Float Therapy Center Insurance Coverage Checklist
The coverages a float therapy 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 float tank and sensory-deprivation centers. Priorities reflect typical exposure for this class; confirm against your actual units and services.
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 |
|---|---|---|---|
| General Liability | Covers drownings, medical events, and falls on salty floors — confirm floats are named. | Core | |
| Professional Liability | Covers claims over orientation, screening, and emergency response. | Core | |
| Workers' Compensation | Covers staff cleaning tanks and handling salt and chemicals. | Core | |
| Business Property / BOP | Covers float units, filtration systems, and build-out. | Core | |
| Equipment Breakdown | Covers pumps, heaters, and filtration failures. | Prevalent | |
| Business Income | Covers lost revenue when units are down. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over general liability for a wrongful-death claim. | Prevalent | |
| Abuse & Molestation Liability | Covers allegations involving massage or staff in private rooms. | Situational | |
| Cyber Liability | Covers member data and online booking. | Situational |
The coverage gap most often missed
The gap most often missed by float centers is limits for a death in the tank. Clients float alone behind closed doors, and a Texas spa was sued after a first-time client was found in distress and staff called the owner before 911. A wrongful-death claim can exceed a basic policy limit. Carry an umbrella, confirm floats are listed as a covered operation, and never say drowning is impossible.
Send us the checklist and we'll review your float therapy center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Float Therapy Center Insurance · Float Therapy Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a float therapy center business need?
The core coverages for a float therapy center business are General Liability, Professional Liability, Workers' Compensation, Business Property / BOP. 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 float therapy 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.