Medical Spa Insurance: Liability & Malpractice Coverage Nationwide

Medical Spa Insurance: Liability & Malpractice Coverage Nationwide

Safeguard your med spa with strong, affordable protection from an AM Best ‘A’-rated carrier.

Med Spa Services: Growing Demand, Increasing Liability

The expanding med spa industry means more treatments, more locations, and a higher risk of malpractice claims.

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2023 Med Spa Market Size: $18.6 Billion

*According to the American MedSpa.*

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2031 Estimated Value: $57.4 Billion

*According to the American MedSpa.*

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Industry Growth: 18% of medical spas are new businesses (growing from 8,899 locations in 2022 to 10,488 in 2023)

*According to the American MedSpa.*

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U.S. States with the Highest Concentration of Med Spas: California (11.5%), New York (10%), Florida (8.8%), and Texas (7.6%)

*According to the American MedSpa.*

Non-invasive cosmetic procedures have grown steadily in recent years, with double-digit growth every year since 2018 and a record 17.2% jump between 2021 and 2022.
Source: ambwealth

With rising premiums and payouts, MEDPLI is your best ally.

Don’t settle for inadequate coverage or unfair rates.

Get a Quote

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Secure Coverage for Your Med Spa in 3 Easy Steps

Onboarding

We review your needs and confirm the liability requirements for each contract.

Application Management

We handle the paperwork, compare quotes from multiple A-rated carriers, and present the best options.

Select Your Med Spa Policy

Once you choose a policy, we finalize coverage and send your Certificates of Insurance right away.

Customer Reviews

MedSpa Office

Tailored Medical Malpractice Protection for Your Entire Team

Medical Spa Malpractice Claims Often Include:

  • Botox & Botulism Complications
  • Laser Burns
  • Tattoo Removal: Infection, Scarring, Hypopigmentation
  • Sclerotherapy Complications
  • Microblading & Permanent Makeup: Infections, Allergic Reactions
  • Chemical Peel Injuries
  • Post-Treatment Irritation or Bruising
MedSpa Office

Tailored Medical Malpractice Protection for Your Entire Team

Medical Spa malpractice claims often include:

  • Botulism & Botox Complications
  • Laser Burns
  • Tattoo Removal: Infection, Scarring, Hypopigmentation
  • Sclerotherapy Complications
  • Microblading & Permanent Makeup: Infections, Allergic Reactions
  • Chemical Peel Injuries
  • Post-Treatment Irritation or Bruising

What Our Med Spa Clients Have to Say

“When I started my practice, I had to deal with transferring my coverage from my work as an independent contractor to my new private practice. MEDPLI helped me navigate all the paperwork and red tape. There are many choices regarding malpractice policies and insurance brokers. Still, if you want an experienced broker that makes it easy to get the right coverage at the best price, I highly recommend working with MEDPLI.”
Dr. Ally Deziel, Founder of The Palm Plastic Surgery & Medspa, Plastic Surgeon
“I highly recommend MEDPLI insurance services. I am new and just starting a med spa with very little business experience, and they were able to help me with the paperwork and process to make it simple and worry-free.”
Marya Koza-saade, Founder of Greater Glow Medspa
“The agent I worked with was very educated about the options available with MEDPLI. She was very kind and knowledgeable. It was a pleasure working with her.”
Shelby, Reno Tahoe Medical Spa

The global med spa industry is expected to surpass $57 billion by 2031.

Protect your growth potential with premier liability coverage.

Med Spa Malpractice Insurance Coverage Costs

While actual premiums will depend on the specific application details and the insurance carrier’s underwriting process, most med spa medical malpractice insurance policies range from $5,000 to $15,000. (These estimates are for informational purposes only.)

Medical malpractice insurance rates for medical spas vary greatly based on the business’s unique risk profile and other factors, such as:

  • Claims history
  • Number of staff
  • Type of staff
  • Range of services
  • Patient volume
  • Number of facilities
  • Geographical location
  • Risk management programs

Spa Liability Insurance Made Simple

Save Time & Money

On average, MEDPLI clients save over 20% on insurance premiums. We handle the policy comparisons for you, so you can focus on growing your business.

Healthcare Industry Expertise

We exclusively broker medical malpractice insurance, entirely focused on the coverage needs of healthcare providers.

Local Customer Service

Your dedicated U.S.-based broker is available by phone whenever you have questions.

Ongoing Support

As your medical spa evolves, we keep you covered with proactive policy consultations & updates.

Med Spa Liability & Malpractice Insurance FAQ

A general liability business policy won’t cover the medical spa in case of a malpractice suit. Similarly, a medical director’s individual medical malpractice insurance policy does not protect the Medical Spa as an entity.
We generally suggest a claims-made policy with retroactive or prior acts coverage. This option can be renewed and avoids the need for additional tail insurance. Each provider’s policy should still be tailored to their specific situation.

While these top insurance providers offer excellent coverage, the “best” carrier varies for each medical professional based on their specialty, location, and unique risk profile.

Adequate coverage protects the healthcare facility and everyone who provides services at the Medical Spa, including: 

  • Medical Directors
  • Physicians
  • Nurse Practitioners (NPs)
  • Physician Assistants (PAs)
  • Registered Nurses (RNs)
  • Aestheticians
  • Massage Therapists
  • Laser Technicians

*You must inform your broker whether staff are your Employees (W2) or Independent Contractors (1099). Physicians and Medical Directors will often require individual medical malpractice coverage as well.

Medical malpractice insurance rates for medical spas vary significantly by several factors, including:

  • Claims history
  • Amount and type of staff employed
  • The nature and location(s) of the business
  • Types of services provided

Annual premiums for a med spa medical malpractice insurance policy will vary depending on the carrier and med spa, but most policies range from $5,000 to $7,500. (These estimates are for informational purposes only.)

Requirements vary by state, but the typical liability limits on medical spa professional liability policies are $1,000,000 per claim and $3,000,000 annual aggregate. Excess limits are available and sometimes required based on the needs of the individual spa.

Protect Your Med Spa & Your Bottom Line

With rising premiums and complex coverage requirements, choosing the right insurance partner matters more than ever.

Don’t leave your business exposed. Get expert coverage designed for medical spas like yours.

Get a Quote

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