Insurance
Insurance is an optional recurring add-on for monthly lockout subscriptions. It is billed as a second line item on the same Stripe subscription as the studio rental. The system handles billing only — the actual insurance policy is an external product.
Availability
Insurance availability is configured per location with two settings:
- Available — whether insurance can be offered at this location
- Mandatory — whether insurance is required for all lockouts at this location
Both default to off. The mandatory flag is enforced by the frontend at checkout — the backend does not block subscription creation without insurance even when mandatory is set.
Pricing
Insurance prices are managed entirely as Stripe price objects under a single insurance product. There is no server-side price calculation. Staff configure insurance tiers and amounts directly in Stripe. Available prices are listed sorted by amount, and each can have a display nickname (e.g., "Basic Coverage").
Adding Insurance
Insurance can be added in three ways:
- At lockout checkout — selected during the initial checkout flow, added as a second subscription item
- Post-checkout by the member — members can add insurance to an active lockout. Cannot be added to a future-dated lockout that hasn't started billing yet.
- By staff during a lockout update — staff can add, change, or remove insurance as part of any lockout modification
When added post-checkout, timing options apply: immediate (with proration for the current billing period) or next cycle (no charge until the next billing date).
Changing Insurance
Insurance can be swapped to a different price tier or removed entirely. Changes follow the same immediate-or-next-cycle timing as other lockout modifications (see Lockouts).
A lockout cannot have more than one insurance item. Adding insurance when it already exists through the member self-service path is blocked — staff must use the lockout update path to change tiers.
What Is Stored
The insurance price ID and amount are stored on the reservation record at the time of attachment. These reflect the price at the time the insurance was added — they are not automatically updated if the Stripe price changes later.
Self-Insurance
Members can acknowledge that they carry their own insurance and provide a policy number. This information is stored as metadata on the Stripe subscription only — no enforcement or workflow logic exists for it.
Migration Tenants
Migration invitations can include a pre-selected insurance price, which carries through to the submission and is added to the subscription when staff approves the migration.