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Botox Injection

Pennsylvania Med-Spa Liability Insurance

Pennsylvania’s MCARE environment and high malpractice verdicts mean every medical spa needs rock-solid coverage. This guide explains PA-specific rules, sample premiums, and how to bind a policy online in minutes.

Why Pennsylvania Med-Spas Need Tailored Coverage

MCARE Does NOT Cover Med-Spas: The state excess fund applies only to physicians who carry $500k / $1.5M primary limits—med-spas are on their own.  
 

High Jury Awards: Cosmetic-procedure verdicts in PA regularly top $2 million dollars.  
 

Delegation Rules: The PA State Board requires written protocols and direct physician supervision for lasers, deep peels, injectables.

 

A dedicated policy:

1. Separates Professional Liability (treatment claims) from General Liability (slip-and-fall).  
2. Covers Botox, fillers, lasers, RF microneedling, weight-loss injections, and more.  
3. Adds optional Cyber and Product Liability riders if you sell skincare lines.
 

What Does Med-Spa Insurance Cover in Pennsylvania?
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Professional Liability – Laser burns, filler nodules, infection claims  
General Liability – Premises injuries, property-damage suits  
License Defense – Legal fees if the PA State Board of Medicine investigates  
Cyber & HIPAA – Data breaches, ransomware, privacy fines  
Product Liability – Private-label serums or wellness products (optional)

Laser Hair Removal

Pennsylvania-Specific Laws & Requirements

  • MCARE Fund Applies to Physicians Only  
    Doctors who carry at least 500 k / 1.5 M primary limits receive excess coverage from MCARE. Med-spa entities, NPs, and PAs are not eligible.
     

  • No Statutory Insurance Mandate  
    Pennsylvania does not require med-spas to carry malpractice insurance, but landlords and supervising physicians do.
     

  • Statute of Limitations  
    Two years from injury date; discovery rule can extend, and fraud or foreign-object exceptions apply.
     

  • Strict Advertising Rules  
    The PA Board prohibits misleading terms such as “medical doctor supervised” unless a physician is actually on staff.

FAQs from Pennsylvania Med-Spa Owners

  • Is malpractice insurance mandatory in PA?  
    Legally no, but landlords and supervising physicians require proof—usually 1 M / 3 M.
     

  • Does the MCARE fund cover med-spas?  
    No. MCARE excess coverage is for physicians only.
     

  • Do I need tail coverage if I switch carriers?
    If your current policy is claims-made and the new carrier will not grant prior acts, you will need tail.

How Much Does Med Spa Insurance Cost in Pennsylvania?

  • Solo Injector - $1M/$3M Coverage:  
    $900 - $1,700 annual premium
     

  • Startup Med Spa (2-4 Staff) - $1M/$3M Coverage:  
    $4,100 - $6,700 annual premium
     

  • Full Med Spa (with lasers) - $1M/$3M Coverage: 
    $6,400 - $9,200+ annual premium

Covering Med-Spas Across Pennsylvania:

  • Philadelphia

  • Pittsburgh

  • Allentown

  • Erie

  • Reading

  • Harrisburg

  • Scranton

  • Lancaster

  • Bethlehem

  • every county statewide

​Helpful Links:

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