(Malpractice and slip & fall coverage)
Plus FREE:
(Covers items your business owns, your income and expenses)
Coverage available for policies effective 7/10/2023 forward.
Plus FREE:
(No-fault coverage for injuries or accidents your clients experience while using your services.)
International coverage for US based members!
Coverage for services in person, online, live or pre-recorded content!
Promote your business to over 13,000 members!
Webinars, templates, discounts, referral program and more available!
"This company is amazing. Not only did I find great insurance coverage at a reasonable price, but also they offer these super informative workshops on marketing, business strategies and well being. To top it off, customer support is top notch. Just recently, huge kudos and thank you to Kristine who quickly got me the link to a workshop I wanted to review. AB really has our back!"
-Sylvie R.
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.
To see a list of excluded services and coverages, view our Excluded Services list.
Need a little extra protection for your business? Consider these add-ons.
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.
The maximum the insurance carrier will pay for any single bodily injury or property damage claim.
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.
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.
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
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.
*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 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.
*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.
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.
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.
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
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.
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.
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.
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.
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.
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:
Acronym Key:
TIV (Total Insurable Value)
BPP (Business Personal Property)
BI/EE (Business Interruption & Extra Expense)
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.
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.
The amount you pay before this plan begins to pay-out for a covered claim.
Business Personal Property Deductible:
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.