Business Insurance for Medical Spas

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Woman getting skin treatment at a medical spa.

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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.

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 insurance do medical spas need?

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

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.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

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.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Professional liability insurance

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

BEST FOR

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

Workers’ compensation insurance

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

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Looking for different coverage? See more policies.

How much does insurance cost for medical spas?

Man holding a calculator with computers and books behind him.

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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What our customers are saying

"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. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

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.

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