Liability insurance benefit.
Yours with a practicing membership.

• Is Professional and Premises Liability Insurance necessary?
  Yes, many settings where you can practice Oriental bodywork require that you are adequately insured, and even if it weren't required, as a professional you want to be protected. Our society has become quite litigious – every day we read of someone suing for large amounts of money over a very small incident. And often winning!

  Having liability insurance is a small price to pay to protect your business, your family, your future earnings, and your reputation from any claims made against you. Back yourself with the ability to protect yourself. It only makes sense.

  SOLID COVERAGE FOR ALL ORIENTAL BODYWORK TECHNIQUES

• What does the Professional and Premises Liability Benefit cover?

This comprehensive policy is from an A+ rated underwriter and is part of the Health and Beauty Risk Purchasing Group covering all Oriental bodywork techniques. There are no deductibles to this policy.

If you happen to be sued, this policy will pay for your defense and pay for any damages ruled by the court, subject to policy limits, in the following situations:

Professional Liability Insurance is also known as malpractice insurance. This protects you from claims made against you for injuries due to professional misconduct, negligence, or lack of ordinary skill in the performance of your professional work.

Advertising Injury Insurance covers suits such as libel, slander, advertising claims, and infringement of copyright, title or slogan.

Personal Injury Insurance provides you coverage in the event there is a suit claiming personal injury (as opposed to bodily injury) due to situations such as libel, slander, or invasion of privacy.

Premises Liability Insurance covers any injury that occurs within your space of work. This is also known as trip-and-fall insurance. You can be sued for any accident that occurs wherever you are working – such as tripping over a carpet in the entry way or slipping on a damp floor.

$50,000 Rental Damage Insurance covers any damages done to the space you rent – such as accidental fire damage.

Product Liability Insurance covers any suits that arise from a product that you use with your client.

• What are the limits of my coverage?
  The limit of liability coverage is $2,000,000 per occurrence and $3,000,000 individual annual aggregate. This means the insurance coverage will pay up to $2,000,000 for injury resulting from one occurrence, and it will pay up to $3,000,000 per year for the sum of all claims paid.

• Am I covered after my membership has expired or stopped?
  This policy is occurrence form, which means that you are covered as long as you were covered at the time of the incident, even if the claim is made years later and your policy is no longer in effect.

  COVERAGE WHEREVER YOU PRACTICE

• Where am I covered?
  As long as you are a law-abiding professional, you are covered wherever you work -- such as your studio, your home, a client’s home, fitness centers, spas, conventions, exhibition areas, health fairs, corporate rooms, retirement centers, resorts, and clinics.

• If I travel or move to other state am I covered?
  You are covered in all 50 U.S. states as well as the U.S. Territories. Take your coverage wherever you go.

  ADDITIONAL BENEFIT HOLDERS AVAILABLE

• My landlord requires that his company be added to my insurance for protection against claims that occur in my space? Can I do that?
  Yes, for an extra $10.00 a landlord or facility (such as a spa) can be listed as an Additional Benefit Holder on your policy. After five Additional Benefit Holders, there is no charge for adding more.

• Does this policy insure my company?
  No, this policy covers individual members of an association. If everyone in your company is a member and lists your company as additional insured, your company will be covered for all of their clients

  YOUR STUDENTS COUNT

• How many students can I teach with my policy?
  You may teach up to nine students. For classes of ten students or more, there is an additional fee of $100.

  SAME DAY PROCESSING; NEXT BUSINESS DAY SERVICE

• How soon can I get coverage?
  Coverage starts as soon as your application is processed. We do same day processing; next business day service.

  OTHER FAQ

• Can my spouse be added to my policy?
  No. Each person must join individually.

• What do I do if I have a claim?>
  Call us immediately and we will send you a claim form. The sooner we know about a situation, the better.

• Do I get a copy of the policy?
  You will receive three Certificates of Insurance. Less than 25% of our members want a copy of these policies, so we lowered the cost and made it optional.