Coverage & Pricing

Every Alternative Balance policy/membership includes the most value at the most affordable price for employers, professionals, students and part-time workers in the health, beauty, fitness and wellness industries.

We understand that your business changes and grows, so we have four coverage levels to fit where you are now and later! It's so simple to get started! Our instant online application covers all your services on one policy. If you want to be sure that we cover your type of service, feel free to contact us!



(Currently enrolled in trade school)
Per Diem
(Working less than 10 hours per week)
(Working more than 10 hours per week)
Each Covered Employee

Insurance Carrier

Lloyd's of London

Included Coverage


General & Professional Aggregate    $3,000,000
(General Liability is Occurrence Coverage)
Products-Completed Operations Aggregate    $2,000,000
Personal & Advertising Injury    Included
General & Professional Each Occurrence    $2,000,000
Damage to Premises Rented to You    $300,000
Medical Expenses    $5,000

Optional Endorsements


Sexual Abuse Liability  ($147/yr)   $50,000 Each Claim, $100,000 Aggregate
Cyber Liability ($142/yr)    $100,000 Each Claim, $200,000 Aggregate

Services Covered

For a more complete list, see Services pages.
Cosmetology & Nail Technicians Included
Estheticians & Aromatherapy Included
Bodywork, Energy Work, Dance Included
Massage Included
Yoga Included
Animal Bodywork Included
Pilates, Fitness & Personal Training Included
Biofeedback Included
Ear Candling Included
Ayurveda Included
Wellness & Life Coaching Included
Naturopathic Consulting Included
Nutrition Included
Herbalist (Herbal) Consultations Included
Premium Therapies:  
Water Aerobics, Water Yoga, Paddle Board Yoga +$100
Acupuncture +$207
Sports Coaching & Recreational Fitness +$100
Aerial YogaAcroYoga +$127
Pole Fitness +$100
Sauna (must be integrated with a therapy) +$100
Available only in California, Colorado, Connecticut, Florida, Illinois, New Jersey, Texas, Utah, and Washington
Cupping (must be integrated with a therapy) +$100
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**Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.
Click here to read the exclusions list.

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