Coverage built for contrast therapy, sauna, and cold plunge studios. Your sauna, cold plunge, float tanks, red light, and compression are covered as your core business, not bolted-on amenities.
Recovery studio insurance starts at $39/mo and covers the heart of a recovery business: sauna, cold plunge, and contrast therapy, plus float tanks, red light therapy, and compression. It is general liability, professional liability, and property coverage written for a passive-recovery facility, so a wet floor, a heat-related incident, or a damaged float tank is covered, and your studio is rated as what it is instead of lumped in with med-spas.
Recovery-only business? You're in the right place.
This policy is built for businesses whose entire operation is recovery: sauna, cold plunge, contrast therapy, float, red light, and compression, with no general gym floor. If you run a gym or studio that happens to have a sauna or cold plunge, choose our gym insurance instead. Those policies cover your gym activities and your recovery equipment together on one policy, so you're not splitting coverage. Here's how cold plunge and sauna coverage works on a gym policy.
Contrast therapy went from a pro-athlete recovery trick to a storefront on every corner faster than carriers could keep up. So owners opening a sauna and cold plunge studio kept hitting the same wall: call three carriers, get three different answers on whether the cold plunge is even covered, and a quote that treats the sauna like a Botox-and-laser medical spa. The honest version is simpler. Passive thermal and contrast recovery is a premises and operations risk, the same family as a gym, and it should be priced and covered that way.
Wondering whether a sauna-and-plunge studio counts to a company built around gyms? It does. Recovery is part of the fitness community we serve, so we built coverage for it on purpose instead of bending a gym policy to fit. When you apply, you'll choose Spa and Wellness as your business type, and your recovery services are covered as your declared operations, equipment included at replacement cost, from $39/mo. That's what Gym Insurance by PushPress is for.
A recovery studio's risk is not spread evenly. A few coverages carry most of the weight, so here is where each one matters most.
This is the coverage that answers the most common recovery-studio claims: a member slips on a steamy or splashed floor, a guest faints from heat in the sauna, or someone has a cold-shock reaction stepping out of the plunge. General liability covers those bodily-injury claims and the legal defense, at $1M per occurrence and $3M aggregate. It is also the coverage your landlord writes into the lease. More on general liability.
Your staff guides how members use the equipment: how long in the sauna, how cold and how long in the plunge, who should sit a round out. If a member says a recommended protocol contributed to an injury, professional liability answers it. Generic policies often leave this out, and it is exactly the piece a guidance-driven recovery business needs. More on professional liability.
A single float tank can cost more than a car, and saunas, cold plunges, red light panels, and compression units stack up fast behind it. Business personal property replaces that equipment at replacement cost after a covered loss like a fire or a burst pipe, so a bad day does not end the business. This is the coverage recovery studios most often find underbuilt on a generic policy. More on business personal property.
If you have employees, most states require workers' comp. It is not part of the studio policy, so you buy it separately, but we can point you in the right direction. More on workers' compensation.
This is the line that trips up every recovery studio, so we will be direct about it. Cold plunge, the cold-water immersion tub, is covered as a core operation. A whole-body cryotherapy chamber, the nitrogen or electric unit you step into, is a separate exposure and it is excluded. They feel like the same thing to an owner and they are not the same thing to a policy.
The reason is the risk, not the marketing. Cold-water immersion is a premises and operations hazard, the same family as a sauna or a pool deck. A cryotherapy chamber carries a medical-device exposure that needs its own professional coverage. If you run both, the clean answer is to insure the studio with us and carry separate coverage for the cryo chamber, ideally under a separate entity. Tell us what you run at quote and we will be straight with you about where each piece lands.
The rule is simple: passive recovery is in, medical and cosmetic procedures are out. Here is the same list your application uses.
| Covered as core operations | |
|---|---|
| ✓ | Sauna, traditional and infrared |
| ✓ | Cold plunge and cold-water immersion |
| ✓ | Contrast therapy (sauna and cold plunge) |
| ✓ | Float and sensory-deprivation tanks |
| ✓ | Red light and infrared therapy |
| ✓ | Compression therapy (Normatec-type) |
| Not covered (needs a separate professional or medical policy) | |
| ✕ | Whole-body cryotherapy chambers |
| ✕ | Intravenous (IV) therapy |
| ✕ | Injectables (Botox, fillers) |
| ✕ | Laser cosmetic treatments |
| ✕ | Chemical peels, microdermabrasion, microblading |
| ✕ | Cupping, moxibustion, gua sha |
| ✕ | Acupuncture or any use of needles |
| ✕ | Tattooing, body piercing, cosmetic surgery |
| ✕ | Tanning beds and UV tanning |
The rule: passive recovery is in, medical and cosmetic procedures are out. Run something not on this list? Tell us at quote and we'll confirm it before you bind, or see the full list of what we cover and don't.
Coverage starts at $39/mo. Here's how a recovery facility rate compares to a generic spa carrier quote for the same coverage.
| Provider | Typical annual cost | Fees |
|---|---|---|
| Gym Insurance by PushPress | $1,300–$2,200 | No broker or program fees |
| Generic spa carrier or broker | $2,500–$3,500 | Med-spa loadings and broker fees often added on top |
From $39/mo. Your rate depends on studio size, location, the equipment you carry, and your coverage limits. See full pricing details.
We're gym owners, and we serve the fitness community, recovery studios included. PushPress has 20+ years in fitness and data from thousands of gyms behind it. A recovery studio kept getting the worst of two worlds: declined by carriers who didn't understand a cold plunge, or quoted like a med-spa for treatments it never performed. We don't think a sauna-and-plunge studio should have to call itself something it isn't to get covered, so we built a program that covers passive thermal and contrast recovery as core operations, with the equipment protected at replacement cost.
One application, a quote in about five minutes, and you can bind the same day with your certificate of insurance available immediately, which matters when a landlord needs proof before you open. It's our own program, underwritten by A-rated carriers (Everspan and Starr Indemnity) and reinsured by global names, so there's no broker in the middle and no extra fees stacked on your premium. Available in the 48 contiguous states. See everyone we insure.
Two things we don't do, said plainly. We cover passive recovery, not medical or cosmetic procedures, so cryotherapy chambers, IV therapy, injectables, and the rest of that list need separate professional coverage. And we cover what's inside your studio, not the building shell, so building owners need a broker to add structure coverage.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.