Insurance Built for Cold Plunge Facilities
Protect your members and drop-in visitors with AD&D and accident medical coverage designed for cold exposure therapy businesses.
Why Cold Plunge Choose Us
Benefits designed specifically for cold plunge facility insurance organizers
Cold Exposure Protection
AD&D and accident medical coverage for cold shock responses, hypothermia incidents, cardiac events, and slip-and-fall injuries on wet surfaces around plunge pools.
Dual Coverage Model
ActiveGuard monthly coverage for regular members who plunge 3-5 times per week. DEI single-visit passes for walk-ins and first-timers trying cold therapy.
Wellness Trend Revenue
Cold plunge is one of the fastest-growing wellness trends. Insurance adds a professional layer that builds trust with health-conscious clients.
Waiver Complement
Participant coverage complements your facility waiver by providing actual financial protection for accidental injuries during cold exposure sessions.
What's Covered
Two coverage options to fit your business model
Daily Event Insurance (DEI)
Single-day AD&D + Accident Medical coverage. Activates on check-in, deactivates on check-out. Covers slips, falls, and accidental injuries during visits.
ActiveGuard
Monthly recurring AD&D + Accident Medical coverage. One fee covers all visits. Biometric-enhanced activation for members.
Which fits your business? DEI for drop-ins, ActiveGuard for regular members.
Your Revenue Opportunity
Choose the pricing model that works best for your business
Membership-Included
Business absorbs cost as a member benefit. Builds trust and increases retention.
Customer Add-On
Customer pays at checkout. Creates a new, zero-overhead revenue stream.
Premium Tier
Bundled into VIP or premium packages. Positions insurance as a premium perk.
How It Works
Three simple steps to start offering insurance and earning revenue
Offer at Check-In
Present ActiveGuard for monthly members and DEI for drop-ins at your front desk or online booking. Integrates with WellnessLiving, MindBody, and booking platforms.
Coverage Activates on Entry
Members receive AD&D and accident medical coverage that activates on check-in and deactivates on check-out. Covers the entire facility visit including locker rooms.
Earn on Every Session
Monthly commission from ActiveGuard members plus per-session commission from DEI drop-ins. With 60 members and 40 weekly drop-ins at 35% take rate, generate $210-$420 monthly.
“Adding coverage options for both our monthly members and walk-in clients was straightforward. It gives our cold plunge facility a professional edge and brings in about $300 monthly in commission.”
Frequently Asked Questions
Everything you need to know about cold plunge facility insurance insurance
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Calculate your potential revenue and see how much you could earn with Daily Event Insurance
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