Insurance for 750+ types of Wellness, Fitness, and Beauty Professionals

"NEXO insurance helps us support over 12,000 wellness, fitness, and beauty professionals across the country. Their exceptional service, quality insurance coverages, and quick response times allow our members to focus on their business, not the complexities of insurance."

-Miriam Ball, Chief Insurance Officer


Over 12,000+ independent professionals trust Alternative Balance for business support and insurance coverage. With insurance products designed specifically for the space, Alternative Balance members can focus on what matters most - their clients.
What's Included?

LIABILITY INSURANCE

(Errors & omissions and slip & fall coverage)

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General & Professional Liability General Liability is Occurrence; Professional Liability is Claims Made
$2 Million Each Occurrence / $4 Million Aggregate
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Products-Completed Operations Aggregate
$2 Million Aggregate
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Damage to Premises Rented to You
$300,000
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Personal & Advertising Injury and Defense Costs
Included
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Medical Expenses
$5,000

BUSINESS PERSONAL PROPERTY & BUSINESS INTERRUPTION INSURANCE

(Covers items your business owns, your income and expenses)

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Total Insurable Value (TIV)
$20,000
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Business Personal Property (BPP)
$10,000
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Business Interruption & Extra Expense (BI/EE)
$10,000
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Deductible
$500
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Coverage listed above is included free.
Higher coverage available to purchase on application
Up to $325,000 TIV available

PARTICIPANT ACCIDENT INSURANCE

(No-fault coverage for injuries or accidents your clients experience while using your services.)

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Accidental Death, Dismemberment & Paralysis
$1 Million Aggregate/ $5,000 Per Accident
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Accidental Medical Expense Limit
$25,000 Per Accident
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Deductible
$500 Per Covered Injury
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Accidental Dental
$100 Per Tooth/ $500 Max
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Benefit Period
52 Weeks from Date of Accident
Services Covered

1000+ Services Covered

Animal
Therapies
Aromatherapy
Ayurveda
Biofeedback
Bodywork
Cosmetology
Dance
Dog Walking
Doula
Energy Work
Estheticians
Fitness Instructor
Healing Touch
Life Coaching
Massage Therapy
Makeup Artists
Nail Technicians
Naturopathic Consulting
PEMF
Personal Training
Pet Grooming
Pilates Instruction
Relationship Coach (no sex coaching)
Sound Healing
Tarot & Psychic Reading
Wellness & Health Coach
Yoga Instructor
How to get more

Premium Services

Acupuncture
Aerial & Acro Yoga
Body Piercing
Forest Bathing
Forest Therapy
Hypnotherapy
Permanent Cosmetics
Microneedling
Electrolysis
Pole Fitness
Sports Coaching & Recreational Fitness
Nutritional Consultants or Therapists
Tattooing
Saline Tattoo Removal
Water Therapies & Aerobics
Water Yoga
Paddle Board Yoga
Float Pods
Sauna
Cupping

ADDITIONAL PROTECTION

Need a little extra protection for your business? Consider these add-ons.

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CyberShield $100,000 Each Claim, $200,000 Aggregate
$149
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Sexual Abuse Liability $50,000 Each Claim, $100,000 Aggregate
$189
Alternative Balance Insurance - Nexo
Experience the Difference

Why Alternative Balance?

With over 750 types of industries, including fitness instructors, yoga instructors, nutritional consultants, life coaches, health & wellness coaches, massage therapists and many more. Whether you work in-person or online (live streaming AND pre-recorded videos), our membership with insurance is the right choice for your business.

NEXO and Alternative Balance Connection

The NEXO and Alternative Balance teams provide the most robust and comprehensive insurance coverage available to alternative health, fitness, beauty, and wellness professionals. In partnership, we work together to make the insurance process easy, so you can build stronger, happier, and healthier communities.

As an insured of EnergyPro Insurance, you'll occasionally see the additional brand names NEXO and Alternative Balance throughout the process. Policy documents will include both names, but your main point of communication will be the NEXO Insurance team. We're here to help if you would like more information on each company's role.

750+
Professional Services Covered
25+  
Years in Business
12,000+
Satisfied Members
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