Recovery & Wellness Studio Insurance Coverage Checklist
The coverages a recovery & wellness 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 non-medical recovery studios offering cryotherapy, infrared sauna, cold plunge, compression, red-light, float, and similar services. Priorities reflect typical exposure for this class; confirm against the studio's actual service menu.
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 |
|---|---|---|---|
| Commercial General Liability | Covers client and visitor injuries — slips near plunge pools, falls, and premises accidents. Confirm each service is named in the description of operations. | Core | |
| Professional Liability | Covers injuries from the service itself — frostbite from cryotherapy, burns from saunas, fainting after heat or cold. Many GL policies exclude professional or health services. | Core | |
| Commercial Property | Covers cryo chambers, saunas, plunge tubs, and compression and light devices — often the studio's largest investment. | Core | |
| Workers' Compensation | Staff handle liquid nitrogen, work around water and heat, and can be exposed to low-oxygen conditions. | Core | |
| Equipment Breakdown | Covers mechanical and electrical failure of chillers, saunas, and cryo units, plus income lost while they are down. | Prevalent | |
| Products Liability | Needed if the studio sells supplements, topicals, or private-label products. | Prevalent | |
| Abuse & Molestation / Sexual Misconduct | Private treatment rooms and hands-on stretch or body services create allegations exposure that GL commonly excludes. | Prevalent | |
| Cyber / Privacy Liability | Covers client health screening forms, membership billing, and stored payment data. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL and PL; asphyxiation, cardiac, and hyperbaric fire events carry catastrophic severity. | Prevalent | |
| Employment Practices Liability | Covers claims by front-desk and service staff. | Situational | |
| Business Income | Replaces income if fire, water damage, or a regulator closes the studio. | Situational |
The coverage gap most often missed
The gap that catches recovery studios most often is the line between general and professional liability. Carriers define "professional services" differently, and some GL policies exclude professional or health services — which can sweep in a frostbite claim from cryotherapy or a burn from a sauna session. In a 2026 federal case, a GL insurer sued its cryotherapy-studio insured to recover a $275,000 settlement under exactly that kind of exclusion. Confirm in writing that every service is named on the policy and that GL and professional coverage fit together with no gap between them.
Send us the checklist and we'll review your recovery & wellness studio coverage line by line, then market it across multiple carriers that compete for your account.
Related: Recovery & Wellness Studio Insurance · Recovery & Wellness Studio Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a recovery & wellness studio business need?
The core coverages for a recovery & wellness studio business are Commercial General Liability, Professional Liability, Commercial Property, 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 recovery & wellness 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.