For over 20 years, we’ve supported the rapid evolution of med spa and wellness practices, providing tailored protection that grows with our clients.
We’ve seen trends rise, risks evolve, and regulations shift. Through it all, we’ve remained a trusted guide for aesthetic and functional medicine providers.
Our team brings together deep expertise in insurance underwriting, wellness operations, and advanced clinical care. You’re not just getting a policy — you’re getting a team that understands your business.
With thousands of clients and a national footprint, we’re proud to lead the industry in high-risk, specialty, and alternative care coverage.
Products Liability coverage can apply to compounded injectables if they’re administered in your scope of practice and sourced from a licensed pharmacy. However, this type of claim may also fall under your Professional Liability policy, especially if the product was administered during a procedure. It’s important to disclose any compounded substances you use so we can ensure the correct policy endorsements are in place.
Yes — Products Liability coverage is specifically designed to respond to delayed reactions or complications tied to a product you sold, dispensed, or applied. Whether it’s a topical cream, injectable, supplement, or post-care kit, if your practice is alleged to be responsible for the product causing harm, this policy may provide defense and payout on your behalf (up to the policy limits).
Not typically. While General Liability covers things like slips and falls, and Professional Liability covers treatment-based negligence, Products Liability is a separate layer of protection for issues tied to products you sell, apply, or distribute. If you retail skincare, offer supplements, or use branded products during treatments, it’s important to carry Products Liability to avoid costly gaps in coverage.
Yes — even if product sales make up a small part of your revenue, you could still be named in a claim if a patient experiences a negative reaction. It only takes one incident for a legal or medical issue to arise. Products Liability insurance gives you peace of mind, even if your retail shelf is minimal.
Yes — if your policy is structured correctly. Online sales and e-commerce can expose your practice to additional liability, especially across state lines. If you sell skincare, supplements, or wellness products through a website, let us know so we can include the right coverage for both in-clinic and online distribution.
Some high-risk or unregulated products may be excluded — including non-FDA approved items, off-label drug uses not disclosed, or products sourced from unlicensed suppliers. During the underwriting process, we’ll review your product list to make sure everything is appropriately covered or flagged, so there are no surprises during a claim.
