Protect Your California
Med Spa With the Right Insurance
California is home to the largest concentration of medical spas in the U.S. From Los Angeles to San Diego to the Bay Area, demand for injectables, laser treatments, and IV therapy is booming.
​
But California also leads the nation in regulatory oversight — and without the proper insurance in place, one claim or licensing issue can shut down your practice.
​
At CarePro Insurance, we help California med spa owners and injectors stay covered, compliant, and confident. Whether you’re launching your first spa or managing a team of RNs, we build policies tailored to the Golden State’s unique legal environment.
What Insurance Does a Med Spa Need in California?
California doesn't issue a specific “med spa license,” but the state enforces strict oversight through the Medical Board of California and the corporate practice of medicine doctrine (CPOM).
If you provide aesthetic medical procedures, you need insurance that covers:
Workers Compensation:
-
Required in California if you have any employees — including part-time staff. Covers workplace injuries and lost wages.
California-Specific Rules Med Spa Owners Must Know
-
Only licensed physicians (MD or DO) may own a med spa offering medical treatments
-
Non-physicians (RNs, NPs, estheticians) may operate through an MSO (Management Services Organization) but cannot own the clinical side
-
Medical services must be provided by or under the supervision of a licensed physician
-
Many med spa claims in California involve CPOM violations, inadequate supervision, or lack of clear delegation protocols
-
✅ We help clients navigate these nuances and set up compliant, insurable business structures from day one.
FAQs from California Providers
-
“Can I own a med spa as a nurse injector?”
→ No. You must partner with a physician and operate through an MSO.
-
“Can I get insured before I have a medical director?”
→ Yes. We’ll help you start your quote and bind your policy once your supervising physician is confirmed.
-
“Do I need separate policies for my MSO and my med director?”
→ Often, yes. We can help structure insurance coverage for both entities if needed.
How Much Does Med Spa Insurance Cost in California?
Our partnership with CM&F Group gives Arizona providers access to A-rated carriers at competitive pricing.
​
​
We Help Insure:
-
Physician-led medical spas
-
RNs and NPs working under delegation
-
MSOs providing business support for medical spas
-
IV hydration clinics
-
PRP, microneedling, and laser providers
-
Room renters and mobile injectors
-
Estheticians under physician supervision
​Helpful Links:
-
Med Spa Insurance Cost Breakdown
-
Med Spa Insurance Mistakes to Avoid
-
Professional vs General Liability Comparison