Infrared Sauna Studio Insurance Coverage Checklist
The coverages an infrared sauna studio 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 infrared sauna studios and infrared fitness studios. Priorities reflect typical exposure for this class; confirm against your actual equipment and hours.
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 sauna burns, fainting, slips, and other injuries at the studio. | Core | |
| Professional Liability | Covers claims tied to sauna sessions and guidance — confirm saunas are not excluded. | Core | |
| Business Property / BOP | Covers saunas, wiring, and the build-out; sauna heaters are a fire source. | Core | |
| Workers' Compensation | Covers staff and trainers. | Core | |
| Equipment Breakdown | Covers repair of sauna heaters and control panels. | Prevalent | |
| Business Income | Replaces income if a fire or outage closes the studio. | Prevalent | |
| Products Liability | Covers sauna blankets and products you sell. | Situational | |
| Cyber / Privacy Liability | Covers member health questionnaires and billing data. | Situational | |
| Media / Advertising Liability | Covers claims over weight-loss and detox marketing. | Situational |
The coverage gap most often missed
The gap most often missed by infrared sauna studios is that some general liability policies treat saunas as a professional service, and some professional policies leave saunas out. A client who faints and is burned can fall between the two. Confirm one of your policies names infrared sauna sessions as covered, and keep heater listing and electrical inspection records on file.
Send us the checklist and we'll review your infrared sauna studio coverage line by line, then market it across multiple carriers that compete for your account.
Related: Infrared Sauna Studio Insurance · Infrared Sauna Studio Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an infrared sauna studio business need?
The core coverages for an infrared sauna studio business are General Liability, Professional Liability, Business Property / BOP, 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 infrared sauna studio 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.