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You will find information on liability insurance and discounts here: benefits. The provided link MUST be used in order to redeem the reduced cost.
As of 2025, the average cost of business liability insurance in the United States varies depending on factors such as business size, industry, location, and coverage limits. Here's a breakdown of typical costs:
Average Monthly Premium: Approximately $42 to $67
Average Annual Premium: Around $500 to $805
Coverage Limits: Commonly $1 million per occurrence and $2 million aggregate Forbes+5NerdWallet+5Insureon+5Investopedia+8The Hartford+8Forbes+8Insureon+1Homebase+1
GLI is essential for most businesses, covering third-party bodily injury, property damage, and advertising injury claims.Investopedia
Average Monthly Premium: $50 to $100
Average Annual Premium: $600 to $1,200
Includes: General liability and commercial property insurance Forbes+4Investopedia+4Kinsta®+4
A BOP bundles essential coverages, often at a discounted rate compared to purchasing policies separately.WSJ+1Investopedia+1
Insurance premiums can vary significantly by industry due to differing risk levels:smallbusinessinsurancewizard.com+1Forbes+1
Retail Businesses: $700–$1,500 annually
Professional Services: $700–$1,300 annually
Wholesale Trade: $700–$2,500 annually
Accommodation and Food Services: $1,000–$3,000 annually
Construction Businesses: Up to $5,000 annually insurance2025 life+3NerdWallet+3Homebase+3Homebase+1NerdWallet+1
Premiums also differ by state. For example:
California: $42/month
Florida: $49/month
Texas: $42/month Investopedia+4Insureon+4NerdWallet+4
Businesses in areas with higher crime rates or increased foot traffic may face higher premiums.Investopedia+7Insureon+7Insurance Business America+7
Professional Liability Insurance: $350–$1,800 annually, depending on industry and risk factors
Workers' Compensation Insurance: $35 to $120 per month
Commercial Auto Insurance: $125 to $575 per month
Cyber Insurance: $40 to $145 per month insurance2025 lifeWSJ
To manage insurance costs:
Bundle Policies: Combining multiple coverages can lead to discounts.
Increase Deductibles: Higher deductibles can lower premiums, but ensure they remain affordable.
Implement Safety Measures: Risk mitigation strategies can reduce premiums.
Shop Around: Compare quotes from multiple insurers to find the best rates.WSJ+2Investopedia+2Associated Insurance+2Associated Insurance
For a more accurate estimate tailored to your specific business needs, consider consulting with an insurance broker or using online quote tools provided by insurance companies.
Financials: https://naha.org/about/core-documents/financial-documents/
Bylaws: https://naha.org/about/core-documents/bylaws/
Code of Ethics: https://naha.org/membership/code-of-ethics/
Business Members
Article 3, Section 2(C) -- Business Member, Benefit 3(e):
"Business Members may vote and hold office in the association."
Article 5, Section 2(C) -- Elections, Voter Eligibility:
"Eligible voters shall be Professional/Business members in good standing who are current members two consecutive years prior to the date set for elections."
Article 5, Section 5(A) -- Eligibility for Candidacy:
"A candidate for elected office must be a Professional/Business member in good standing with the association for a minimum of two consecutive years."
Summary: Business members may vote and hold office, and the bylaws place them on equal footing with Professional members for both voting and candidacy purposes. The only condition is the two consecutive years of membership in good standing prior to the election date (same as professional members).
Note: Unlike the Professional member classification, which requires 200 hours (or equivalent), the business member classification has no educational-hour requirement. The qualifying criteria are simply that the entity or individual "offers aromatherapy and other health-related products or services to the aromatherapy/health industry."
Donor Members
Because Donor is listed in the classification roster but never defined, and because Article 5, Section 2(C) restricts eligible voters to "Professional/Business members in good standing" with two consecutive years of membership, a Donor member would not qualify to vote.
Not a member yet but would like to stay up to date with NAHA? Considering joining but would like to explore the National Association for Holistic Aromatherapy more? Join our e-newsletter today and stay in touch.
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National Association for Holistic Aromatherapy
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The National Association for Holistic Aromatherapy is a 501(c)3 non-profit association.
All material provided on this website is provided for informational or educational purposes only, and is not intended as a substitute for the advice provided by your healthcare professional or physician.
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