From the category archives: Insurance Protection Blog

Cosmetic Nurses

Do Nurses In The Aesthetic Field Need Their Own Liability Insurance?

It is common to ask:  DO I NEED MY OWN INSURANCE OR AM I COVERED BY THE MEDISPA? The answer submitted actually applies to more than just the cosmetic Nurse Aestheticians,  In an article submitted online for Medical Aesthetic Training Of California, called The future of Aesthetic Nursing! written by Barry Klazura He addresses the very basic coverage question: not surprisingly, the answer is: yes, you need your own professional liability if you are an independent contractor; this similar question is posed to us from many doctors, ranging from physicians asked to do light file review, a few hours per month, to Orthopedic Surgeons acting as primary surgeon for an organization (ie. hospital, surgery center, integrated healthcare alliance), not aware of whether their independent status will be providing them with insurance, or whether they need to procure their own. The answer, more times than not is: You do need your own insurance and cannot be covered by the Medispa unless you are an emp ...
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Are you covered by the Spa where you work ?

Cosmetic Nurses purchasing their own liability insurance: There are two reasons that we experience cosmetic nurses purchasing their own professional liability insurance. The first is that they assumed they were covered by the supervising physician or the entity for which they work. The second reason is: they are finding that their services are in high demand and the business is growing with multiple contracts with different Health Care Organizations. Are you covered by the Spa where you work ? If you are signing new contracts, you may be asked to carry your own malpractice insurance.  In some instances, your employer, or the physicians or medispas with whom you contract may even think that you don’t need professional liability insurance.  We have insured a Plastic Surgeon in California for years for his own medical malpractice insurance.  And, after contracting with three nurse practitioners and three registered cosmeticians, all of whom were providing injections and la ...
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