Med Spa Insurance Cost Breakdown by Service: Botox, Fillers, Laser & More

Whether you’re launching a new aesthetic practice or expanding your current offerings, understanding the cost of medical spa insurance is essential. Treatments like Botox, dermal fillers, and laser services come with inherent liability risks—and your coverage should be as tailored as the services you provide.

This guide covers med spa insurance cost breakdown by service, outlines what drives pricing, and shows how to get comprehensive protection that aligns with your treatment menu and business size.

For a complete overview of coverage types and med spa risk management, visit our Med Spa Insurance Guide.

What Affects Med Spa Insurance Costs?

Several factors influence your premium:

• Services Offered (invasive vs. non-invasive)

• Annual Revenue

• Number of Providers

• State Regulations and Claims History

• Type of Policy (Claims-Made vs. Occurrence)

A med spa offering injectables and lasers will pay more than one offering only facials and massage therapy. Likewise, a California location may have higher premiums than one in a rural state due to regulatory and litigation trends.

Insurance Cost by Service (Estimated Ranges)

Below is a breakdown of sample insurance premium ranges based on common med spa services.

Disclaimer: The following rates are illustrative only. All policies are individually underwritten, and actual premiums may vary based on business size, location, revenue, provider experience, and claims history.

Med Spa Insurance Cost Breakdown by Service

Service Type	Annual Premium Range (per provider)
Botox / Dermal Fillers	$2,000 - $4,500
Laser Hair Removal / IPL	$2,200 - $4,800
Microneedling / PRP	$2,000 - $4,000
Body Sculpting (e.g. CoolSculpting)	$2,000 - $4,500
Chemical Peels / Facials	$1,200 - $2,500
IV Therapy / Wellness Shots	$1,800 - $3,800
Weight Loss Programs	$2,000 - $4,200

Want more accurate pricing? Request a custom quote through our portal for med spa liability insurance tailored to your services.

What’s Included in Your Premium?

Most full-service med spa policies include:

• Professional Liability (Malpractice)

• General Liability

• Property Coverage

• Product Liability

• Cyber Liability (for patient data and EHR protection)

Depending on the services offered, you may also need:

• Workers' Compensation

• Employment Practices Liability Insurance (EPLI)

• Medical Director Coverage (if required in your state)

Our main Med Spa Liability Insurance page has details on all available policy components.

How to Reduce Insurance Costs

Here are a few ways to manage premiums without sacrificing protection:

• Bundle Policies: Choose a provider that offers business owner's packages

• Implement Risk Management: Use strong patient consent forms, document treatments, and ensure proper training

• Limit High-Risk Services: If appropriate, exclude the most liability-heavy procedures

You can also ask about discounts for:

• No claims history

• Full-time vs. part-time providers

• New business status (within 1–2 years)

Real Scenario: Why Coverage Levels Matter

Dr. Patel runs a med spa in Texas offering Botox and microneedling. A client experienced nerve damage after an injection. The patient sued for $75,000. Because Dr. Patel carried $1M/$3M professional liability coverage, his insurer handled legal defense and settlement without out-of-pocket costs.

Takeaway: Don’t skimp on limits. Your premium is a small price compared to the potential financial loss from a claim.

Final Thoughts: Price Shouldn’t Be a Mystery

The cost of med spa insurance varies based on services, location, and risk profile—but with the right guidance, you can get strong protection at a competitive price.

Get your tailored quote today through CarePro Insurance’s online portal: Start Here

And for in-depth information on what to include in your policy, visit our Med Spa Insurance Guide.