Protect Your New York Med Spa with Compliant, Customized Insurance
New York is one of the most tightly regulated states in the country when it comes to medical practices — and med spas are no exception. Whether you're operating in NYC, managing a location in Buffalo, or offering injectables in Albany, having the right insurance in place is non-negotiable.
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At CarePro Insurance, we specialize in building state-compliant, tailored insurance policies for medical spas, injectors, estheticians, and physicians across New York. From CPOM compliance to supervision requirements, we help you get protected and stay operational — without the guesswork.
What Insurance Does a Med Spa Need in New York?
New York’s Corporate Practice of Medicine (CPOM) law restricts who can own or operate a med spa. If your services include Botox, fillers, PRP, or laser treatments, you’re offering medical procedures — and that brings liability.
We’ll help structure your insurance around your business model and services.
Workers’ Compensation
Required if you employ anyone (even part-time or 1099, depending on structure). Covers:
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On-the-job injuries
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Lost wages
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Medical costs and legal defense
What to Know About Med Spa Compliance in New York
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New York enforces some of the strictest CPOM laws in the U.S.. If you're not structured correctly, you could be fined, shut down, or denied licensure.
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Key requirements include:
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Only licensed physicians (MD/DO) may own the clinical portion of a med spa
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Non-physicians (like NPs, RNs, estheticians) must operate under physician delegation or within an MSO framework
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Aesthetic procedures like Botox and PRP must be performed by, or under the supervision of, a qualified medical professional
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Laser providers may require additional licensure or oversight under state and municipal codes
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🧠Pro Tip: If you're operating in NYC, Nassau County, or Westchester, there may be additional local health board regulations. We help you comply across all regions.
What Arizona Med Spa Owners Are Asking:
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“I rent a room inside a salon. Do I still need insurance?”
→ Yes — you are personally liable for the services you provide, even inside someone else’s building.
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“Do I need separate coverage for my RN injector?”
→ Yes. Each licensed provider should have their own policy — or be named on your practice’s coverage.
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“Can I get insurance before I open?”
→ Absolutely. We offer pre-opening coverage with a future effective date so you’re protected before launch.
How Much Does Med Spa Insurance Cost in Arizona?
Our partnership with CM&F Group gives New York providers access to A-rated carriers at competitive pricing.
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Coverage Built for New York Med Spa Owners
We help insure:
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Physician-led med spas
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Injectors and NPs in independent or delegated settings
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RNs, estheticians, and PAs working under supervision
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MSOs supporting clinical operations
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Pop-up or mobile med spas in New York
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Providers in NYC, Buffalo, Albany, Rochester, and beyond