GLP-1 Med Spa Insurance Exclusions: What You Need to Know Before Administering Weight Loss Injections
- Jeff Schmidt
- Jun 30
- 3 min read
Med spas offering weight loss treatments using GLP-1 medications like semaglutide (Wegovy®, Ozempic®) or tirzepatide (Mounjaro®) are seeing an explosion in demand. But what many business owners don’t realize is that their insurance policy may specifically exclude coverage for these medications.
This isn’t just a minor issue — it could leave your business entirely exposed in the event of a claim.
In this article, we’ll break down what the phrase GLP-1 med spa insurance exclusions really means, why it’s becoming more common, and how to protect your business with a smarter insurance solution.
What Are GLP-1 Med Spa Insurance Exclusions?
Let’s start with the basics. A GLP-1 med spa insurance exclusion refers to a clause in your policy that denies coverage for any claims arising from the administration, prescription, or side effects of GLP-1 receptor agonists. These exclusions typically apply to:
Semaglutide (Ozempic®, Wegovy®)
Tirzepatide (Mounjaro®)
Liraglutide (Saxenda®, Victoza®)
And other similar medications used off-label for weight loss
Insurers are increasingly wary of these medications due to:
Off-label use risks
Ongoing clinical studies
Media coverage of adverse effects
High-profile lawsuits against manufacturers
The result? Many carriers now explicitly exclude GLP-1s from their professional liability and med spa malpractice policies — especially in standard or low-cost programs.
Common Policy Language You Should Watch For
Here are real-world examples of exclusionary language found in med spa insurance policies:
“This policy excludes any liability arising from the administration or prescribing of GLP-1 agonists including but not limited to semaglutide, liraglutide, or tirzepatide.”
“Claims related to off-label weight loss medications are not covered under this agreement.”
“No coverage will be afforded for bodily injury, sickness, or disease resulting from the use of GLP-1 class medications.”
If you're offering these treatments, and your policy includes this kind of language, you're exposed.
How This Affects Your Med Spa
Here’s how a GLP-1 med spa insurance exclusion can impact your business:
A patient experiences side effects (e.g., severe nausea, pancreatitis) and files a lawsuit→ Your claim is denied.
Your provider improperly administers or prescribes semaglutide→ No legal defense is provided.
A licensing board opens an investigation related to your weight loss offerings→ You pay 100% of the legal costs out of pocket.
These medications are high-risk from a legal standpoint — and the financial fallout from one uncovered claim could easily bankrupt a small business.
Why CarePro Insurance Can Offer Better Solutions
At CarePro Insurance, we work with underwriters who understand the unique risks of today’s modern med spas — including the rise of medical weight loss.
Here’s how we help:
✅ Access to programs that do not automatically exclude GLP-1 medications
✅ Guidance on how to properly disclose your services to ensure coverage
✅ Support for both injectables and compounded medications
✅ Flexible options for professional liability, general liability, and cyber
✅ Coverage for IV hydration, hormone therapy, and aesthetic services under one policy
Whether you’re just launching a weight loss program or scaling a full medical aesthetic practice, we can tailor coverage that aligns with your offerings.
What to Do If Your Current Policy Has a GLP-1 Exclusion
If you're already insured, here's what to do next:
Request a full copy of your policy and endorsements – Don’t rely on the certificate of insurance alone.
Look for GLP-1, semaglutide, or “weight loss medications” in the exclusions section.
Contact us for a review. We’ll analyze your policy and provide recommendations — at no cost.
💡 Even if you aren’t currently administering GLP-1s, but are considering it — now is the time to secure coverage before you start.
Final Thoughts
As GLP-1 medications continue to reshape the medical spa landscape, your insurance must evolve with your services. Don’t let one clause in your policy put your business at risk.
If you’re unsure whether your med spa insurance includes a GLP-1 exclusion, let’s talk.We’ll help you find a better policy — one that actually covers what you do.
