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Med Spa Insurance FAQs

1. What is a Med Spa?
  According to the International Medical Spa Association, a Medical Spa (or Med Spa) is an institution whose primary purpose is to provide comprehensive medical and wellness care in an environment which integrates spa services as well as conventional and complimentary therapies and treatments.

Med Spas are relatively new and evolved from the cosmetic medicine industry and utilize non-surgical, cosmetic medical technology. Procedures performed at a med spa include Botox Injections, Laser Hair Removal, Chemical Peels and Dermal Fillers and more.

2. What coverage does the Med Spa professional liability insurance offer?
  Although coverage may vary, most policies include liability limits of $1,000,000 per occurrence and $3,000,000 in aggregate.

3. What procedure are covered by a Med Spa Liability Policy?
  In most cases your med spa liability policy will cover most of the common procedures performed at a med spa including botox injections, chemical peels, dermal fillers and laser hair removal. Because the med spa industry is constantly evolving and new treatments are being added to the roster of services at many med spas it is important to get the best rates and assistance from a licensed liability consultant on your particular needs. Click here for your Free No-Obligation Med Spa Insurance Quote.

4. Who within the Med Spa facility does the liability coverage associated with Med Spa insurance cover?
  Typically coverage is extended to the Med Spa, Anti-Aging Clinic, Physicians, Medical Directors and staff members such as Estheticians, PAs, RNs and NPs.

5. Do I have to pay for my Med Spa malpractice insurance premium up front and in full?
  Most insurance carriers do require an up front annual premium payment for this type of coverage, however installment payments through a finance option may be available. To get the best advice from experienced insurance professionals request your free no-obligation Med Spa malpractice insurance quote. They will be glad to answer your questions and provide you with all the information you need.

6. As a facility owner isn't the insurance I have for my Day Spa adequate for a Med Spa?
  Because physicians are used in a Med Spa and the procedures they perform are considered by most states to be medical procedures, the insurance coverage associated with Day Spas will not cover the professional liability aspect of the Day Spa thus medical spa malpractice insurance is necessary.

7. I am a physician and I already have medical malpractice insurance. If I associate myself with a Med Spa facility can't I simply add a rider to my existing medical malpractice policy that will extend to the Med Spa?
  It is important to note that most medical malpractice insurance companies do NOT offer riders that extend to Med Spas. As a physician who will be working in a medical spa it is highly recommended that you obtain Med Spa specific coverage to properly protect you.

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All information on this page is provided for informational purposes only and should not be used as the basis for making a decision regarding med spa malpractice insurance. For advice from licensed insurance professionals serving the med spa malpractice insurance market please request a Free No-Obligation Quote.

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