Business Insurance for Medical Spas

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Medical Spa
Client getting skin treatment at a medical spa.
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Find the right insurance for your medical spa business

A customer’s complaint about laser hair removal or a Botox treatment could lead to a lawsuit. Medical spa insurance provides coverage for the unique risks of medspas.

Client getting a skin treatment at a medical spa.
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One application, multiple quotes

Insureon helps medical spas compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do medical spas need?

These policies provide coverage for the most common medical spa risks.

General liability insurance icon

General liability insurance

This policy covers basic medical spa risks, such as accidentally breaking a customer’s sunglasses during a skin treatment. Bundle with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan. It's one of the most cost-effective types of commercial insurance for medical spas.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for medical spas, also known as malpractice insurance, covers lawsuits related to work performance, such as a client claiming poor results from age spot removal.

  • Claims that tattoo removal didn’t work as promised
  • Injuries from a chemical peel or other treatment
  • Missed appointments
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Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for medical spas that have employees. It can cover medical costs for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

Why do medical spas need insurance?

At any spa, a customer could slip and you could suddenly face a lawsuit or medical bills. Day spa insurance covers noninvasive procedures such as massage and waxing. Medical spa insurance covers procedures such as microneedling and laser therapy, which could result in injury or a lawsuit over the results.

How much does insurance cost for medical spas?

Person doing calculations with a hair dryer and a chart in the background.

Several factors will have an impact on insurance costs, including:

  • Skin care treatments offered, such as dermal fillers and chemical peels
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Medical Spa