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Botox Injection

Georgia Med-Spa Liability Insurance

Georgia’s 2024 SB 321 strengthened physician-supervision rules for cosmetic procedures—raising both compliance obligations and malpractice exposure. This guide covers GA-specific insurance requirements, sample premiums, and how to bind coverage online in minutes.

Why Georgia Med-Spas Need Tailored Coverage

SB 321 (“Patients First Act”) raised penalties for improper delegation in cosmetic medicine.  
 

Corporate Practice of Medicine (CPOM): Georgia allows non-physician ownership, but a supervising MD must direct medical decisions.  
 

Rapid Growth: Atlanta’s med-spa market grew 18 % in 2024, increasing claim frequency.

 

A dedicated policy:

1. Covers injectables, lasers, RF microneedling, and emerging treatments.  
2. Separates General Liability (slip-and-fall) from Professional Liability (treatment claims).  
3. Offers optional Cyber and GLP-1 weight-loss coverage riders.

What Does Med-Spa Insurance Cover in Georgia?
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Professional Liability – Botox/filler complications, laser burns
General Liability – Premises injuryies and property damage claims  
License & Board Defense – Legal fees if the Georgia Composite Medical Board investigates  
Cyber & HIPAA – Data breaches, ransomware, privacy fines  
Product Liability (optional) – Private-label skincare lines

Laser Hair Removal

Georgia-Specific Laws & Requirements

  • SB 321 (2024):
    Requires physicians to be on-site or immediately available for cosmetic lasers, deep peels, and injectables; violators face fines up to $50 k.  
     

  • No Statutory Insurance Mandate:
    Georgia law doesn’t require malpractice insurance, but landlords and supervising physicians do.
     

  • Statute of Repose:
    5-year max for malpractice claims (O.C.G.A. §9-3-71), but “foreign object” and fraud exceptions extend exposure.
     

  • No Damage Caps:
    Georgia Supreme Court struck down med-mal caps in 2010—verdicts in elective-aesthetics cases can exceed $3 million.
     

FAQs from Georgia Med-Spa Owners

  • Is malpractice insurance mandatory for Georgia med-spas?

  • Not by statute, but landlords and supervising physicians require proof—typically $1M / $3M.
     

  • Can a non-physician own a NJ med-spa?
    Yes, but only a licensed physician may diagnose, prescribe, or delegate medical treatments.
     

  • Do I need tail coverage if I switch carriers?
    If your current policy is claims-made and the new carrier won’t provide prior acts, you’ll need tail.

How Much Does Med Spa Insurance Cost in Georgia?

Covering Med-Spas Across Georgia:

  • Atlanta

  • Augusta

  • Savannah

  • Macon

  • Columbus

  • Athens

  • Alpharetta

  • Marietta

  • Warner Robins

  • and every county statewide

​Helpful Links:

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