Why Cosmetic Nurses Need Own Liability Insurance?

February 12, 2016

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”

Why Do I Need My Own Liability Insurance?The best protection is always your OWN POLICY - IN YOUR NAME, whether you are employed or self-employed. Some employed healthcare providers may be told that they are covered by their employer’s insurance policy. But unless you are the OWNER of the policy, your interests could likely be viewed as secondary to your employer, the clinic or the office who owns the policy - should a claim arise. Your policy should be portable wherever you go, even when you switch jobs, so you always know you're covered.

These are some of the features that are unique to policies for Cosmetic Nurses:

  • Occurrence Coverage
  • Full Consent To Settle
  • License Defense Coverage
  • Good Samaritan Coverage
  • General Liability or Premises Liability Options
  • Assault Upon You At Work - $25,000 Benefit
  • HIPAA Defense Coverage

In addition to Lloyds of London, The Doctors’ Company, AIG and C.N.A., we use Medical Protective, rated A++ (Superior) by A.M. Best.

Professional Liability Insurance for Aesthetic Procedures for Self-Employed RN's, LPN/LVN's, Nurse Practitioners and Physician Assistants!

Professional Liability Insurance insures you against allegations of medical malpractice for almost all of the non-surgical aesthetic procedures, including:

  • Dermal fillers
  • Laser skin resurfacing
  • Laser hair removal
  • Permanent cosmetics
  • Mesotherapy
  • IPL skin rejuvenation
  • Collagen injections
  • Microdermabrasion
  • Chemical peels

And, it might be important to consider:….Licensing Administrative Defense Sub limits in the event of a licensing action and you need to hire an attorney. You might experience loss of revenue due to the time out of the office (per diem) expenses of defending the medical board or other licensing body action against you.

Our policies include administrative defense of your license.