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Why do medical spas need insurance?
Med spas are booming with the popularity of Botox and other anti-aging treatments, but that popularity brings risk. A client could sue over a burn from laser hair removal, or lack of physician supervision for a medical procedure. Medical spa insurance covers costly legal issues and accidents that could otherwise force your spa to close.
Find the right coverage
Insureon helps aestheticians find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right insurance coverage for your medispa.
What types of business insurance do medical spas need?
These insurance policies cover common risks in the medical spa industry.
General liability insurance
A general liability policy covers basic third-party risks, such as a customer who slips while getting into a chair for a facial treatment. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's one of the most cost-effective types of commercial insurance for medical professionals.
BEST FOR
- Customer injuries
- Customer property damage
- Business property damage
Professional liability insurance
Professional liability coverage for medical spas pays for legal costs related to your work, such as blemishes caused by a rejuvenation treatment. It's also called medical malpractice insurance.
BEST FOR
- Tattoo removal scars
- Injuries from a chemical peel
- Missed appointments
Workers’ compensation insurance
Most states require workers' compensation for medical spas that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for medical spas that handle credit card numbers and other personal information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a medical spa. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does personal care, beauty, and medical spa insurance cost?
A small med spa will pay less for business insurance than a larger spa with several aesthetic nurses.
Factors that affect premiums include:
- Wellness and medical services offered, such as liposuction and laser treatments
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get medical spa insurance?
It's easy to get medical spa insurance, day spa insurance, or permanent makeup insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your spa, whether you work independently or hire employees.
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