From the category archives: Insurance Protection Blog

Cosmetic Nurses

Cosmetic Nurse, Registered Nurse Starting Aesthetic Services

Cosmetic Nurse, Registered Nurse starting Aesthetic Services need smart affordable professional liability policies.

 

If you're an RN about to start your own business or begin slowly and work as an independent contractor performing cosmetic injectable and dermabrasion or micro needling, (or other aesthetic procedures).

If you're an RN doing any of the following:  Injection of Botox including for Hyperhidrosis, Masseters, and/or Platysmal Bands, Dermal Fillers including in the Ear Lobes or Hands, Vitamins/Supplements, Sclerotherapy, PRP (Platelet Rich Plasma), IV Therapy with or with light, Chelation Therapy, Flu Shots, Blood Draws, Injection of a Mesotherapy Solution and/or Kybella.

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Nurse Practitioners opening their own Aesthetic Medical Practice or Medical Spa

More and more nurse practitioners are opening practices catering to cosmetic procedures. Dependent on the state, nurse practitioners can start their entrepreneurial business independently, without requirements for supervision by a Medical doctor while others mandate that a physician is involved in the practice on a supervisory/collaboration basis or even ownership basis. If you are considering an independent practice, be sure to check with your state nursing board prior to spending money on an injectable education and practice. States vary as to who can start a practice with/or employ a physician or even other nurses or aestheticians. You must also investigate whether your employees that are providing cosmetic procedures will require supervision. Again this varies state by state.
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Do I really Need to buy Professional Liability Insurance as a Laser Technician, Aesthetician or Electrologist?

In our 25 years of experience working with professionals, I think the best answer to this question is personal responsibility of mind there is nothing more unsettling than persistent sometimes automated aggressive legal counsel making demands and threats that potentially can undermine everything you worked for, including your carefully guarded reputation. Professional liability insurance policy brings with it a team of experts, attorneys, accountants and counselors to come to your defense so that you can continue to work.
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Are You Providing Noninvasive Skin Solutions?

We recently helped to find coverage for two Aestheticians performing noninvasive skin solutions.

The scope of work they were seeking for coverage only required an esthetician license. They did not need to have a medical director physician as a supervisor and do not perform laser, invasive treatments, injectables and peels. But they wanted to ‘upgrade’ their staff from Aestheticians to RN’s and their current policy allows for coverage for up to 4 estheticians but does not cover RNs, only estheticians.

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Are You Providing Sculptra Injection Treatments?

The Doctors Insurance Agency works with well-known carriers to find the best coverage for our MediSpa/Aesthetic, Injectable, Laser, and Wellness Centers.

We insure many Aestheticians providing Injectable Advanced Services. Sculptra Injections are a form of Injectable Advanced Services and coverage may be difficult to find for any injections other than the face. Sculptra is an FDA-approved injectable that is designed to fill wrinkles and reduce hollow, sunken cheeks. The treatment increases your body’s natural production of collagen, which is key for tightening skin. The effect of Sculptra will increase over time.
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Are You Looking for The Right Insurance for your Aesthetic Spa?

Professional Liability Insurance for Spa, Injectables and Laser

When you've been looking online and asking friends for the perfect answer :
affordable, comprehensive appropriate insurance for your injectable, aesthetic skin and laser – your spa business.

You want to find the right insurance with a stable insurance carrier and you have finally done so!…only to be asked to sign the bold disclosure form indicating that the company with which their insurance is place is not licensed by the state of California.

What is up with these ‘disclosure forms’ that you’re asked to sign in order to buy your liability insurance to insure your laser, injectable spa business:??

Question: There is a disclosure that this Insurance company is not licensed in California and therefore if I get this policy I don't have the protection of the Insurance Guarantee Funds created by California Law, which for many reasons I obviously would like to have!!??
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Does a Cosmetic Nurse Esthetician Need Their Own Professional Liability Insurance Policy?

question that is asked often of our national healthcare liability brokerage team: (especially by our Cosmetic Technicians, Nurses, Estheticians)

Do I Really Need My Own Insurance Policy?

I think in our experience, the answer to this question is YES, whether it's a medical Doctor  who has independent contractor agreements to provide hands-on direct patient care or for medical director services .. or whether it is a nurse aesthetician or mid-level provider working in a MediSpa or wellness setting -  the premiums are generally under $3,000 a year often less than $1,500,  this is what  leads us to answer yes
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Why Cosmetic Nurses Need Own Liability Insurance?

Cosmetic Nurse and  MediSpa Liability Insurance 

In the medical malpractice insurance coverage world, if a name is published on the door, letterhead, and advertised to the public than  it will likely be included in the claim.  And if that name is not included in the malpractice policy, there can be  some anxiety around claim time.  Insurance companies might not immediately come to the defense of the entity, which leaves the question of “how do I separate myself from the entity”

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Cosmetic Nurses should have enough knowledge to purchase their own policy.

MediSpa Growth industry: MediSpa’s are one of the fastest growing niches within the healthcare industry. This growth is opening up many new job opportunities for Esthetic Nurses; now able to maintain more independence than before, the aesthetic work enables RN’s to combine clinical with aesthetic work. With this growth, however comes the responsibility of obtaining professional liability insurance.  Cosmetic Nurses should have enough knowledge to purchase their own, or, to understand the details of the policy so that they can ask the business owners (or, research these issues on their own). We would like to be a ready resource for all Cosmetic Nurses starting their own independent contractor business, or signing a contract for esthetic services. The issue of who is providing the medical malpractice insurance. The Specialty MediSpa/Cosmetic Liability Insurance Carriers We work with a few different companies to place this insurance: Namely: Lloyd’s of London, Medical Prot ...
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What does 'admitted insurer or non admitted insurer mean?'

Lately, with so many medical groups and individual physicians practicing in telemedicine (or aesthetic laser, medispa’s, urgent care, integrative medical, wellness, chiropractic aesthetic, interstate telemedicine, etc…..) the standard insurance carriers have started to decline requests  to provide  coverage in these evolving areas. So, insurance agents and brokers are required to creatively and resourcefully market these ‘risks’ (insurance jargon for ‘healthcare organization seeking insurance) to some ‘non admitted carriers. MediSpas, Urgent Care Centers, Family Practices engaged in Integrative wellness, chiropractors incorporating aesthetic and nutritional counseling and  telemedicine businesses start to look for professional liability insurance, they sometimes find the Admitted, standard markets to be closed. So, understanding the difference for purposes of feeling good about and having confidence in your  professional liability solution is i ...
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