Aesthetic Spas and IV Infusion Liability Insurance

The first Botox injection and other types of filler injections started years ago as a menu item offered by some dermatology and plastic surgery offices. Soon after experiencing phenomenal results and responses from these treatments, these physicians, nurses and professional estheticians began to expand their client base. 

IV infusion clinics provide intravenous vitamin and supplement treatments:  vitamin B12 boosters to increase metabolism and burn fat; vitamin D3 to  strengthen bones, teeth and immune systems, making up for the loss of it we're feeling from being cooped up inside; detox treatments that restore the natural proteins that make up our hair and nails with lipotropics agents; and lysine taurine and carnitine to ramp up sports performance.  IV hydration can help with hangovers headaches and nausea, provide energy, replenish essential minerals and electrolytes, and alleviate fatigue and stress.

These IV infusion centers are also quickly adding aesthetics. With qualified professionals, these wellness centers help you find your biological age. Through proper lab work, you can learn where you are deficient, get a full collagen analysis, hydrate your skin, and enhance important protections from invasive sun damage for your skin. 

These intravenous therapy centers are also adding weight management solutions. You can learn what your risk factors are, which foods you might be intolerant to, and chart a nutritional course by working with the nutritional specialist registered dietitian.

A natural progression then is to perform enhancements by injecting Botox, juvaderm, kybella, utilizing neurotoxins in small doses along with other advanced facial micro-peels, hydro-facials and micro-needling. These aesthetic centers are also doing PRP facelifts, sculptra butt lifts and laser hair removal.

All of this expert care requires commitment, credentials, experience and training. Medical doctors, physician assistants, nurse practitioners, registered nurses, licensed estheticians, medical assistants, massage therapists, hydro therapists, naturopaths, and nutritionists all come together to bring their commitment and expertise to this innovative medical spa integrative wellness service.

A common mistake in providing Medical Malpractice Liability Insurance is to require everyone who works at the clinic, whether an independent contractor, employee, or separately incorporated entity, to carry their own insurance, regardless of the relationship that the spa or wellness center has with the professionals.

The best and I would argue the only viable liability insurance solution is at the organizational level. These are more affordable, at a fraction of the cost of individually ensuring each practitioner. These organizational level policies are written with a broad single per-claim limit. They use real time risk calculus in developing the premium, by contemplating the number and the type of consultations, and then allocating them accordingly, combining that with the projected revenue and the number of years that organization has been in existence. This allows the development of a premium that is fair, competitive and sufficient for the insurance company to manage the claims and the risk management. 

Risk management is another important area that is often forgotten. If left for each person to deal with on their own, it ignores the very existence of the organization and the responsibility to manage the aesthetic wellness innovative practice as a clinic. 

The insurance carriers that are committed to this insurance market have well-developed national organizations of risk managers to help you run your business included in your annual professional liability premium. 

The Doctors Insurance Agency wrote its first Medical Spa Insurance policy in the early 2000s. We have been providing solutions for hundreds of practitioners and organizations in 44 states.

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