Recently Written:

Small Cryotherapy Clinic
State: AK
Coverages: Prof, GL, Abuse & Molestation, Cyber
Premium: $2,498

Cryotherapy/Infrared Saunas
State: OR
Coverages: Prof, GL, Abuse & Molestation, Cyber
Premium: $3,000

Cryotherapy – Professional Athletes
State: OH
Coverages: Prof, GL, Abuse & Molestation, Cyber
Premium: $5,025

Exclusive Cryotherapy Insurance

Cryotherapy is a new and experimental treatment being used for sports medicine, physical therapy, and even dermatological and weight loss uses. Because it has not been verified by the FDA for these uses, many markets are taking a stand-off approach and several markets have exited offering coverage. At Breckenridge, we offer a competitive, tailored coverage solution to help with your insureds Cryotherapy needs!


  • Quick response time (24-48 hours in most cases)
  • Coverage available even if there is professional/collegiate athlete exposure
  • Other related exposures can be considered with cryotherapy (i.e. physical therapy, sports rehab, massage therapy)
  • Mobile and Stationary!

Coming Fall 2018!  *Optional BOP vs. GL

Some of the classes and/or uses of Cryotherapy and related services that may be eligible for coverage include:

  • Whole Body Cryotherapy
  • Cryotherapy Chamber (mobile and stationary)
  • Sports Rehab
  • Sports Therapy
  • Sports Medicine
  • Physical Therapy
  • Injury Rehabilitation
  • Compression Therapy
  • Cold Therapy
  • Ice Therapy
  • Cryo Slim
  • Cryo Fat Freezing
  • Cryo Weightloss
  • Medi-Spa
  • Massage Therapy
  • Floatation
  • Infrared Saunas
  • Cold Facial
  • Professional Liability
  • General Liability (can only be bound with the professional)
  • Business Personal Property
  • Inland Marine (on separate paper)
  • XS/Healthcare Umbrella available with other markets
  • $1MM/$1MM to $2MM/$4MM
  • Abuse/molestation coverage included sublimit
  • Cyber Included (sublimit)
  • HNOA available for AP
  • Fully competed Breckenridge Cryotherapy Application (non-binding indications can be offered on competitor applications)
  • Valued Carrier Loss runs (if currently insured)
  • Resume of owner(s) and Key Employee(s) (if in business less than three years or no current coverage)
  • If no current coverage, No Known Loss Letter
  • Copies of waivers used
  • Copies of training certificates of Cryo Technicians

Download Cryotherapy Insurance Policy Application