Hyperbaric Oxygen Therapy Center Insurance Coverage Checklist
The coverages a hyperbaric oxygen 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 medical-grade hyperbaric oxygen centers. Priorities reflect typical exposure for this class; confirm against your actual chambers and conditions treated.
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 |
|---|---|---|---|
| Medical Professional Liability | Covers treatment claims — confirm off-label and pediatric treatments are covered. | Core | |
| General Liability | Covers injuries to patients, caregivers, and visitors at the center. | Core | |
| Commercial Property | Covers chambers and oxygen systems — a chamber fire can destroy the room. | Core | |
| Equipment Breakdown | Covers sudden failure of chambers, compressors, and controls. | Core | |
| Workers' Compensation | Covers operators and nurses, including fire and pressure injuries. | Core | |
| Umbrella / Excess Liability | Adds limits over malpractice and general liability; a fire death can exceed primary limits. | Prevalent | |
| Regulatory / Board Defense | Pays lawyers for board, FDA, and billing investigations. | Prevalent | |
| Business Income | Covers lost revenue while chambers are repaired or recertified. | Prevalent | |
| Cyber / Privacy Liability | Covers patient records and billing data. | Situational | |
| Directors & Officers / Management Liability | Covers leaders — executives were criminally charged after a 2025 chamber fire. | Situational |
The coverage gap most often missed
The gap most often missed by hyperbaric centers is limits large enough for a chamber fire. When a 5-year-old died in a Michigan chamber fire in 2025, the center's leaders were charged with murder and the case drew national attention. A single fire can bring wrongful-death, burn, and property claims at once. Confirm your malpractice and general liability policies both cover chamber fires, carry an umbrella, and list every off-label condition you treat on the application.
Send us the checklist and we'll review your hyperbaric oxygen therapy center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hyperbaric Oxygen Therapy (HBOT) Center Insurance · Hyperbaric Oxygen Therapy Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hyperbaric oxygen therapy center business need?
The core coverages for a hyperbaric oxygen therapy center business are Medical Professional Liability, General Liability, Commercial Property, Equipment Breakdown, Workers' Compensation. 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 hyperbaric oxygen 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.