Business Insurance for Medical Spas

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Medical Spa

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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.

Client getting a skin treatment at a medical spa.

Find the right coverage

Insureon helps aestheticians find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right insurance coverage 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 can pay for legal costs related to work performance, 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

Looking for different coverage? See more policies.

How much does personal care, beauty, and medical spa insurance cost?

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

A med spa with a few workers will pay less for insurance than a larger spa.

Factors that affect premiums include:

Wellness and medical services offered, such as liposuction and laser treatments
Business property and equipment
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

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. insurers to find coverage that fits your spa, whether you work independently or hire employees.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

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