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**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.
**NOTE: This coverage is an endorsement to the general & professional liability -- it cannot be purchased on its own. **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.
W2 EMPLOYEES ONLY - Not intended for 1099 independent contractors
Have you had any liability claims, or are you aware of any incident(s) within the last five years that may result in a liability claim?
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Conditions for Website Use
Any applications, policy forms, or other documents on this website are for general information only. Customers and policyholders are hereby advised that AlternativeBalance.net and AlternativeBalance.com ("Alternative Balance") do not warrant that forms on this website are Alternative Balance’s current forms; represent coverage provided to any insured; or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms.
The Policy Start Date day is determined by the Alternative Balance headquarters location in New Hampshire, which is located in the Eastern Time Zone. Any required adjustments to the policy Effective Date due to discrepancies in time zone will be handled on a case-by-case basis at our discretion.
Material from this site website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the United States and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.
Alternative Balance memberships and all of our policies are 100% fully earned. This means that once a customer’s coverage begins, membership and policies are non-refundable. The one exception to this rule is when one of Alternative Balance LLC compliance officers decides the customer’s business is not compliant with an Insurance policy.
“AS IS” Use
The materials on our website are provided "AS IS" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course of performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability, or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.
Limitation of Liability
Your use of the website is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we nor any third-party as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the website or any other website you access through a link from the website or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless of whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed $100.00.
By agreeing to pay the quoted premium and directing Alternative Balance LLC to bind coverage on your behalf, you also consent and agree to receive your insurance policy/coverage documents in an electronic format. Unless the "Employer" level is selected, this policy is designed to cover only one professional.
For details on the AM Best or other insurance standard ratings for your policy carrier, please contact us.
This Professional Liability Insurance program has been organized as a purchasing group (WellnessPro Purchasing Group Inc.), for U.S. residents only, pursuant to legislation enacted by the U.S. Congress as the Federal Liability Risk Retention Act of 1986. You automatically become a member of the purchasing group once your completed application has been approved and your premium has been received.
FOR WEST VIRGINIA APPLICANTS ONLY
You agree to the following notice:
Notice: 1. An insurer that is not licensed in this state is issuing the insurance policy that you have applied to purchase. These companies are called “nonadmitted” or “surplus lines” insurers. 2. The insurer is not subject to the financial solvency regulation and enforcement that applies to licensed insurers in this state. 3. These insurers generally do not participate in insurance guaranty funds created by state law. These guaranty funds will not pay your claims or protect your assets if the insurer becomes insolvent and is unable to make payments as promised. 4. Some states maintain lists of approved or eligible surplus lines insurers and surplus lines brokers may use only insurers on the lists. Some states issue orders that particular surplus lines insurers cannot be used. 5. For additional information about the above matters and about the insurer, you should ask questions of your insurance agent or surplus lines licensee. You may also contact your Insurance Commission consumer help line.
Policies are 100% fully earned. No refunds will be given.
Visa®, Mastercard®, and Discover® cardholders:
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American Express® cardholders:
Look for the 4-digit code printed on the front of your card just above and to the right of your main credit card number. This 4-digit code is your Card Identification Number (CID). The CID is the four-digit code printed just above the Account Number.
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