Medical Spa Insurance

Professional Medical Liability Spa Insurance 

Professional Medical Liability Spa Insurance 

If you've noticed more medical spas, you're not alone. The industry has experienced explosive growth nationwide. In 2013 it was a $1.9 billion industry, according to a study by MarketData Enterprises, Inc. It was projected to grow 18% each year and sales were expected to hit $3.6 billion in 2016.If you've noticed more medical spas, you're not alone. The industry has experienced explosive growth nationwide. In 2013 it was a $1.9 billion industry, according to a study by MarketData Enterprises, Inc. It was projected to grow 18% each year and sales were expected to hit $3.6 billion in 2016.

Whether you own a day spa, medical spa or a weekend retreat, customers come to your establishment looking for a soothing experience. In a wellness magazine VP of Program Professional Insurance Brokers Susan Etter was interviewed about Medical Spas she said "Medical Spas are a modern mix of the traditional day spa and medical clinics. These sanctuaries of health and well being are sprouting up as the wellness society is investing more than ever into their health, mind and bodies."

Spas are defined as establishments that promote wellness through the provisions of therapeutic and other professional services aimed at renewing the body, mind and spirit.

According to another source Global Wellness Institute, regardless of the mix of aesthetic preventive health spa the place promotes prevention of illness and living well and the services are performed on the face and neck and around the lips and eyes.  These Medical Spas procedures are life changing and carry with them risk.

Medical Spa owners can keep their insurance challenge simple and affordable by working with a Medical Spa Insurance Broker familiar experience in the market. The Doctors Insurance Agency is expert in Medical Spa Insurance. We have been working in this for 10 years. More specifically finding multiple suppliers of Medical Spa Insurance over the last five years working hard to find the difference between insurance policies that scales well and accommodate a large spa vs those policies that accommodate a one-person shop.

According to the Industry Analysts, (Salon and Spa Owners Association), spa owners might want to consider the following types of coverage:

  • Professional Medical Spa Liability (malpractice) coverage: This protects your business from the financial fallout if you as the aesthetic technician, a nurse doing the aesthetic procedures, midlevel, a physician or an employee makes a mistake that harms a customer.
  • General liability: This covers you if a customer is otherwise harmed on your premises.

Combining both property and liability insurance, a BOP can help protect your business in the event of such things as fire (property damage), suspended operations (business income) or lawsuits (liability) resulting from bodily injury, property damage, personal injury or advertising injury.

Your Medical Spa Insurance liability limits will depend on the nature of your business, your comfort with the risk, the kinds of procedures you do and other factors. This type of insurance coverage for medical spa's can extended limits of $2 Million per claim and $3 Million per year.

The Insurance Information Institute recommends that business owners also consider business interruption insurance, which compensates you if your spa has to close after a natural disaster or another covered peril. The coverage will reimburse you for profits that you might have earned had the disaster never taken place, based on your history and records. It also will pay for operating expenses (like electricity) while you make repairs. In basic terms, business interruption insurance protects businesses against losses that arise due to a shutdown of a business as a result of damage caused by a covered event, such as a fire, hurricane or other natural disaster.

We are proud to announce our our new Professional Medical Liability Spa Insurance!

We are extending our products and services to physicians, healthcare facilities, and healthcare providers such as Physicians, Nurse practitioners, Registered Nurses, Aestheticians, and massage therapists, by providing an adaptable and competitive Medi-Spa / Medical Spa coverage.

As physician and business owner it is difficult to keep up with the ever-changing pace of the medical industry as well as the rules and regulations to properly run a business. Many physician Medi-Spa owners are unaware that they do not have the proper professional liability coverage in place with their standard Medical Malpractice Insurance policy.  We at The Doctors Insurance Agency & O'Brien Insurance Services have noticed a significant growth in Medi-Spa industry and we are embracing this change to ensure our healthcare providers and healthcare facilities are properly protected.

Policies can be purchased on behalf of Medi-Spas who host the Cosmetic/Medical Services or by the doctor, nurse, aestheticians or anyone who can legally operate within their state.


Coverage options include general & professional liability for:

  • Facials & Peels
  • Microdermabrasion
  • Electrolysis Insurance
  • LED / Microcurrent
  • Body Wrap Insurance
  • Massage Insurance
  • Eyelash Enhancements
  • Foot Detoxification
  • Pilates Insurance
  • Eyebrow Enhancements
  • Airbrush Tanning
  • Tanning Salons
  • Hair & Nail Salons
  • Hydro Massage
  • Wax Removal
  • Sauna & Spas
  • Yoga Insurance


Exclusive Permanent Cosmetic Insurance including General and Professional Liability for:

  • Permanent Cosmetics - Eyeliner, Brows, Lips
  • Nipple areola
  • Camouflage
  • Cheek blush
  • Permanent cosmetic teachers (no per student charge)
  • Pigment lightening/removal
  • Needling/mutitrepannic collagen actuation (MCA)
  • Landlords


Medical Laser Insurance coverages we offer:

  • Laser Hair Removal Insurance
  • Photo Facials & Skin Rejuvenation Insurance
  • Sun & Age Spot Procedure Insurance
  • Veins Procedure Insurance up to 1.5mm
  • Rosacea Laser Insurance
  • Laser Tattoo Removal Insurance
  • Cellulite Treatment Insurance
  • Laser Hair Stimulation Insurance
  • Acne Reduction Treatment Insurance
  • Insurance for Laser Assisted Lipolysis
  • CO2

Laser Insurance Coverage is available for:

  • Laser/IPL technicians
  • Aestheticians (where state law allows it)
  • Nurses - Specialized Laser Insurance for Nurses
  • Medical Doctors - Professional Laser Insurance for your practice
  • Medi-Spas - Insurance Coverage for your entire facility


  • Lasers, IPLs, and LEDs
  • Dermal fillers - Restylane, Hylaform, Captique, Scupltra, Zyderm, Zyplast, Cosmoderm, Cosmoplast, Radiesse, and Juvederm
  • Botox / Dysport
  • Mesotherapy
  • Sclerotherapy
  • Medical Strength Peels
  • Microdermabrasion
  • Permanent Cosmetics
  • Laser Assisted Lipolysis
  • Colon Hydrotherapy
  • Latisse Prescriptions
  • Weight Loss Insurance
  • hCG Insurance
  • Vitamin Injections
  • Supplement Insurance

 For more information regarding professional medical liability spa insurance, contact us or fill out the form to receive customized medical spa insurance quote. 

Medical Spa Insurance Quote