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Why do medical spas need insurance?
Med spas are booming with the popularity of Botox and other anti-aging treatments, but that popularity brings risk. A client could sue over a burn from laser hair removal, or lack of physician supervision for a medical procedure. Medical spa insurance covers costly legal issues and accidents that could otherwise force your spa to close.
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Insureon helps aestheticians find the right types of coverage that match your unique needs.
Get free expert advice and peace of mind knowing you have the best insurance for your medispa.
What types of business insurance do medical spas need?
These insurance policies cover common risks in the medical spa industry.
General liability insurance
A general liability policy covers basic third-party risks, such as a customer who slips while getting into a chair for a facial treatment. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's one of the most cost-effective types of commercial insurance for medical professionals.
BEST FOR
- Customer injuries
- Customer property damage
- Business property damage
Professional liability insurance
Professional liability coverage for medical spas pays for legal costs related to your work, such as blemishes caused by a rejuvenation treatment. It's also called medical malpractice insurance.
BEST FOR
- Tattoo removal scars
- Injuries from a chemical peel
- Missed appointments
Workers’ compensation insurance
Most states require workers' compensation for medical spas that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for medical spas that handle credit card numbers and other personal information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a medical spa. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does personal care, beauty, and medical spa insurance cost?
A small med spa will pay less for business insurance than a larger spa with several aesthetic nurses.
Factors that affect medical spa insurance costs include:
- Wellness and medical services offered, such as liposuction and laser treatments
- Business property and equipment
- Annual business income
- Location
- Types of insurance purchased
- Policy limits and deductibles
How do I get medical spa insurance?
It's easy to get medical spa insurance, day spa insurance, or permanent makeup insurance if you have your company information on hand. Our application will ask for basic facts about your company, 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage that fits your spa, whether you work independently or hire employees.
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Common questions about medical spa insurance
Get answers to frequently asked questions (FAQs) about med spa insurance and more.
Do I need medical spa malpractice insurance?
Whether or not spas are required to carry medical spa malpractice insurance is dependent on the state, municipality, and city in which they operate. However, even when not required, having an active policy is a crucial element of a well-versed risk management plan.
While med spa professionals do their best to provide premier care for their clients, errors and mistakes can still sometimes happen. And customers can often experience exceptional care, but end up feeling unhappy with the results they receive, which can lead to a malpractice claim.
For example, you could perform a routine laser hair removal session or chemical peel on a client, and they leave happy initially. But if they decide they aren't satisfied with the outcome of the service later on, they can file a claim alleging it wasn't performed correctly or you didn't provide the best quality of care.
Having the right malpractice insurance for Botox injections, laser therapy, microdermabrasion, hair removal, dermal fillers, weight loss, and other aesthetic services can protect your med spa facility from costly lawsuits, legal defense costs, and settlements.
Recording or photographing customers can be a great social media tactic to promote your personal care services or medical spa. However, this initiative can come with some unique risks, so it's best to have your customers sign a waiver before sharing their images or videos on your website and social media accounts.
Unless an image you want to share to promote your business has a Creative Commons license, you could face serious legal consequences if you weren't given permission to use it.
A social media insurance policy, which is typically included in general liability insurance coverage, can protect med spa owners from even the most frivolous claim of copyright infringement or privacy violation. This policy would protect your business from financially devastating effects of a lawsuit or settlement.
If I sell spa products, do I need cosmetic product liability insurance?
Should a customer experience an allergic reaction to any product you sell or use on them, a cosmetics product liability insurance policy will help pay for your defense costs, legal fees, and any settlement or court-ordered judgement.
This coverage offers protection from:
Illness caused by a product. Product liability insurance coverage safeguards your medical spa from illnesses caused by products sold or manufactured by your business. That includes allergic reactions from skin and beauty products.
Injury caused by a product. If a client suffers a bodily injury from a beauty or personal care product you made or sold, this insurance can cover the cost of hiring an attorney and any financial losses associated with the claim.