Business Insurance

  • Step 1: Hover over BUY POLICY tab at top of page and choose plan.
  • Step 2: Complete application
  • Step 3: Review your application and enter payment information
  • Step 4: Submit
That's it! You're covered!
Instantly! As soon as your application and payment is received, your membership and insurance is active. Applications take less than 10 minutes!
Confirmation is sent instantly to your email, and you will be able to access your account information and print your certificate and/or policy directly from your online account at any time.
Yes, your business name can be added to your policy for free on the initial application, the renewal application, or through your My Account center. If you need to list a business name other than your own, it would be listed as an additional insured.
No, this policy is designed for one individual professional. Each professional must have their own policy.
Yes, coverage follows you everywhere you teach or provide your service in the United States. You must be abiding by state and local laws for your specific trade for the insurance to be valid.
At any time, you can login to your account center and go to "My Policies". Click the policy you need proof for, and you will see a link to download all of your documents.
The coverage limits are as follows. You can also see this information on our Coverage page.

Included Coverage

Plan A

Buy Now

Plan B

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General & Professional Aggregate  $3,000,000 $3,000,000
Products-Completed Operations Aggregate  $3,000,000 $2,000,000
Personal & Advertising Injury  Included Included
General & Professional Each Occurrence  $2,000,000 $2,000,000
Damage to Premises Rented to You  $300,000 $300,000
Medical Expenses  $5,000 $5,000
Inland Marine/Business Personal Property  $2,000 Not Included
Inland Marine Deductible $150 N/A
Identity Recovery Coverage  $15,000 Not Included
Identity Recovery Deductible $250 N/A
Optional Product Liability Add-On Available
Learn More
Not Available

It depends on the kind and cost. Under the Business Personal Property/Inland Marine coverage ($2,000 limit), coverage is provided for tangible property used for business. If the value is more than $2000, and it is permanently fixed into the floor or wall (i.e., not movable), then no coverage is provided.

Theft of property under the Inland Marine section is covered as long as there is physical evidence of the theft. This means that unexplained loss, mysterious disappearance, or inventory shortage is not considered a theft and is not covered under our policy. For example, if you have business property in the back of your truck and when you return from an errand it is gone, that will be considered mysterious disappearance and no coverage will respond. If the property was in the cab of the truck and the window was broken, then that means there is physical evidence of a theft and the policy would respond.

We cover over 500 services/trades! Some of our most popular covered services are:

  • Massage Therapy (Includes Hot Stone, Alexander Technique)
  • Bodywork (Including Reflexology and Acupressure)
  • Energy Work (Including Reiki, Tai Chi, and Polarity Therapy)
  • Yoga Teachers (including Kripalu, Bikram, and Kundalini)
  • Animal Therapies (Includes Equine Massage)
  • Esthetician (Includes Microdermabrasion)
  • Cosmetologist (Includes Permanent Waves & Wig Stylist)
  • Nail Technicians (Includes Manicures and Pedicures )
  • Fitness (Includes Personal Trainers, Fitness Instructors)
  • Dance (Includes Zumba, Belly Dancing)

Plan B also covers:

  • Bio‐Feedback
  • Ear‐Candling
  • Ayurveda
  • Wellness & Life Coaching
  • Naturopathic Consulting
  • Nutritionist, Nutritional Consultants, Nutritional Therapist
  • Herbalist (Herbal) Consultations

If you do not see your trade listed, feel free to contact us to verify.

Plan A is backed by Great American Insurance Group.

Plan B is backed by Lloyd's of London.

We have a level of business personal property coverage that will address such items as products, supplies, inventory, etc., with an aggregate limit of $2,000. Equipment can sometimes fall into that category, but this policy is not designed to completely cover equipment and machines. If you are looking for higher than $2,000 of coverage, then unfortunately this policy would not be able to accommodate that need. We would recommend contacting a local agent to find coverage specifically for your equipment.

Additional Insured

An additional insured (AI) is reserved for a business name or landlord you want listed on the policy. It is not for other professional providers and/or co-workers.

When you add a landlord or business name to your policy as an AI, you are extending your policy coverages to protect them from any lawsuit that was caused by your negligence.

In other words, if someone slipped in your space of service and broke their arm, the injured person would sue you and the AI. Since the landlord or business name is added as an AI, your insurance policy would protect both you and them in the suit.

There is a $10 charge for each additional insured.

Simply log in to your account. Go to "My Policies," then click the link to your current policy number. Scroll down and you should see a button that says "Add Additional Insured." Click that button, enter required information, click submit, and then you can download and/or print your certificate.
No, the policy is only in your name (as the professional). You can only add a business name or landlord.

We recommend trying to add your AI in your account center first, as you will have instant access to the updated certificate in your account after you make the additions. If you have problems online with the AI or have other concerns, we welcome your call.*

*Please note AI's done over the phone may take up to 24 business hours to process, and a service charge may apply.

If you have specific or unique verbiage required by an additional insured, we recommend that you email us directly with this information, and we will manually issue the updated certificate and/or accord. Email us at AlternativeBalanceteam@gmail.com with subject line "AI Custom." Contact us if you have further questions.

Most custom certificates can be processed within 24 hours during regular business hours.


For the membership with insurance to be valid, you must be, at all times, abiding by all state and local laws regarding your specific trade(s).
Because we work with over 500 trades and all 50 states, we simply cannot expect everyone to follow the same requirements, so we break it down by individual state/service. We believe this is the fairest way for our members, as one should not be required to follow another state's laws if they are not practicing there.
Yes, this policy will follow you where ever you go as long as you follow the specific state laws regarding the service you provide.
Though we do ask for a license or certification number on your application, it simply is not required by us or our agent(s). If a claim is submitted, the insurance company may ask for proof of this at that time to make sure you were legally operating.

Application FAQ

NO, each application (account) must have a unique email address. This is for security reasons as well as to ensure that errors do not occur.
Please use your best mailing address so we can send any important information, renewal notices, etc., to you. The plan covers you at every address as long as you are abiding by state and local laws.

Yes. However, for the most efficient service, we recommend that you complete the application online. Online applications are instant with proof sent to your email and your account center the moment you pay. Get started with our fast and easy application here.

* Additional fee of $20 apply to all phone applications.

If you stay on the application page, first check that all of the "*Mandatory fields" are completed. All fields must be filled in or it will keep you on the page. If you have completed the application in full, and still are having issues, please contact us.
There is a drop down box on the application for Additional Insureds located under the mailing option section. Please click the drop down arrow and select how many additional insureds you need and it will produce the fields to enter the information.
If you enter your email into the application and it warns you that it is already in use that means you already have an account on the website. Please use that email to login in the upper right hand corner of the home page. If you do not recall your password you can reset it. That will bring you in your account center where you can add a policy.

Membership FAQ

Yes. To view the specific coverages included, please visit our Coverage page.
Membership with insurance is active for one year from the date you sign up.
No, we do not pro-rate coverage or have membership levels for less than one year.
Instantly! As soon as your application and payment is received, your membership and insurance is active. Applications take less than 10 minutes! Get started now!

Confirmation is instantly sent to your email and your official insurance documents (including policy) are available in your account center 24/7.

Simply login to your account and click "My Policies." Here you will see all policies purchased and will be able to download those as a PDF for printing or saving.

Simply log back in to your account. Under the policy screen, you should see an option to "Add Additional Insured." Enter required information, email and/or print your certificate.

Insurance Terms

A policy providing liability coverage only if a written claim is made during the policy period or any applicable extended reporting period.
The maximum amount 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 operations and professional services.
A form of insurance designed to protect practitioners from liability exposures arising out of accidents resulting from the premises.
Insurance for a professional practitioner that will (1) defend suits instituted against him/her for malpractice, and (2) pay any damages set by a court, subject to policy limits.
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 manufactured, sold, or distributed.

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 slanders 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
The maximum amount the insurance carrier will pay for any one bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
Liability coverage for property damage to a premises for which the insured is liable. This coverage applies to a premises which the insured rents or has permission to use.
Coverage that reimburses others, whether you are liable or not, for medical and funeral expenses incurred by a third party. If medical expenses exceed the $5,000 limit provided, and you are held legally liable for the damages, then your $2,000,000 per occurrence limit will respond. This provides NO coverage to you or your employees.
A type of property coverage designed to insure your business personal property that is not at a fixed location. This includes coverage for business personal property while in transit over land and computerized equipment. This does not provide coverage for any fixed structures.

This protection provides reimbursement for fraudulent use of your social security number to establish credit accounts, secure loans, enter into contracts, or commit crimes. This coverage will provide Case Management Service and Expense Reimbursement for the re-filing of applications for:

  • Loans, grants, or other credit instruments
  • Cost of notarization, postage, long distance phone calls as a result of your efforts to report an identity theft, or amend or rectify records as to your true name or identity
  • Cost for up to 12 credit reports from established credit bureaus
  • Attorneys fees and expenses for:
    • Civil suits brought against you by a creditor or collection agency due to the result of an identity theft
    • Removing any civil judgments against you as a result of an identity theft
Coverage will respond to incidents arising from the coverage period, regardless of when those claims were reported.

Payment FAQ

NO. Since you are automatically enrolled in the system once an application has been accepted, we are unable to provide a refund. All fees paid to Alternative Balance in relation to your application are "non-refundable” unless the application is refused by Alternative Balance.
No, all memberships are for one full year. We do not pro-rate.
We do not offer payment plans at this time. Full payment is due at the time of the application.
No, the insurance and membership is for one year ONLY and cannot be pro-rated.
If you purchased membership/insurance with a credit card or debit card, your statement will show a charge from Alternative Balance. Depending on your merchant descriptions, it could also show several different other forms of our name abbreviated.
If your payment fails, you have a choice to try again. The most common reason for payment failure is when the card numbers are entered incorrectly. Please be sure that all digits match before submitting the application. If all of the numbers are correct and it still will not work, please try another card.
When you attempt to make a payment, a pre-authorization is done. When it fails, it is denied but a pre-auth may still show on your account with your institution but is removed "automatically"--usually within 2-3 business days, depending on your institution. Since technology is so fast, people who view online accounts can see pre-auths, etc., which normally would never be shown on a printed statement; say, via mail. It is only our quick view now of our online accounts that we see this before it is actually removed. Your account will only be charged once, and you will see only one charge once this pre-auth is removed.
FMF means Fraud Management Filter. It is a block on your credit card that will not allow companies to process the card through Paypal. Please use a different card to pay online that doesn't have these settings. You can also mail in the print application with a check.
Yes. If another party pays online for you, please make sure your party knows about this charge and what their statement will read.
You are always going to be responsible for your account no matter who pays. All receipts and invoices will be in your name and sent directly to you, so make sure that it is your email address on the account.
No, We do not accept checks online. As of March 1st 2015 we are no longer accepting checks by mail.

Renew - How To

You can renew your insurance and membership 24/7 at your convenience by logging into your account center.

  • STEP 1: Login to your account
  • STEP 2: Click "My Policies"
  • STEP 3: Click "RENEW" next to the most recent policy and on the next page select a plan
  • STEP 4: Complete new form and make a secure payment with credit card

That's it! You are issued a new policy. Confirmation is instantly emailed to you and your policy is available instantly in your account center.

Please note: Your effective date will not change unless it has lapsed.

If you cannot renew online and wish to renew by phone, please allow 3-5 business days for processing. 1-800-871-3848 M-F 9am-5pm EST

If your account has lapsed please login into your account and click "Add New Policy."

You can also contact us by phone. Service fees may apply.

Please note that any lapsed account will be issued a new policy number and effective date.

Product Liability (Add On): Can only be added to Plan A

Product liability is an "add on" to the membership that includes our standard plan of professional and general liability. It must be purchased online and is available to new members and current members. As a new member, simply choose the product liability option on our application.

If you are renewing your membership, renew online and select the Product Liability option on your renewal application.

If you are a current member, login to your account and choose your current policy and simply click the "Add Product Liability" button.

*Please note if you are a current policy holder adding product liability, it will not be pro-rated. It will be active from the date of purchase until your expiration date.

Our rates are based on your annual gross sales.

Up to $50,000 the rate is $650 a year

$50,001-$100,000 the rate is $750 a year

Our rates (all around) are much lower because of our large number of association members nationwide and our automated system being so efficient which cuts administrative cost.
  • Drugs, Pharmaceuticals, Vitamins or Supplements intended to be ingested.
  • Any product requiring a prescription.
  • Toys, except when included for no additional charge as a promotional item with sale of an approved health or beauty product.
  • Electrical products.
  • Log in to your account center
  • Click "My Policies"
  • Choose the most current policy
  • Scroll down to the Download Options section and click the button that says "Product Endorsements"
No, the product liability is an "add on" to our membership with insurance coverage.
  • Soaps
  • Hand & Body Lotions
  • Facial & Body Creams
  • Natural Cosmetics
  • Lip Balms
  • Bath Salts
  • Essential Oils
  • Body Powders
  • Hair Care Products
  • Perfume & Body Fragrances

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