Question 1

How much does med spa insurance cost?

Accepted Answer

Premiums are built around your specific treatment menu, credentials, revenue, and claims history. Qualified start-up practices typically begin between $1,800 and $2,500 per year. Multi-location groups start around $5,000. Advanced regenerative and surgical practices generally range from $5,000 to $7,500. Every quote is tailored, so the best way to know your number is to request an estimate.

Question 2

Do you cover ketamine clinics?

Accepted Answer

Yes. Ketamine clinics fall within our Tier 4 specialty programs. This is coverage many standard carriers decline outright, and it is an area we specialize in.

Question 3

Do you cover stem cell and regenerative therapy?

Accepted Answer

Yes. Live stem cell therapy and advanced regenerative treatments are covered under our Tier 5 programs, written for practices operating at the leading edge of regenerative medicine.

Question 4

Do you cover GLP-1 and medical weight loss?

Accepted Answer

Yes. GLP-1 and medical weight loss services are covered under Tier 3, reflecting the fast growth of medically supervised weight management in aesthetic and wellness practices.

Question 5

What states do you write in?

Accepted Answer

We are licensed in all 50 states and write coverage nationwide.

Question 6

What happens if a patient files a claim against my practice?

Accepted Answer

You file an incident report as soon as an adverse event occurs, because early reporting protects your position. Policies placed with Lloyd's of London include access to the Juno program legal hotline, available around the clock, so you can reach counsel immediately. Our team then coordinates with your carrier and legal counsel to manage the claim and keep your practice operating.

Question 7

Do I need to declare every procedure I perform?

Accepted Answer

Yes. Policies operate on a declared-activity basis, which means any procedure not listed on your schedule may not be covered in a claim. We audit your treatment menu at onboarding and again at renewal to close gaps before they become problems.

Question 8

Which carriers back your policies?

Accepted Answer

Our programs are backed by A-rated carriers, including Lloyd's of London, MedPro, and Admiral.

Question 9

How quickly can I get covered?

Accepted Answer

Our online quote tool produces an estimate in minutes, and a licensed underwriter reviews your application to finalize terms. Certificates of Insurance can be issued promptly once your policy is bound.

Question 10

Do you cover multi-location practices and franchises?

Accepted Answer

Yes. Multi-clinic and multi-location programs are written under structures built for that purpose and start from $5,000 per year. Coverage expands as you add sites.

Question 11

What types of insurance does a med spa actually need?

Accepted Answer

Most med spas need three core coverages. Professional liability, also called malpractice, covers clinical errors from the procedures you perform. General liability covers non-clinical incidents such as a client slipping in your reception area. Business property coverage protects your equipment and premises. Practices with employees typically also need workers' compensation. We build these into a single program tailored to your services so you are not left with gaps.

Question 12

What is the difference between professional liability and general liability?

Accepted Answer

Professional liability covers claims that arise from the clinical services you deliver, such as an injection injury or an adverse reaction to a treatment. General liability covers everyday business risks unrelated to the treatment itself, such as a visitor slipping on a wet floor or property damage. A med spa needs both, because one protects the treatment room and the other protects the premises.

Question 13

Does my med spa need its own policy if my medical director already has malpractice insurance?

Accepted Answer

Yes. A medical director's individual malpractice policy covers their personal supervisory liability. It does not cover your business entity or your staff. Your med spa needs its own policy written in the name of the business so the corporation, your injectors, nurses, and aestheticians are all protected. Relying only on the medical director's personal policy is one of the most common and costly gaps.

Question 14

What liability limits do I need?

Accepted Answer

The standard for most med spas is $1,000,000 per occurrence and $3,000,000 aggregate. Practices with higher-risk procedures, multiple locations, or operations in high-litigation states often carry higher limits such as $2,000,000 per occurrence and $4,000,000 aggregate. We help you match your limits to your actual risk rather than defaulting to the minimum.

Question 15

What is the difference between claims-made and occurrence coverage?

Accepted Answer

An occurrence policy covers any incident that happens while the policy is active, no matter when the claim is filed, even years later. A claims-made policy only covers a claim if your policy is active both when the incident occurred and when the claim is filed. If you carry a claims-made policy and switch or cancel, you may need tail coverage to stay protected. We explain which structure fits your situation before you buy.

Question 16

What is tail coverage and do I need it?

Accepted Answer

Tail coverage extends a claims-made policy so it still responds to claims filed after the policy ends, for incidents that happened while it was active. You typically need it if you carry a claims-made policy and are switching carriers, closing, or retiring. If your policy is written on an occurrence basis, you generally do not need tail coverage at all. We flag this clearly so you are never caught with a gap.

Question 17

Are my employees and contractors covered under the practice policy?

Accepted Answer

Your med spa's professional liability policy covers the business entity and the staff performing or assisting with procedures, including W-2 employees and, when properly structured, 1099 contractors, nurse practitioners, physician assistants, registered nurses, and aestheticians, as long as they are licensed and working within their scope. We confirm your staffing structure at onboarding so everyone who needs to be covered is.

Question 18

Does insurance cover Botox and dermal filler claims?

Accepted Answer

Yes. Injectable claims are among the most common in aesthetics and are a core part of your professional liability coverage. This includes complications such as ptosis, facial asymmetry, vascular occlusion from filler, or allergic reactions, when a patient alleges the outcome resulted from the injection. Your policy protects the prescribing clinician and the administering practitioner.

Question 19

Does insurance cover laser treatment injuries?

Accepted Answer

Yes. Laser and IPL claims are covered under your professional liability policy. These treatments carry real risk of burns, blistering, scarring, and pigment changes, and claims can be costly because of the long-term care sometimes involved. Coverage responds to claims involving device issues, incorrect skin-type assessment, missed patch testing, and operator technique, provided the treatment is on your declared schedule.

Question 20

Do you cover IV therapy and vitamin drips?

Accepted Answer

Yes. IV nutrition and vitamin therapy are covered, typically within our specialty tiers given the clinical nature of infusion services. As with all procedures, IV therapy must appear on your declared treatment schedule so any related claim is covered.

Question 21

Do you cover hormone therapy and pellet therapy?

Accepted Answer

Yes. Hormone optimization and pellet therapy are covered. These are increasingly common in med spa and wellness settings and are part of the specialized programs written for functional and integrative practices.

Question 22

Is med spa insurance required by law?

Accepted Answer

It depends on your state and your structure. Many states require some level of liability or malpractice coverage to perform medical procedures, and a medical director may be required to carry their own policy. Even where the state does not mandate it, coverage is often required in practice, because commercial landlords, lenders, and licensing boards frequently require proof of insurance before you can operate.

Question 23

Can I add or change treatments on my policy mid-term?

Accepted Answer

Yes. As your menu grows, you can add procedures to your policy. This matters because coverage operates on a declared-activity basis: a treatment not listed on your schedule may not be covered. We recommend reviewing your menu whenever you add a service, and we audit it at renewal so your coverage keeps pace with your practice.

Question 24

Can you provide a Certificate of Insurance (COI)?

Accepted Answer

Yes. Certificates of Insurance are issued quickly, which you will often need for a commercial lease, a licensing board, a lender, or a partnership. Once your policy is bound, a COI can be turned around right away.

Question 25

Do you cover solo injectors and independent practitioners?

Accepted Answer

Yes. Coverage is written for solo injectors, independent nurse practitioners, and single-provider practices, not just large groups. Coverage and pricing scale to your size, so a solo provider is not paying for a footprint they do not have.

Question 26

What happens to my coverage if I open a second location?

Accepted Answer

Your program can expand with you. Multi-location operations are written under structures built for that, and coverage adjusts as you add sites. Let us know before a new location opens so coverage is in place from day one.

Question 27

What is a Business Owner's Policy (BOP) and do I need one?

Accepted Answer

A Business Owner's Policy bundles general liability with business property coverage into a single package, often at a better rate than buying them separately. Many med spas pair a standalone professional liability policy with a BOP for their premises and equipment. We help you decide whether a bundled or standalone structure fits your business and budget.

Question 28

Does insurance cover my equipment, like lasers and devices?

Accepted Answer

Yes, through business property coverage. Aesthetic devices are expensive to replace, often ranging from tens of thousands to well over one hundred thousand dollars, so property coverage protects owned and, where applicable, leased equipment against perils such as fire, theft, and damage.

Question 29

Do you offer cyber liability or HIPAA coverage?

Accepted Answer

Cyber and HIPAA-related coverage is available as an add-on in many programs. Because med spas hold patient records and payment data, this coverage responds to data breaches and privacy incidents. Availability and terms vary by carrier, so we confirm what applies to your program during underwriting.

Question 30

Is sexual abuse and molestation (SAM) coverage available?

Accepted Answer

Coverage relating to sexual abuse and molestation allegations is an important and often misunderstood area in aesthetic and clinical insurance, and availability varies by carrier. In the market it is generally offered either as a standalone policy dedicated to this exposure, or as a sublimit endorsed onto a broader liability policy. Coverage is typically described in two parts: legal defense, which responds to the cost of defending an allegation, and indemnity, which responds to damages or settlements. Because structure, limits, and availability differ significantly by carrier and by a practice's risk profile, this coverage is reviewed individually during underwriting rather than applied uniformly.

Question 31

Can I get coverage if I have a prior claim or history?

Accepted Answer

Yes, a prior claim does not automatically disqualify you. Underwriting looks at the full picture, including the nature of the claim, how it was resolved, and the protocols you have put in place since. Practices with a claim in their history can often still secure coverage, though terms may reflect that history. We work to place coverage even where past claims exist.

Question 32

What is a Medical Director and does my policy require one?

Accepted Answer

In most states, med spas must have a physician medical director who provides oversight of clinical operations, though supervision requirements vary widely. In states with full practice authority, a nurse practitioner may practice independently and even serve in that role. Proper oversight matters for insurance because operating without required supervision can void coverage. We confirm what your state requires and how it affects your policy.

Question 33

How do I lower my med spa insurance premium?

Accepted Answer

Several factors are within your control. A clean claims history is the biggest driver. Verified practitioner credentials, documented consent and safety protocols, operating equipment within manufacturer guidelines, and accurately declaring your treatment menu all support better terms. Choosing appropriate limits rather than over- or under-insuring also helps. We review these with you so your premium reflects a well-run practice.

Provider	Injectables?	Notes
MD / DO	Yes, full authority	Delegating authority
ARNP (NP)	Yes, under collaborative agreement or autonomous registration	Cannot operate independently unless autonomous
Physician Assistant	Yes, under written supervision (§458.347)	Supervision agreement required
Registered Nurse (RN)	Yes, under physician order/standing order & supervision	Board of Nursing declaratory guidance governs
LPN	No (generally restricted from injectables)	Limited role
Esthetician / non-licensed	No	Non-medical cosmetic services only

Medical Spa Regulations in Florida

Who Can Own a Med Spa in Florida

Medical Director Requirements

2026 Change: Medical Spa Prescription Drug Oversight Act

Who Can Perform Services, and at What Level

Good Faith Exam and Delegation Authority

Telemedicine

Mobile and Off-Site Services

Lab Draws, Prescribing, and Performing the Service

Highlighted Services by Florida Regulators

Position on Medical and Compounded Products

Key Cases: The Range of Real Risk

How the Setup Must Look