Alternative Balance vs Progressive Commercial

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Alternative BalanceAlternative Balance	Progressive CommercialProgressive
In one line	Liability cover for wellness, beauty, and fitness pros at $269 a year	General liability and commercial auto from a big US insurer
Starting price	From $22.42/mo	From $55/mo
Six-person team	$22.42/mo	$55/mo
Plans	$269/yr paid in full ($2M per occurrence, $4M aggregate general and professional liability; equipment cover included); higher-risk services +$139 to +$454; no monthly option	General liability median $55/mo in 2025 (average $79/mo); price depends on trade, state, and employees; commercial auto quoted separately
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Equipment and participant accident cover included	None needed
Team size	Just me	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	Every plan	Every plan
Live chat	Every plan	Every plan
Support hours	Phone: Monday-Friday 9AM-5PM (EST)	Not published
Incidents posted	We found no public status page for Alternative Balance.	We found no public status page for Progressive.
Trustpilot score	3.2 / 5 from 1 reviews (few reviews)	1.4 / 5 from 49 reviews
Fit: Retail shop	20	70
Fit: Restaurant or café	5	68
Fit: Service business	85	75
Fit: Agency or studio	10	60
Fit: Trades or contractor	25	88
Fit: Online store	10	55
Why people pick it	$2M/$4M limits for $269 a year Equipment cover included	Strong for vehicles Quote online in minutes
Where it falls short	Yearly lump sum, no monthly payments Only for wellness, beauty, and fitness practitioners	One carrier, no comparison Final price needs a quote
	Visit Alternative Balance ↗	Visit Progressive Commercial ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices