Liability Insurance for American Members

GAIN is happy to be able to provide our members with comprehensive professional liability coverage at competitive rates within the USA.

The policy offers the option of both Commercial General Liability (CGL) AND Errors and Omissions Insurance (E&O).  

Why choose a GAIN group liability plan? 
These plans were created specifically for Holistic Nutrition Professionals and Health Coaches to address the needs of their operations.

The policy can include both Commercial General Liability (CGL) AND Mandatory Errors and Omissions Insurance (E&O).  

Professional Liability Only: $246 USD annually
Optional Professional Liability with Premises Liability: $396 USD annually

Coverage Details: 

• Zero Deductible
• Portable coverage within the 50 U.S. states
• Professional Liability on a claims-made basis
• Professional Liability Limits: $1,000,000 each occurrence/$3,000,000 aggregate
• Optional Premises Liability
• Unlimited Defense Coverage
• Deposition Expense Coverage: $5,000 per deposition/ $15,000 aggregate
• State Licensing Board Defense Coverage: $25,000 aggregate

OPTIONAL: Commercial General Liability

Commercial General Liability is for practitioners who meet their clients face-to-face and / or have a bricks and mortar location. It provides coverage for bodily injury or property damage to a third party. Commercial General Liability (CGL)  does not include coverage for any professional services listed above for Errors & Omissions and must be purchased in conjunction with the E&O coverage.
CGL is a non-mandatory ad-on (see additional extension coverage below). ​

​Our professional liability policies do include some coverage for bodily injury and property damage claims in the direct space in which services are rendered while the services are being rendered under the Supplemental Liability coverage. However, you can also add comprehensive general liability coverage (also known as Premises Liability) for an additional $150 for life / health coaches, which covers bodily injury and property damage claims on the entire premises of where you are providing services while you are not rendering services. This is often called “Slip and fall” coverage / insurance.
This coverage includes $1,000,000 per occurrence/$3,000,000 aggregate limits of liability for slip n’ fall claims, $250,000 of fire/water legal liability coverage, and personal liability coverage is included in the general liability limits of liability. General liability is issued on an Occurrence basis.
*Please note: Our agents can provide portable coverage within the 50 United States. This coverage does not extend internationally (including Canada and Mexico).​

Terms:
The policy period is one year and renews one year from the time of purchase. 

​You must be a current member of GAIN to be eligible for the group discounted rates.  Proof of membership is required.
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Please note that the GAIN has the authority to suspend members who falsely claim they carry liability insurance in their registry profile while practicing or who do not provide proof of their liability insurance coverage when asked to do so.​