Question 1

What is med spa liability insurance?

Accepted Answer

Coverage that may include professional liability (malpractice), general liability, property, cyber/HIPAA, and related protections.

Question 2

Do med spas need both professional and general liability?

Accepted Answer

Yes—professional addresses treatment claims; general addresses premises risks like slip-and-fall.

Question 3

Who needs med spa insurance?

Accepted Answer

Owners, medical directors, NPs/PAs/MDs, RNs, aestheticians, laser techs, and independent injectors may need coverage.

Question 4

What limits are typical?

Accepted Answer

Many contracts expect $1,000,000 per claim / $3,000,000 aggregate, but requirements vary by venue and state.

Question 5

Which procedures may be covered?

Accepted Answer

Commonly neuromodulators/fillers, lasers/IPL, microneedling/PRP, peels, facials, and body contouring—subject to policy terms.

Question 6

Are GLP-1 weight loss services covered?

Accepted Answer

Policies may exclude GLP-1s or require special underwriting; confirm before offering.

Question 7

Is IV hydration therapy covered?

Accepted Answer

Often with proper licensure, protocols, and endorsements where required.

Question 8

Are PDO threads covered?

Accepted Answer

Many carriers restrict or rate up threads and require training proof and device compliance.

Question 9

Are lasers and IPL covered?

Accepted Answer

Typically with documented training, maintenance logs, and approved devices.

Question 10

Does insurance cover off-label use?

Accepted Answer

Often limited or excluded; obtain consent and confirm with your policy.

Question 11

Claims-made vs. occurrence—what’s the difference?

Accepted Answer

Claims-made responds if the claim is reported during the policy; occurrence responds to incidents during the term even if reported later.

Question 12

Do I need tail coverage when switching carriers?

Accepted Answer

You may need tail if moving from claims-made without prior-acts coverage.

Question 13

What is a retroactive date?

Accepted Answer

It marks the earliest incident date covered by your claims-made policy; keep it intact when changing carriers.

Question 14

Are independent contractors covered?

Accepted Answer

Not automatically; contractors usually need their own malpractice and may be added as additional insureds for GL.

Question 15

What is medical director coverage?

Accepted Answer

Coverage that may address physician oversight/supervision exposure where required by state rules.

Question 16

Is vicarious liability included for staff work?

Accepted Answer

Often for employees; contractors typically require separate policies—check your terms.

Question 17

Are adverse events like vascular occlusion covered?

Accepted Answer

Professional liability may respond to alleged negligence for covered procedures with proper training and protocols.

Question 18

Are consent forms required for coverage?

Accepted Answer

Policies often expect signed informed consent and thorough documentation.

Question 19

Does insurance cover retail product sales?

Accepted Answer

General liability may include products/completed ops; private-label items can require special review.

Question 20

Is cyber/HIPAA insurance necessary?

Accepted Answer

Yes—it may cover breaches, ransomware, investigations, and notifications.

Question 21

What is license board defense coverage?

Accepted Answer

It may cover attorney fees and costs if a board investigates a complaint.

Question 22

Does insurance cover advertising injury?

Accepted Answer

GL may include personal/advertising injury; IP and intentional acts are commonly excluded.

Question 23

Is equipment and build-out covered?

Accepted Answer

Property/BOP coverage may insure contents, lasers, and improvements at agreed limits.

Question 24

Is equipment breakdown and spoilage covered?

Accepted Answer

Often available by endorsement for mechanical/electrical breakdown and drug/coolant spoilage.

Question 25

Is business income covered after a loss?

Accepted Answer

Business interruption may replace lost income/extra expense after a covered property loss.

Question 26

Are pop-up clinics and events covered?

Accepted Answer

Coverage may extend with notice/certificates; some events need separate endorsements.

Question 27

Do mobile med spa services need special coverage?

Accepted Answer

Yes—address offsite operations, premises, and any hired/non-owned auto exposure.

Question 28

Is hired and non-owned auto needed?

Accepted Answer

If staff use personal/rented vehicles for business, HNOA may be needed; it doesn’t cover the driver’s own car.

Question 29

Will my landlord require additional insured status?

Accepted Answer

Often yes, with waiver of subrogation and specific limits on COIs.

Question 30

What documentation helps defend claims?

Accepted Answer

Detailed charting, consent, device logs/settings, incident reports, photos, and post-care instructions.

Question 31

Are refunds or chargebacks covered?

Accepted Answer

Generally no; policies respond to negligence claims, not dissatisfaction alone.

Question 32

Can I treat minors and be covered?

Accepted Answer

Coverage may require guardian consent, age limits, and compliance with state scope/supervision rules.

Question 33

What training proof is expected?

Accepted Answer

Certificates, proctoring records, vendor/device training, and competency documentation.

Question 34

Is microneedling with PRP or exosomes covered?

Accepted Answer

PRP may be covered with protocols; exosomes/biologics are often excluded or restricted—confirm first.

Question 35

Is body contouring covered?

Accepted Answer

Often for approved devices with training and protocols; some devices need separate underwriting.

Question 36

Are peels and medical-grade facials covered?

Accepted Answer

Generally yes with proper training and product use; deeper peels may be limited.

Question 37

Are needlestick or sharps injuries covered?

Accepted Answer

Patient injuries may fall under professional or GL; staff injuries are typically workers’ comp.

Question 38

How do deductibles or SIRs work?

Accepted Answer

They are the amount you may pay per claim; some policies include defense costs inside limits.

Question 39

Aggregate vs. per-claim limit—what’s the difference?

Accepted Answer

Per-claim is the max per incident; aggregate is the total for all claims in the policy term.

Question 40

Can I pay monthly?

Accepted Answer

Many programs offer financed or monthly options depending on premium size.

Question 41

Are franchise requirements different?

Accepted Answer

Franchises may require specific coverages (e.g., HNOA, cyber) and endorsements—check your FDD.

Question 42

Are telehealth or virtual consults covered?

Accepted Answer

Often with telemedicine endorsements and proper licensure; cross-state services need special review.

Question 43

What is prior acts coverage?

Accepted Answer

It covers earlier procedures back to your retro date on a claims-made policy.

Question 44

Will a rented or shared laser be covered?

Accepted Answer

Possibly if scheduled and used by trained staff; lessors may require additional insured status.

Question 45

Do I need a supervising physician?

Accepted Answer

State rules vary; some require physician oversight or protocols for certain procedures.

Question 46

Are new hires automatically covered?

Accepted Answer

Employees may be included if within scope; report staffing changes and update ratings.

Question 47

Is reputational harm covered?

Accepted Answer

Some policies include limited PR/crisis expenses by endorsement.

Question 48

Does cyber include PCI and ransomware?

Accepted Answer

Many cyber policies include breach response, PCI assessments, forensics, notification, and ransomware support—subject to limits.

Question 49

What COI requests are common?

Accepted Answer

Additional insured, waiver of subrogation, specific limits, and event or landlord wording.

Question 50

How are premiums determined?

Accepted Answer

Specialty mix, procedures, revenue/payroll, claims history, location, limits, and endorsements drive price.

Question 51

What happens after I report a claim?

Accepted Answer

You receive a claim number and assigned adjuster/counsel; preserve records and follow guidance.

Question 52

Are training discounts available?

Accepted Answer

Some programs may credit accredited training, device certifications, or risk courses.

Question 53

What exclusions are common?

Accepted Answer

Experimental procedures, off-label biologics, unscheduled devices, criminal acts, and guarantees of results are commonly excluded.

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Frequently asked questions

What types of insurance does a med spa need?

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Is coverage available in my state?