Industries
Insurance for Wellness Businesses
Wellness sits in an awkward spot for insurance. The work is hands-on, the claims can be bodily injury or professional in nature, and many standard carriers are unsure what to do with a sound bath, a cryotherapy chamber, or an IV bar.
BrokerPro works with markets that understand wellness operations, from yoga studios to med spas, and we ask enough questions upfront to place you with a carrier that actually covers what you do.
Common risks
Where wellness claims come from:
- Client injuries during sessions, classes, or treatments
- Allegations that a treatment caused harm or worsened a condition
- Slip and fall injuries in studios and locker areas
- Claims tied to modalities a policy did not list, the most preventable problem in this space
- Sensitive client health information in booking and records systems
Recommended coverage
A wellness business package usually includes:
General liability
premises and operations, required by most studio leases
Professional liability
covers the treatment and instruction side of claims
Property / BOP
equipment, build-outs, and lost income
Abuse and molestation coverage
increasingly expected for hands-on practices
Cyber liability
client records and payment data
What landlords, clients, and contracts commonly require
- Studio and gym leases require GL, typically $1 million, with the landlord as additional insured
- Franchise and licensing agreements may set higher requirements
- Some modalities require certification proof for professional liability to apply
Common questions
My policy was written for massage but I added new services. Am I covered?
Maybe not. Professional liability in wellness is modality-specific on many forms; services you add after binding may not be covered until they are added to the policy. When your service menu changes, tell us. It is usually a quick endorsement.
Can instructors and practitioners be covered under the studio policy?
Employees usually can. Independent contractors often need their own professional liability, and your policy may require proof. How your people are classified changes the structure, so we map it before quoting.
We offer IV therapy / injectables. Does that change things?
Yes, significantly. Medical and med spa services move you into markets with medical professional liability and stricter underwriting around protocols and supervision. We place these, but the application process is more involved.
Insurance built around how wellness businesses actually work
Send us the basics. We'll ask the right questions and come back with options.