Malpractice and slip & fall coverage)

  •  General & Professional Liability

    $3 Million Aggregate / $2 Million Each Occurrence
    General Liability is Occurrence; Professional Liability is Claims Made

  •  Products-Completed Operations Aggregate 

    $2 Million Aggregate

  •  Damage to Premises Rented to You 

    $300,000

  •  Personal & Advertising Injury and Defense Costs

    Included

  •  Medical Expenses

    $5,000

Plus FREE:

Business Personal Property & Business Interruption Insurance

(Covers items your business owns, your income and expenses)

  •  Total Insurable Value (TIV)

    $20,000

  •  Business Personal Property (BPP)

    $10,000

  •  Business Interruption & Extra Expense (BI/EE)

    $10,000

  •  Deductible

    $500

  • Coverage listed above is included free. Higher coverage available to purchase on application

    Up to $325,000 TIV available

Coverage available for policies effective 7/10/2023 forward. 

Plus FREE:

Accident Insurance

(No-fault coverage for injuries or accidents that occur in your facility)

  •  Accidental Death, Dismemberment & Paralysis

    $1 Million Aggregate/ $5,000 Per Accident

  •  Accidental Medical Expense Limit

    $25,000 Per Accident

  •  Deductible

    $500 Per Covered Injury

  •  Accidental Dental

    $100 Per Tooth/ $500 Max

  •  Benefit Period

    52 Weeks from Date of Accident

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.

Log in to Register

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!

IT'S EASY TO GET STARTED!

Go to the SCW application using the purple buttons on this page. The discount will be applied automatically. NOTE: You have to access the SCW application from this page to get the discount. Please make sure the discount is applied during your checkout as this can not be refunded or added after the fact.

Review & Pay

02

Double-check your information, then submit your payment.

Start Practicing!

03

That's it! You will have instant access to your insurance documents & the Members Only areas.

Family and Woman Owned

Alternative Balance is a family and woman owned business, started 25 years ago.

Our Mission

Our mission is to provide quality, ethically sourced resources to protect and help grow businesses in the alternative health, wellness and beauty industries.

5 Star Support

Our members love our customer service team: Dawn, Kelsey, Kristine and Monica! Join us today and find out why!

Featured Members

Alternative Balance

alternativebalance

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alternativebalance

#ABFeaturedMember of the day is Leslie Rose-Dethloff! (AB member since 2021) @Leslierosecoaching is a master Health & Life Coach with a Nutrition certification and host of the Healthy Teen Life podcast. Through her coaching business, Leslie Rose Coaching, she offers 1:1 and group coaching, helping teens and college-age young adults overcome challenges with their weight, disordered eating, body dissatisfaction, and constant self-judgment.
She also provides education and insights to parents via her parent newsletter, website blog, Instagram and Facebook.
Learn more at: https://www.leslierosecoaching.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #leslierosecoaching #teenhealthcoach #teenlifecoach #teencoaching #teencoach #coachingforteens #teengroupcoaching #emotionaleatingcoach #emotionaleatingsupport #wellnesscoaching

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Mar 5

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#ABFeaturedMember of the day is Leslie Rose-Dethloff! (AB member since 2021) @Leslierosecoaching is a master Health & Life Coach with a Nutrition certification and host of the Healthy Teen Life podcast. Through her coaching business, Leslie Rose Coaching, she offers 1:1 and group coaching, helping teens and college-age young adults overcome challenges with their weight, disordered eating, body dissatisfaction, and constant self-judgment. She also provides education and insights to parents via her parent newsletter, website blog, Instagram and Facebook. Learn more at: https://www.leslierosecoaching.com #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #leslierosecoaching #teenhealthcoach #teenlifecoach #teencoaching #teencoach #coachingforteens #teengroupcoaching #emotionaleatingcoach #emotionaleatingsupport #wellnesscoaching

#ABFeaturedMember of the day is Leslie Rose-Dethloff! (AB member since 2021) @Leslierosecoaching is a master Health & Life Coach with a Nutrition certification and host of the Healthy Teen Life podcast. Through her coaching business, Leslie Rose Coaching, she offers 1:1 and group coaching, helping teens and college-age young adults overcome challenges with their weight, disordered eating, body dissatisfaction, and constant self-judgment.
She also provides education and insights to parents via her parent newsletter, website blog, Instagram and Facebook.
Learn more at: https://www.leslierosecoaching.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #leslierosecoaching #teenhealthcoach #teenlifecoach #teencoaching #teencoach #coachingforteens #teengroupcoaching #emotionaleatingcoach #emotionaleatingsupport #wellnesscoaching ...

11 1

alternativebalance

#ABFeaturedMember of the day is Patrick Hogan! (AB member since 2022) @patrickog “ I help integrate fundamental human movement skills into a practice of interacting with the environment that develops a sense of empowerment and encourages play. As a life coach (certified through Martha Beck’s Wayfinder Life Coach Training), I listen deeply and with gentle inquiry help clients clarify their true nature while navigating through obstacles (such as limiting beliefs) so that they can clear the path toward a life filled with more purpose, freedom and joy.”

Learn more at: https://www.inalignedmovement.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #movementsnacks #movementislife #movemore #movemorefeelbetter #movementnotexercise #movementlifestyle

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Mar 4

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#ABFeaturedMember of the day is Patrick Hogan! (AB member since 2022) @patrickog “ I help integrate fundamental human movement skills into a practice of interacting with the environment that develops a sense of empowerment and encourages play. As a life coach (certified through Martha Beck’s Wayfinder Life Coach Training), I listen deeply and with gentle inquiry help clients clarify their true nature while navigating through obstacles (such as limiting beliefs) so that they can clear the path toward a life filled with more purpose, freedom and joy.” Learn more at: https://www.inalignedmovement.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #movementsnacks #movementislife #movemore #movemorefeelbetter #movementnotexercise #movementlifestyle

#ABFeaturedMember of the day is Patrick Hogan! (AB member since 2022) @patrickog “ I help integrate fundamental human movement skills into a practice of interacting with the environment that develops a sense of empowerment and encourages play. As a life coach (certified through Martha Beck’s Wayfinder Life Coach Training), I listen deeply and with gentle inquiry help clients clarify their true nature while navigating through obstacles (such as limiting beliefs) so that they can clear the path toward a life filled with more purpose, freedom and joy.”

Learn more at: https://www.inalignedmovement.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #movementsnacks #movementislife #movemore #movemorefeelbetter #movementnotexercise #movementlifestyle ...

11 0

alternativebalance

#ABFeaturedMember of the day is Whitney Miller! (AB member since 2019) @transcend.health.and.wellness works with individuals to empower their training and life so that they can train smarter, build strength, and live injury free. With over 25+ years of endurance sport and mental health experience, she brings the expertise of educated and powerful training to her clients. Whitney works with clients on transformation of their negative thoughts, mindset, and training habits so that they can heal their relationship with themselves and with their training. She coaches endurance athletes and active adults specializing in injury prevention, strength training, and mental mindset training.
Learn more at: http://transcendhealthandwellness.com/home

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #endurancetrainer #mindsetcoach #trainwithtranscend
#coachup #transcendhealthandwellness

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Feb 29

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#ABFeaturedMember of the day is Whitney Miller! (AB member since 2019) @transcend.health.and.wellness works with individuals to empower their training and life so that they can train smarter, build strength, and live injury free. With over 25+ years of endurance sport and mental health experience, she brings the expertise of educated and powerful training to her clients. Whitney works with clients on transformation of their negative thoughts, mindset, and training habits so that they can heal their relationship with themselves and with their training. She coaches endurance athletes and active adults specializing in injury prevention, strength training, and mental mindset training. Learn more at: http://transcendhealthandwellness.com/home #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #endurancetrainer #mindsetcoach #trainwithtranscend #coachup #transcendhealthandwellness

#ABFeaturedMember of the day is Whitney Miller! (AB member since 2019) @transcend.health.and.wellness works with individuals to empower their training and life so that they can train smarter, build strength, and live injury free. With over 25+ years of endurance sport and mental health experience, she brings the expertise of educated and powerful training to her clients. Whitney works with clients on transformation of their negative thoughts, mindset, and training habits so that they can heal their relationship with themselves and with their training. She coaches endurance athletes and active adults specializing in injury prevention, strength training, and mental mindset training.
Learn more at: http://transcendhealthandwellness.com/home

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #endurancetrainer #mindsetcoach #trainwithtranscend
#coachup #transcendhealthandwellness ...

2 1

alternativebalance

#ABFeaturedMember of the day is Jenae Yelina! (AB member since 2017) @styledbyjenae “Love what you do and you`ll never work a day in your life!”
Learn more at: https://www.jenaeyelinanyc.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #hairartist #entrepreneur #hairsalon #hairstyles #curlyhair #balayage #highlights #goodvibes

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Feb 28

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#ABFeaturedMember of the day is Jenae Yelina! (AB member since 2017) @styledbyjenae “Love what you do and you'll never work a day in your life!” Learn more at: https://www.jenaeyelinanyc.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #hairartist #entrepreneur #hairsalon #hairstyles #curlyhair #balayage #highlights #goodvibes

#ABFeaturedMember of the day is Jenae Yelina! (AB member since 2017) @styledbyjenae “Love what you do and you`ll never work a day in your life!”
Learn more at: https://www.jenaeyelinanyc.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #hairartist #entrepreneur #hairsalon #hairstyles #curlyhair #balayage #highlights #goodvibes ...

7 0

alternativebalance

#ABFeaturedMember of the day is Ginger Griffis! (AB member since 2017) @magnoliayogaandhealingarts is a yoga studio and wellness center located in Seattle’s Magnolia neighborhood. “Our mission is to create a neighborhood sanctuary for yoga and healing arts so that we may better access peace in our everyday life.”

Learn more at:https://www.magnoliayogaandhealingarts.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #seattleyogastudio #magnoliavillage #neighborhoodyoga #yoganeardiscoverypark #supportlocal #supportyourlocalyogastudio #yogaforlife #morethanjustyoga #discovermagnolia

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Feb 27

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#ABFeaturedMember of the day is Ginger Griffis! (AB member since 2017) @magnoliayogaandhealingarts is a yoga studio and wellness center located in Seattle’s Magnolia neighborhood. “Our mission is to create a neighborhood sanctuary for yoga and healing arts so that we may better access peace in our everyday life.” Learn more at:https://www.magnoliayogaandhealingarts.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #seattleyogastudio #magnoliavillage #neighborhoodyoga #yoganeardiscoverypark #supportlocal #supportyourlocalyogastudio #yogaforlife #morethanjustyoga #discovermagnolia

#ABFeaturedMember of the day is Ginger Griffis! (AB member since 2017) @magnoliayogaandhealingarts is a yoga studio and wellness center located in Seattle’s Magnolia neighborhood. “Our mission is to create a neighborhood sanctuary for yoga and healing arts so that we may better access peace in our everyday life.”

Learn more at:https://www.magnoliayogaandhealingarts.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #seattleyogastudio #magnoliavillage #neighborhoodyoga #yoganeardiscoverypark #supportlocal #supportyourlocalyogastudio #yogaforlife #morethanjustyoga #discovermagnolia ...

8 1

alternativebalance

#ABFeaturedMember of the day is Amy Salman! (AB member since 2020) @thewellnessmap “Whether they have been diagnosed with an autoimmune disease or other chronic illness, want to increase sleep and energy, reduce stress and food cravings, shed unwanted pounds, or simply live a happier, healthier life, I help them get to the root of their health challenges and prescribe a wellness plan to transform their health quickly and easily!`

Learn more at:https://www.thewellnessmap.org/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #health #wellness #holistichealth #healthcoach #nutritionist #stressrelief #autoimmunedisease #hashimotos #selfcare

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Feb 26

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#ABFeaturedMember of the day is Amy Salman! (AB member since 2020) @thewellnessmap “Whether they have been diagnosed with an autoimmune disease or other chronic illness, want to increase sleep and energy, reduce stress and food cravings, shed unwanted pounds, or simply live a happier, healthier life, I help them get to the root of their health challenges and prescribe a wellness plan to transform their health quickly and easily!` Learn more at:https://www.thewellnessmap.org/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #health #wellness #holistichealth #healthcoach #nutritionist #stressrelief #autoimmunedisease #hashimotos #selfcare

#ABFeaturedMember of the day is Amy Salman! (AB member since 2020) @thewellnessmap “Whether they have been diagnosed with an autoimmune disease or other chronic illness, want to increase sleep and energy, reduce stress and food cravings, shed unwanted pounds, or simply live a happier, healthier life, I help them get to the root of their health challenges and prescribe a wellness plan to transform their health quickly and easily!`

Learn more at:https://www.thewellnessmap.org/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #health #wellness #holistichealth #healthcoach #nutritionist #stressrelief #autoimmunedisease #hashimotos #selfcare ...

5 0

alternativebalance

#ABFeaturedMember of the day is Simona Lederman! (AB member since 2020) trauma_sensitive_healing “Part of my mission in this lifetime is to support people with a history of trauma and chronic illness to be the best version of themselves that they can be; to help them regain their power, the spark they were born with, and feel confident to explore, discover, and reach their potential. To help create change that is sustainable.“

Learn more at: https://traumasensitivehealing.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #energy #medicine #wellness #health #self #gratitude #healing #therapy

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Feb 22

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#ABFeaturedMember of the day is Simona Lederman! (AB member since 2020) trauma_sensitive_healing “Part of my mission in this lifetime is to support people with a history of trauma and chronic illness to be the best version of themselves that they can be; to help them regain their power, the spark they were born with, and feel confident to explore, discover, and reach their potential. To help create change that is sustainable.“ Learn more at: https://traumasensitivehealing.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #energy #medicine #wellness #health #self #gratitude #healing #therapy

#ABFeaturedMember of the day is Simona Lederman! (AB member since 2020) trauma_sensitive_healing “Part of my mission in this lifetime is to support people with a history of trauma and chronic illness to be the best version of themselves that they can be; to help them regain their power, the spark they were born with, and feel confident to explore, discover, and reach their potential. To help create change that is sustainable.“

Learn more at: https://traumasensitivehealing.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #energy #medicine #wellness #health #self #gratitude #healing #therapy ...

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alternativebalance

#ABFeaturedMember of the day is Reece Ritter! (AB member since 2023) @northnnaturalwellness offers 1:1 Holistic Health Coaching services. I focus on integrating all aspects of wellness to help you achieve your highest self!

Learn more at: https://www.northnnaturalwellness.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #northnnaturalwellness #peace #holistichealth

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Feb 21

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#ABFeaturedMember of the day is Reece Ritter! (AB member since 2023) @northnnaturalwellness offers 1:1 Holistic Health Coaching services. I focus on integrating all aspects of wellness to help you achieve your highest self! Learn more at: https://www.northnnaturalwellness.com #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #northnnaturalwellness #peace #holistichealth

#ABFeaturedMember of the day is Reece Ritter! (AB member since 2023) @northnnaturalwellness offers 1:1 Holistic Health Coaching services. I focus on integrating all aspects of wellness to help you achieve your highest self!

Learn more at: https://www.northnnaturalwellness.com

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #northnnaturalwellness #peace #holistichealth ...

2 0

alternativebalance

#ABFeaturedMember of the day is Simmi Chopra! (AB member since 2022) @sidhayur
is an Ayurvedic Practitioner, practicing in New York city for past few years. Have done Ayruveda Doctor program form Kerala Ayurveda. I work with my clients to empower them to make the right choices for diet and lifestyle according to their doshas/body constitution so the imbalance is corrected.

Learn more at: https://sidhayur.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #Sidhayur #ayurveda #holistichealth

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Feb 20

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#ABFeaturedMember of the day is Simmi Chopra! (AB member since 2022) @sidhayur is an Ayurvedic Practitioner, practicing in New York city for past few years. Have done Ayruveda Doctor program form Kerala Ayurveda. I work with my clients to empower them to make the right choices for diet and lifestyle according to their doshas/body constitution so the imbalance is corrected. Learn more at: https://sidhayur.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #Sidhayur #ayurveda #holistichealth

#ABFeaturedMember of the day is Simmi Chopra! (AB member since 2022) @sidhayur
is an Ayurvedic Practitioner, practicing in New York city for past few years. Have done Ayruveda Doctor program form Kerala Ayurveda. I work with my clients to empower them to make the right choices for diet and lifestyle according to their doshas/body constitution so the imbalance is corrected.

Learn more at: https://sidhayur.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #Sidhayur #ayurveda #holistichealth ...

6 0

alternativebalance

#ABFeaturedMember of the day is Donna Franklin! (AB member since 2022)
“I am a certified Transformational Health Coach helping others create lasting habit change. A year ago I started my business called "Donna`s Health Coaching", a virtual experience. I specialize in helping Women of all ages who struggle with trying to manage it all while remaining healthy. I help them improve their quality of life, reduce stress, and increase energy levels so they can feel and be fabulous every day. I offer support and accountability to help my clients succeed.”

Learn more at: https://www.facebook.com/donnahealthcoach22/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #healthcoach #lifecoach #healthyliving

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Feb 17

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#ABFeaturedMember of the day is Donna Franklin! (AB member since 2022) “I am a certified Transformational Health Coach helping others create lasting habit change. A year ago I started my business called "Donna's Health Coaching", a virtual experience. I specialize in helping Women of all ages who struggle with trying to manage it all while remaining healthy. I help them improve their quality of life, reduce stress, and increase energy levels so they can feel and be fabulous every day. I offer support and accountability to help my clients succeed.” Learn more at: https://www.facebook.com/donnahealthcoach22/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #healthcoach #lifecoach #healthyliving

#ABFeaturedMember of the day is Donna Franklin! (AB member since 2022)
“I am a certified Transformational Health Coach helping others create lasting habit change. A year ago I started my business called "Donna`s Health Coaching", a virtual experience. I specialize in helping Women of all ages who struggle with trying to manage it all while remaining healthy. I help them improve their quality of life, reduce stress, and increase energy levels so they can feel and be fabulous every day. I offer support and accountability to help my clients succeed.”

Learn more at: https://www.facebook.com/donnahealthcoach22/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #healthcoach #lifecoach #healthyliving ...

2 0

alternativebalance

#ABFeaturedMember of the day is Leanne Glasser! (AB member since 2020) @leanneglasserhc is an Intuitive Healing Guide using integrative nutrition, breathwork, mindful movement, and energy medicine to help others tap in to the innate wisdom and inner healer inside of themselves.
Learn more at: https://msha.ke/glasserhealth

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #holistichealing #integrativewellness #awakenedliving

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Feb 16

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#ABFeaturedMember of the day is Leanne Glasser! (AB member since 2020) @leanneglasserhc is an Intuitive Healing Guide using integrative nutrition, breathwork, mindful movement, and energy medicine to help others tap in to the innate wisdom and inner healer inside of themselves. Learn more at: https://msha.ke/glasserhealth #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #holistichealing #integrativewellness #awakenedliving

#ABFeaturedMember of the day is Leanne Glasser! (AB member since 2020) @leanneglasserhc is an Intuitive Healing Guide using integrative nutrition, breathwork, mindful movement, and energy medicine to help others tap in to the innate wisdom and inner healer inside of themselves.
Learn more at: https://msha.ke/glasserhealth

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #holistichealing #integrativewellness #awakenedliving ...

5 0

alternativebalance

#ABFeaturedMember of the day is Mylira Green! (AB member since 2021) @Myliratransforms is a Certified Complex Trauma Professional functioning as a Licensed Clinical Social Work who serves as a psychotherapist, Confidence Coach, Master Healer, and Transformative Speaker. She strives to provide the world with preventative services to lower the rate of suicidality worldwide.
She founded M. Green Enterprises, LLC, where she heals leaders to build a better workplace. Her goal is to provide training and consultation to businesses looking to revive the lives of their employees by taking an interest in their holistic health.
Learn more at: https://www.myliratransforms.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #reikimaster #masterhealer #confidencecoach #confidenceiskey #motivationalspeaker

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Feb 13

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#ABFeaturedMember of the day is Mylira Green! (AB member since 2021) @Myliratransforms is a Certified Complex Trauma Professional functioning as a Licensed Clinical Social Work who serves as a psychotherapist, Confidence Coach, Master Healer, and Transformative Speaker. She strives to provide the world with preventative services to lower the rate of suicidality worldwide. She founded M. Green Enterprises, LLC, where she heals leaders to build a better workplace. Her goal is to provide training and consultation to businesses looking to revive the lives of their employees by taking an interest in their holistic health. Learn more at: https://www.myliratransforms.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #reikimaster #masterhealer #confidencecoach #confidenceiskey #motivationalspeaker

#ABFeaturedMember of the day is Mylira Green! (AB member since 2021) @Myliratransforms is a Certified Complex Trauma Professional functioning as a Licensed Clinical Social Work who serves as a psychotherapist, Confidence Coach, Master Healer, and Transformative Speaker. She strives to provide the world with preventative services to lower the rate of suicidality worldwide.
She founded M. Green Enterprises, LLC, where she heals leaders to build a better workplace. Her goal is to provide training and consultation to businesses looking to revive the lives of their employees by taking an interest in their holistic health.
Learn more at: https://www.myliratransforms.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #reikimaster #masterhealer #confidencecoach #confidenceiskey #motivationalspeaker ...

8 1

alternativebalance

#ABFeaturedMember of the day is Tonya Chefchis! (AB member since 2013) @tonyasagelessskinspa “I’ve owned my spa for 10 years. Over 150 5 star reviews online! I’m so in love with my career and miss my clients if I don’t see them at least every couple months.”

Learn more at: https://agelessskinspa.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #houston #houstontx #houstonesthetician #houstonskincare #houstonskin #houstonskincarespecialist #houstonfacials #houstonfacial

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Feb 12

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#ABFeaturedMember of the day is Tonya Chefchis! (AB member since 2013) @tonyasagelessskinspa “I’ve owned my spa for 10 years. Over 150 5 star reviews online! I’m so in love with my career and miss my clients if I don’t see them at least every couple months.” Learn more at: https://agelessskinspa.com/ #ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #houston #houstontx #houstonesthetician #houstonskincare #houstonskin #houstonskincarespecialist #houstonfacials #houstonfacial

#ABFeaturedMember of the day is Tonya Chefchis! (AB member since 2013) @tonyasagelessskinspa “I’ve owned my spa for 10 years. Over 150 5 star reviews online! I’m so in love with my career and miss my clients if I don’t see them at least every couple months.”

Learn more at: https://agelessskinspa.com/

#ThisIsAB #AlternativeBalance #LoveOurMembers #WeAreAB #LiabilityInsurance #SmallBusinessInsurance #houston #houstontx #houstonesthetician #houstonskincare #houstonskin #houstonskincarespecialist #houstonfacials #houstonfacial ...

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Call: 1-800-871-3848

41 Liberty Hill, Bldg 2, Henniker, NH 03242

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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)

 

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

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.

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.

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 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.

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-out for a covered claim

*A deductible only applies to the Accident coverage and Business Personal Property coverage, not the Liability coverage.

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