Malpractice Insurance For Cosmetic Nurses And Estheticians

Cosmetology InsuranceThe Doctors' Insurance Agency in Novato, California has been representing The Doctors' Company in Napa for over 20 years.

As a physician insurance agency, expanding over the years to serving the allied and mid level markets, we experience firsthand the challenges of Physicians fighting for every dollar of reimbursement.

The Doctors’ Insurance Agency has  rates and different insurance programs for R.N’s and  for Nurse Practitioners (occurrence based) and claims made.  It is important to know (as is the case with medical specialties), the procedures, the territory and the hours determine the premium.

And, as such, the rates for cosmetic aesthetic nurse liability insurance  can be more than 50 % higher for N.P’s doing the same aesthetic procedures (laser, injectables, peels, etc.) than Cosmetic Nurses (R.N’s, B.S.N.’s ). 

 The Affordable Care Act And The Mid Level Provider:

The Affordable Care Act has been in the offing for years, provoking drastic changes in the health care financing, delivery and risk management system.

Our agency, working with medical billing consultants, practice managers and independent physician practice attorneys for years,

And, we see that, for the first time in many years, the Affordable Care Act (ACA) curtails insurance companies' power and gives greater control back to the physicians. (perhaps)

Physicians flight to groups for leverage:

With the introduction of the Affordable Care Act, physicians are selling their practices, aligning with hospitals, forming groups across broad territorial boundaries, There is strength in contracting by becoming a larger group than the previous, independent model of practice.

With the roll out of Affordable Care Act, there are some who believe that physicians will have more control over patient decisions, and experience less uncompensated care and denied payment for their patients:

Some areas of new revenue are also on the horizon:

There are some new sources of revenue:

  • Insurers are prohibited from denying coverage to children based on pre-existing conditions (effective September 23, 2010).
  • Insurers are prohibited from discriminating due to pre-existing conditions in adults (effective January 1, 2014).
  • Coverage for young adults is extended. Young adults can stay on their parents' plan until they turn 26 years old (effective September 23, 2010).
  • Insurance companies are prohibited from rescinding coverage (effective September 23, 2010)
  • Lifetime limits on insurance coverage are eliminated (effective September 23, 2010).

The healthcare field understands that physician extenders will be in higher demand as more and more Americans find their way into the healthcare system.

Growth in MidLevel and Aesthetic Providers:

In addition to the many clinical applications and practice settings, there will be continued growth in the MediSpa/aesthetic business. This is an area that The Doctors' Insurance Agency has been serving for many years.

We have been focusing on competitive Malpractice Insurance for Cosmetic Nurses and Estheticians.

Policies offered by The Doctor's Insurance Agency are written through A and A+ rated insurance carriers in order to offer a stable market for coverage. As non physician health care providers across the country lobby for more and more control and responsibility within the healthcare system, we will expand our efforts to work with more companies.

Already, we represent multiple insurance carriers in order to ensure that we continue to offer the best combination of coverage and price for Malpractice Insuracne for Cosmetic Nurse and Estheticians. Each Cosmetic Nurse & Esthetician Malpractice Insurance policy can be customized to fit the needs of the provider or practice, taking into consideration various factors including coverage needs, exposure to loss, and the types of services provided.

This Cosmetic Nurse and Estheticians Malpractice Insurance program includes cover the entire salons or medispa. The broader, general liability and entity/facility professional liability policy for medispas includes, if named, the nurse, esthetician, owners, medical directors, or anyone licensed to operate within that state at the facility.

The Malpractice Insurance for Cosmetic Nurse and Estheticians was designed with the help of underwriters and reinsurance experts in the field. The carrier, Lexington Insurance worked with several professional healthcare associations. Their input was instrumental in determining what was needed by Cosmetic Nurses and Estheticians like you.

It could be logically expected that as Nurse Practitioners, Aesthetic Nurses and Physician Assistants battle to gain more independent right to care for patients, so will we see an increase in the number of claims naming these providers. over the past 20 years, claims for licensed nurses have increased fivefold. In Florida, there was a 225 % increase in Nurse Practitioner Claims between 2003 and 2011; and, Physician Assistant Claims have risen from just 2 to over 150 in the past ten years.

Already, Nurse Practitioners are arguing heavily for the right to teat more patients without a physician's supervision, essentially to act as the primary care provider. In states such as California, Pennsylvania, Michigan and Massachusetts, where legislation is leaning toward supporting more autonomous healthcare provided by these midlevels, rates will continue to rise for these 'stand-alone' policies.

This could (if this sensitive issue is managed appropriately) provide more of our nation's primary care. Increase your practice's security against the threat of medical malpractice. You'll secure coverage for a long list of aesthetic procedures.

Malpractice Insurance For Cosmetic Nurses And Estheticians Coverage Include:

Esthetician Liability InsuranceCosmetic Nurse Classes include the following procedures:

  • Microdermabrasion
  • Myotonology Facial Treatment, Myotonology for the Body, Piercing
  • Tanning/Sunless Tanning
  • Exfoliation, chemical peel, Power C, Pumpkin, Cranberry Peels, Glycolic Acid Re-Texturing
  • AHA Chemical Peel

Other classes of insured Cosmetic Nurses include:

  • Radiesse/Radiance Injection
  • Oxygen Therapy
  • Hylaform Injection
  • Collagen Synthesis
  • Intense Pulsating Light (IPL)
  • Thermage
  • Ultrasonic Treatment
  • Microcurrent Treatments
  • Obagi Blue Peel
  • Pigmentation Peel
  • TCA Chemical Peel
  • Electrolysis

A higher class of Cosmetic Nurse, rated slightly higher includes:

  • Laser Peel
  • Tattoo Reduction
  • Pre/Post Operative Treatments
  • Laser Hair Reduction
  • Laser Lesion Reduction

Cosmetic RN: Class 4

  • Botox Injection
  • Fat Injection
  • Mesotherapy
  • Restylane Injection
  • Silicon Injection
  • Collagen Injection
  • Botox for Treatment Of Excessive Sweating

Simply complete and scan the application and know that we will go to work for you from our Northern California Officers to work with each specialty insurance company working within this narrow, niche within the insurance industry.

Premium is due at time of binding, so, we work with Premium Finance Specialists to offer convenient financing to help you manage your cash flow.