We cover over 500 services/trades! Some of our most popular covered services are:
If you do not see your trade listed, feel free to contact us to verify.
Lloyd's of London.
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.
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 Contact@AlternativeBalance.org 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.
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.
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.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
You can renew your insurance and membership 24/7 at your convenience by logging into your account center.
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.