Ayurvedic Wellness Center Insurance Coverage Checklist
The coverages an ayurvedic wellness center business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for Ayurvedic wellness centers and Panchakarma programs. Priorities reflect typical exposure for this class; confirm against your actual services and products.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers client injury claims from consultations and treatments — confirm Ayurveda and Panchakarma are named services. | Core | |
| Products Liability | Covers herbs, oils, and formulas you sell, including imported products. | Core | |
| General Liability | Covers slips on oily floors and other injuries at the center. | Core | |
| Sexual Misconduct / Abuse Liability | Covers claims arising from hands-on bodywork. | Prevalent | |
| Workers' Compensation | Covers therapists and staff. | Prevalent | |
| Business Property / BOP | Covers treatment equipment, herb inventory, and the build-out. | Prevalent | |
| Regulatory / Board Defense | Covers legal costs if a regulator alleges unlicensed practice of medicine. | Situational | |
| Cyber / Privacy Liability | Covers client health intake data. | Situational | |
| Media / Advertising Liability | Covers claims over health and wellness marketing. | Situational |
The coverage gap most often missed
The gap most often missed by Ayurvedic centers is the herbs. FDA has found lead, mercury, and arsenic in imported ayurvedic products, and a center that sells or dispenses them can be treated like the seller. A professional liability policy may not cover products, and a products policy may exclude imported goods or untested supplements. Confirm herbs are covered, buy from suppliers who test for heavy metals and name you as additional insured, and confirm Panchakarma is a covered service.
Send us the checklist and we'll review your ayurvedic wellness center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Ayurvedic Wellness Center Insurance · Ayurvedic Wellness Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an ayurvedic wellness center business need?
The core coverages for an ayurvedic wellness center business are Professional Liability, Products Liability, General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my ayurvedic wellness center coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.