Med Spa Insurance
Medical spas combine aesthetic services with medical-grade treatments, creating insurance needs that can differ significantly from those of a traditional salon or day spa. Allied Beauty Experts offers med spa insurance designed for medical aesthetic practices, independent practitioners, and professionals providing a wide range of aesthetic and wellness services.
Our med spa insurance options include professional liability (malpractice) and general liability coverage for both non-invasive and invasive medical-grade aesthetic treatments. Coverage may also be extended to Medical Directors, Physicians, and Nurses who provide direct patient care, helping medical spas protect both the business and the professionals providing covered services.
With three levels of med spa coverage available, practices can select insurance based on the treatments and procedures they provide. Services that require additional premium are noted with an asterisk*.
Who Needs Med Spa Insurance?
Med spa insurance is designed for businesses and professionals providing medical aesthetic, cosmetic, and wellness treatments. Because these services can include everything from skincare procedures to injectables, lasers, and advanced medical treatments, coverage should reflect the actual services performed by the practice.
Coverage options may be appropriate for:
- Medical spa owners
- Independent aesthetic practitioners
- Estheticians and medical estheticians
- Cosmetic injectors
- Laser technicians
- Nurses and nurse practitioners
- Physicians and Medical Directors
- Practices offering aesthetic and wellness treatments
What Does Med Spa Insurance Cover?
Professional Liability
Professional liability, also commonly referred to as malpractice coverage, helps protect against claims related to covered professional services, treatment errors, alleged negligence, and complications associated with aesthetic procedures.
General Liability
General liability helps protect the business from certain non-treatment-related claims, including bodily injury or property damage associated with the operation of the med spa.
Advanced Aesthetic Procedures
Depending on the coverage level selected, insurance may be available for injectables, laser procedures, microneedling, PRP, IV therapy, hormone therapy, PDO threading, and other advanced aesthetic and wellness services.
Medspa I
PROFESSIONAL AND GENERAL LIABILITY
Professional liability (malpractice) and general liability coverage for Med Spas and Independent Technicians providing many common medical aesthetic treatments, including facial injections, dermal fillers, laser procedures, microneedling, PRP treatments, and related services. Services that require additional premium are noted with an asterisk*.
- Facial Injections
- Deeper Chemical Peels
- Dermal Filler Injections
- Fibroblast/Plasmapen
- Laser/RF/Ultrasound Treatments*
- Laser Age/Brown Spot Removal*
- Laser Hair Removal*
- Laser Pigmented Lesion Removal*
- Laser Spider Vein or Skin Tag Removal*
- PRP Hair Restoration
- PRP Microneedling
- RF Microneedling
- Teeth Whitening, Hydrogen Peroxide, Carbamide Peroxide Percentages
- Vitamin Injections
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Medspa II
PROFESSIONAL AND GENERAL LIABILITY
Expanded professional liability (malpractice) and general liability coverage for Med Spas and Independent Technicians providing additional procedures such as CoolSculpting, sclerotherapy, tattoo removal, laser-assisted lipolysis, offsite injectables, and other advanced aesthetic treatments.
- Cool Sculpting
- Hyperbaric Treatment
- Offsite Injectables
- Laser Assisted Lipolysis*
- Non-invasive Ultrasound
- Laser Tattoo Removal*
- Laser Leg Vein Treatment*
- Laser Wart Removal*
- Sclerotherapy Injections
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Medspa III
PROFESSIONAL AND GENERAL LIABILITY
Professional liability (malpractice) and general liability coverage for Med Spas and Independent Technicians offering advanced medical aesthetic and wellness procedures, including IV therapy, hormone therapy, PDO threading, PRP injections, Kybella/Mesotherapy, and related services. Services that require additional premium are noted with an asterisk*.
- Hormone Therapy
- IV Therapy
- Kybella/Mesotherapy
- P Shot and O Shot
- PDO Threading
- Platelet Rich Plasma Injections
- Mobile IV Therapy*
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Insurance for Popular Med Spa Treatments
Medical spas often provide a combination of aesthetic, cosmetic, and wellness services, each with different professional liability considerations. Allied Beauty Experts offers med spa insurance options for a wide range of procedures, with coverage based on the treatments performed and the Medspa coverage level selected.
Dermal Fillers & Facial Injectables
Injectable treatments are among the most common services offered by medical spas. Coverage options are available for facial injections, dermal fillers, and other eligible injectable procedures. Learn more about dermal filler injection liability insurance.
Laser Hair Removal & Laser Treatments
Medical spas offering laser-based procedures may need coverage designed for the specific treatments they perform. Allied Beauty Experts provides coverage options for laser hair removal and a variety of other eligible laser procedures. Learn more about laser hair removal insurance.
IV Therapy & Wellness Services
Practices offering IV therapy and related wellness services have insurance considerations that differ from many traditional aesthetic treatments. IV therapy is available under Medspa III, with mobile IV therapy available for an additional premium. Learn more about IV therapy insurance.
Microneedling & PRP Treatments
Coverage options are available for procedures including PRP microneedling, RF microneedling, PRP hair restoration, and certain platelet-rich plasma injections. The appropriate Medspa coverage level depends on the specific procedures performed by your practice.
PDO Threading
PDO threading is an advanced aesthetic procedure available under Medspa III coverage. Practices providing PDO thread treatments should make sure their professional liability coverage reflects this service.
Spider Vein & Sclerotherapy Treatments
Coverage options are available for eligible spider vein treatments, laser leg vein treatments, and sclerotherapy injections. Because the procedures used to treat visible veins can vary, the appropriate coverage level depends on the specific treatment performed.
Med Spa Insurance FAQs
What is med spa insurance?
Med spa insurance typically includes professional liability (malpractice) and general liability to help protect your practice from claims related to treatments and on-site incidents.
Is med spa insurance the same as malpractice insurance?
Malpractice coverage is generally part of a med spa policy under professional liability. Many practices also carry general liability to help cover non-treatment incidents that occur at the business.
What services are covered under a med spa policy?
Coverage is based on your service mix and the policy level selected (Medspa I, II, or III). Some advanced services may require an additional premium (noted with an asterisk*).
Can coverage extend to Medical Directors, Physicians, and Nurses?
Yes. Coverage may be extended to Medical Directors, Physicians, and Nurses who provide direct patient care, depending on how your policy is set up.
How do I choose between Medspa I, Medspa II, and Medspa III?
The right level is typically based on the highest-risk service performed at your med spa. If you’re unsure, our team can help match your services to the appropriate coverage level.
How much does med spa insurance cost?
The cost of med spa insurance depends on factors such as the treatments provided, professionals being covered, selected coverage level, and other characteristics of the practice. Allied Beauty Experts offers three Medspa coverage levels based on the types of services performed.
Do med spa owners need malpractice insurance?
Professional liability, commonly referred to as malpractice insurance, can help protect a med spa from claims involving covered professional treatments, alleged negligence, or treatment-related injuries.
Does med spa insurance cover laser treatments?
Coverage is available for a variety of eligible laser procedures, including laser hair removal and certain other laser-based aesthetic treatments. Some laser services require an additional premium.
Does med spa insurance cover IV therapy?
IV therapy is included among the services available under Medspa III coverage. Mobile IV therapy may also be available with an additional premium.
Can cosmetic injectors be covered by med spa insurance?
Coverage options are available for a variety of eligible injectable procedures and professionals. The appropriate coverage depends on the procedures performed and how the practice is structured.