Adverse reactions or complications from an aesthetic procedure could lead to a lawsuit. Business insurance helps cover legal fees and out-of-court settlements. It can also pay for other common risks, such as data breaches, fires, theft, and property damage.
These insurance policies cover common risks faced by aesthetic nurses.
Malpractice insurance covers legal costs when an aesthetic nurse is sued for negligence, such as an infection caused by a Botox injection. It’s also called professional liability insurance.
Most states require workers' comp for businesses that have employees. It also protects cosmetic nurses who work independently from work-related injuries not covered by health insurance.
A business owner's policy, or BOP, is a cost-effective way for aesthetic nurses to buy commercial property insurance and general liability coverage together.
This policy covers attorney’s fees and other legal costs from third-party accidents, such as a patient who slips and suffers an injury at your clinic. It's often required for a commercial lease.
This policy helps cosmetic nurses pay costs associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
Most states require commercial auto insurance for vehicles owned by a cosmetic nurse's practice. It helps cover the cost of accidents involving your business vehicle.
It's easy to get business insurance for aesthetic nurses if you have your company information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for nurses, caregivers, and other healthcare providers, whether you work independently or hire employees.
Medical malpractice insurance, also called a professional liability policy, protects nurses from legal defense costs and provides peace of mind in the event of a lawsuit related to your work performance. There are several reasons you may need to buy this coverage:
Fortunately, it's possible to find affordable aesthetic nurse malpractice insurance. Insureon's easy online application lets you compare quotes to find the best possible rate. You can customize your coverage options to match your specific needs and your budget.
Aesthetic nurse malpractice insurance can cover a wide range of claims related to patient care, including:
Keep in mind that malpractice insurance is usually sold as a claims-made policy instead of an occurrence-based policy. That means you'll need to maintain continuous coverage, as your policy must be active in order for you to file a claim.
In addition to the policies mentioned above, product liability insurance provides crucial coverage for aesthetic nurses.
Product liability insurance protects against legal costs related to the products that you use or sell, from facial injectables to fillers. For example, it would help cover a lawsuit resulting from an allergic reaction to Botox. This coverage is often included in your general liability insurance.
Consult a licensed insurance agent to find out about any exclusions or to add other types of coverage to your policies.