- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
Cryotherapy Insurance
Tailored Coverage Solutions for Cryotherapy Professionals
Why do I need Cryotherapy Insurance?
Running a Cryotherapy spa is totally cool (pun intended), but a running a business exposes you to countless threats. Just one mistake, or even a complaint from an unhappy client can get you sued and place you at risk of losing everything. The good news is that PPIB is here to protect you in your time of need. There are many companies out there who offer business insurance policies, but several of these do not cover the specific services for Cryotherapy. If your coverage is with one of those other companies, if there is an issue with one of your procedures and your client decides to sue you or your company, you would be left unprotected and forced you to pay the settlement out-of-pocket. You could be forced to sell your business or even left bankrupt without the ability to pay for the settlement. Don’t get left out in the cold! Choose PPIB for your cryotherapy insurance today.
Why choose PPIB for your Cryotherapy Insurance?
Our Cryotherapy Insurance policies offer comprehensive coverage to fill the gaps left by other policies, ensuring you are fully protected. Our policies include essential Professional Liability and General Liability coverage to guard against potential lawsuits. We also provide customizable insurance options to protect all aspects of your operations, such as property coverage, cyber protection, sexual abuse, products liability, hired/non-owned auto, and more.
At PPIB, we don’t just offer customizable coverage; we tailor your policy to match the specific services you provide. If you only need coverage for walk-in cryotherapy, your policy can be designed to cover just that. As your business grows and offers additional services, we can add them to your policy as needed.
Our commitment to excellence guarantees that medispa businesses receive unmatched support and security. Trust us to protect your artistry and professional aspirations with our industry-leading Cryotherapy Insurance.
What Services Can Be Covered Under Cryotherapy Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types cryotherapy or medispa services, including:
Whole Body Cryotherapy
Cool Scuplting/Pain Relief
Oxygen Inhalation Devices
Cryo Spot Treatments
Saunas
Wellness Services
Weight Loss Services
Laser/IPL
Additional Services We Can Cover
- Botox
- Dermal Fillers
- IV Therapy
- Vitamin / Supplements
- PDO Threading
- Micro-coring
- Sclerotherapy
- Mesotherapy / Kybella
- Light/Energy Skin Rejuvenation
- Vaginal Rejuvenation
- Body Contouring
- Nutritional Counseling
- Biodentical Hormones
- Mole Removal
- Infrared Therapy
- Hyperbaric Oxygen Chambers
- Fat Regeneration Treatments
- Fat Transfers
- Neograft / FUE Hair Transplants
- Tumescent Liposuction
- Colon Hydrotherapy
- Cellulite Reduction
- Aesthetics
- Energy Wave Therapy
- Microneedling
- Massage
- Permanent Makeup
- Microblading
- Tattooing
- Body Piercing
- Permanent Jewelry
- UV Tanning & Spray Tanning
- Teaching
But wait, we can cover MORE!
Just because it’s not listed above doesn’t mean we don’t cover it. If you have a medical spa business with other operations we are able to consider it. Contact us to find out if it fits in our program.
Coverages For Cryotherapy Insurance Offered Nationwide
- Up to $2,000,000/$3,000,000 Limits
- Property - including in transit
- Cyber Protection
- Hired / Non-Owned Auto
- Medical Director Coverage
- Professional Liability
- Communicable Disease
- HIPAA Defense
- Products Liability including Private Label Products
- General Liability
- Sexual Abuse / Molestation
- Excess Liability
- License Action Protection
- Medical Assistant Coverage
Why Cryotherapy Insurance With PPIB?
- Knowledgeable claim handling and underwriting staff
- Nationwide Reach
- Online Portal Access
- Customizable Coverage Options
- Dedicated support to assist you every step of the way
Frequently Asked Questions
Cryotherapy insurance provides coverage for the unique risks and liabilities associated with all things below 0°. Our policies include professional & general liability for Walk-In Cryotherapy Units or Hand-held Cryotherapy Devices. We can also provide property coverage for the devices and units themselves.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable Cryotherapy policies to endure that your coverage aligns with your specific business needs.
Yes, they can be. If they are your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name, then we can also include them. If they are working under a different business name, then they will need to obtain their own coverage and name you as an additional insured.
The cost of Cryotherapy insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy. Here are some key factors that influence the cost of Cryotherapy insurance:
- Size and scope of business – The size of your business, whether you have a large spa with multiple types of operations or just 1 small suite with a Cryo Unit can impact the insurance cost. Larger facilities that offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the spa.
- Type of additional services – Some services are more invasive than others which create more long term problems if a claim were to arise. Therefore the type of services being performed may impact the insurance cost.
- Claims history – Insurance companies consider the claims history of your cryotherapy business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.
- Safety measures and risk management practices – Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.
Definitely. The General Liability policy of the business you rent space from most likely covers only their operations and clients coming into their business. You are a separate entity since you rent a space from another business. General Liability provides peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone Cryotherapy insurance policy covering only the services you need.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.
Yes, Cryotherapy insurance policies typically have exclusions or limitations that outline specific situations or circumstances where coverage may not apply or may be limited. These exclusions and limitations can vary depending on the service being provided. Some of the main Exclusions are:
- Temperatures colder than -260°F.
- Any treatments done on anyone under the age of 16 unless scheduled herein; without consent form signed by parent/guardian if age 17 or under; and/or without a parent/guardian remaining in the treatment room if age 14 or 15.
- Any treatments done without appropriate protective clothing that prevents rapid freezing, including but not limited to gloves, footwear and underwear.
- Any treatments done in single person booths that do not elevate the head outside the chamber if using liquid nitrogen.
- Any treatments that are not supervised.
- Any treatments done on professional athletes.
- Any treatments longer than 3 minutes per session
It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.
The use of consent and aftercare forms are required for all Cryotherapy services. Consent forms for Walk-in Cryotherapy must include the following:
- State that all body parts must have a comfortable clearance from the inner rim of the chamber during treatment.
If using Liquid Nitrogen, must state that head must remain outside of the chamber during treatment. - Confirm the individual is over eighteen or require a parent or legal guardian signature.
- List contraindications to use of Whole Body Cryotherapy.
- List risks including burn, allergic reaction, activation of viral conditions, claustrophobia, anxiety, lightheadedness/dizziness, numbness, tingling, rashes, redness, and/or irritation of the skin (or similar).
We can provide pre-approved consent forms if you do not have your own. If you wish to use forms you have created we will require you to provide copies to our office for review.
If you would like to use our pre-approved forms for convenience please click here to access our consent forms.
Please check with your state requirements as to what the statute of limitationsstatute of limitations are. Statutes of limitations are usually a minimum of 2 years with some states going to 6 or more years if the services were administered to a minor.
Click the Apply now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.
- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage, division of Specialty Program Group LLC. Doing business in California as SPG Insurance Solutions License No. 0L09546.