FAQ
Overview of all the frequently asked questions about our insurance coverage, application, membership, and more.
COVID-19 Resources
Account How To
- How do I add an employee to my policy?
- How do I add on cyber liability coverage?
- How do I add on sexual liability coverage?
- How do I remove an additional insured from my account?
- How do I remove an employee from my account?
- How do I update my address?
Additional Insureds FAQ
- Can I add an AI over the phone?
- Can I add my business name as an additional insured?
- Can I add my spouse/ family member/ or co-worker on my policy?
- Can I change my Additional Insured to a new location?
- How do I add an additional insured?
- What if I have a custom AI that I cannot add online?
Business Insurance FAQ
- Can I add cyber liability or sexual abuse liability coverage to my current policy?
- Can I add my business name to my policy?
- Can I add my employees or independent contractors to my policy?
- Can I upgrade my coverage level?
- How do I apply for insurance coverage?
- How do I retrieve my proof of insurance if I need it again?
Claims
Coverage FAQ
- I sell supplements made by a third party. Is this covered?
- I have a website where I provide advice, is this covered?
- What are the Exclusions?
- What is the deductible?
- Does the insurance cover me internationally?
- Does the property damage coverage cover contents or business/personal belongings?
Employer Coverage FAQ
Insurance Benefits
- What type of insurance is included as a benefit?
- Can I purchase insurance alone for my business without becoming a member?
- Does Alternative Balance offer Home/Car Insurance?
- Does my membership included Disability Insurance?
- Can I get group health insurance as a member?
- Are dental plans included in my membership?
Insurance Terms
- Claims Made Coverage
- Cyber Liability
- Damage to Premises Rented to You Limit
- General & Professional Aggregate Limit
- General & Professional Each Occurrence limit
- General Liability Insurance (slip and fall)
Membership FAQ
- How do I get proof of my insurance?
- Can I join and have coverage for less than a year?
- Can my business partner and I share a policy?
- How do I renew my membership?
- How long is my membership and insurance good for?
- I am a Member and need to add an additional insured. Now what do I do?
Payment FAQ
- I’m having an issue submitting my payment.
- Can I cancel my policy and get a refund?
- Can I pay by check?
- Can I purchase membership with insurance for 6 months or less?
- Can my membership be pro-rated?
- Can someone else pay for my membership/insurance?
Trade / Service FAQ
- I do acupuncture and cupping. Is this covered?
- I provide Aerial Yoga services. Can I use silks, lyra and hoops?
- Is my gym equipment and building covered?
- Does the gym owner coverage cover my building?
- Do I need to add on my employees with the gym owner coverage?
- I'm a gym owner. Can my gym members workout without direct supervision by a personal trainer?
Using the Application
- Sign Up with Alternative Balance
- Can I do my application over the phone?
- Can I use one email if I complete several applications for different people?
- How to disable autofill in your browser
- I completed my application but when I hit review it does nothing. Why?
- It says "This email address is already registered. "