Total Insurance Coverage for Professionals
Coverage Wherever You Work
- Licensed in all 50 US states, as well as the District of Columbia
- Covers you in any location you practice, whether it’s in your office, a clinic, a client’s home, your home, a fitness center, spa, resort, convention, corporate office, airport, or retirement center. If your practice moves to another location or even to another state, your policy moves with you
Same Day Proof of Insurance
No quotes. No hassles. Just sign up online or give our staff a call, and we will gladly assist you. Proof of insurance will be emailed, faxed, or mailed back to you within minutes with coverage starting the day after you join. Coverage can be future dated up to 90 days.
Occurrence Coverage to Protect You From Late-filed Claims
Even if your policy period has expired, you receive coverage for any incident that happened within your policy period provided that your state’s statute of limitations has not expired. This is far better coverage than policies that only protect you if your policy has not lapsed.
Quality A-rated Coverage
Our insurance carrier is the established A-rated U.S. Fire Insurance Company, incorporated in 1824, with headquarters in Morristown, NJ offering health insurance services nationwide. There are no deductibles [money you’re responsible for] to any claims, and claims are processed quickly and efficiently.
$1,000,000 Comprehensive Coverage
If you happen to be involved in a lawsuit, and even though most claims are easily settled, an experienced attorney will represent you if needed. Whatever the outcome, this policy pays for all defense fees, such as legal fees and court costs, and up to policy limits for any judgments involving claims or allegations.
General Liability Aggregate $3,000,000
Your individual policy will pay up to $3,000,000 per policy-year for claims made against you by your clients for any injuries to them due to your work. Professional liability is included.
Premises Liability Aggregate $3,000,000
Your individual policy will pay up to $3,000,000 per policy-year for claims made against you by your clients for any injuries that occur to them at your place of work, such as slipping on the floor or falling down stairs.
Product Liability Aggregate $3,000,000
Your individual policy will pay up to $3,000,000 per policy-year for claims made against you by your clients for damage or injury resulting from a product you manufacture or use, such as oils, lotions, scents, etc.
Personal and Advertising Liability Aggregate $3,000,000
Your individual policy will pay up to $3,000,000 per policy-year for claims made against you by your clients for such things as libel, slander, infringement of privacy, and false advertising.
Per Occurrence Limit $2,000,000
Your individual policy will pay up to $2,000,000 per incident for each claim made against you by your clients.
Rental/Fire Damage $300,000
Your individual policy will pay up to $300,000 for fire damage to the premises you rent for your work as well as any water damage caused in putting out the fire.
Extended Business Coverage with Additional Insureds
This is an personal policy issued in your name, and if you are the sole proprietor (even doing business under a business name) then your business is fully insured.
If your business is a partnership, LLC, or a corporation, then you and your business associates will want to add the business name to your coverage in the event that a claim is made against you and the business.
Your business name, a landlord, employer, or venue — what the industry terms an Additional Insured — can be added to your policy to extend the protection to these individuals or organizations for just $10 each. For example, if you had a claim against both you and a conference center where you were doing your work, both of you would be covered if the conference center was added as an Additional Insured on your policy.
Additional Insureds do not cover any other individuals such as your employees, subcontractors, your spouse, friends, or other work associates.
Policy Exclusions
Our policy, which covers the vast health and beauty industry, is thorough and insures hundreds of modalities. However, there are certain areas we do not cover such as:
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- Hot stones unless you have 100 hours of training in hot stones
- Any massage using implements other than the body
- Medical spa treatments, including Botox, laser treatments, use of a lancet, and cosmetic surgery
- Permanent cosmetics, tattooing, chemical peels, Brazilian waxing
- Manipulations or adjustments of the human skeletal structure; as well as diagnosis, prescriptions, or any other service, procedure, or therapy which requires a license to practice chiropractic, osteopathy, physical therapy, podiatry, orthopedics and/or any other profession or branch of medicine
- Psychological or related therapies
- Sexual misconduct, inappropriate touch, communicable diseases
Reporting a Claim
Contact us as soon as you get notice of a claim. We will then take all the information needed for the insurance company to handle your case. There is no cost to you, and cases are settled with ease.