insurance for medical spas

assessing their needs

Medical Spa Insurance

Westwood work with agents to ensure their Medical Spa clients have the best possible insurance coverage for every threat they face in today’s climate of uncertainty.

Medical spas, also known as medspas, provide non-invasive cosmetic procedures such as Botox injections, laser treatments, and chemical peels. While medical spas are a growing segment of the healthcare industry, they also face several challenges that commercial insurance agents should be aware of. Some of these challenges include:

  1. Professional Liability Risks: Medical spas must ensure that their procedures are performed safely and effectively. Insurance agents should ensure that medical spas have appropriate professional liability coverage to protect against potential claims related to malpractice, negligence, or injury resulting from procedures.
  2. Compliance with Regulations: Medical spas must comply with a range of federal and state regulations related to medical procedures and licensure. Insurance agents should ensure that medical spas have appropriate coverage to protect against potential claims related to non-compliance with these regulations.
  3. Cybersecurity: Medical spas store sensitive data such as patient records, financial information, and confidential medical data. Insurance agents should ensure that medical spas have robust cybersecurity measures in place to protect against data breaches and cyber attacks.
  4. Employee Training and Retention: Medical spas rely on skilled and licensed professionals, such as nurses and estheticians, to provide their services. Insurance agents should work with medical spas to identify ways to attract and retain talented staff, such as offering competitive salaries, benefits, and professional development opportunities.
  5. Reputation Management: Medical spas rely on positive word-of-mouth and online reviews to attract new clients. Insurance agents should work with medical spas to develop strategies for managing their online reputation and mitigating the impact of negative reviews or feedback.

what specific insurance do they need?

Medical spas may require a range of insurance policies to protect against various risks. Some of the specific insurance policies that medical spas may need include:

  1. Professional Liability Insurance:  Also known as medical malpractice insurance, this coverage protects medical spas against claims related to malpractice, negligence, or injury resulting from procedures.
  2. General Liability Insurance: This coverage protects medical spas against claims of property damage or bodily injury caused by their operations.
  3. Cyber Liability Insurance: This type of insurance covers medical spas against the financial losses associated with data breaches, cyber attacks, and other cyber incidents.
  4. Property Insurance: This type of insurance protects medical spas against damage or loss to their buildings, equipment, and other property due to various risks such as fire, theft, or vandalism.
  5. Workers’ Compensation Insurance: This coverage protects medical spas and their employees in case of work-related injuries or illnesses.
  6. Business Interruption Insurance: This coverage provides financial support to medical spas in case of a disruption to their operations due to a covered event, such as a natural disaster or equipment failure.

The specific insurance policies that a medical spa may need will depend on its unique risks and circumstances. A commercial insurance agent can work with the medical spa to assess its needs and recommend the appropriate coverages. It is important for insurance agents to understand the nature of medical spa services, the risks associated with the industry, and the regulatory requirements that apply to medical spas to provide tailored insurance solutions.

advice for commercial agents approaching medical spas

If you are a commercial insurance agent approaching medical spas, it is important to understand the unique risks and challenges that these businesses face. Medical spas provide non-invasive cosmetic procedures to clients seeking to enhance their appearance, and they must ensure that their procedures are performed safely and effectively. Additionally, medical spas store sensitive data such as patient records, financial information, and confidential medical data, making them vulnerable to cyber threats. As an insurance agent, you can help medical spas mitigate these risks by recommending appropriate insurance policies and risk management strategies.

To effectively approach medical spas, it is essential to build a strong understanding of their operations, challenges, and goals. You can begin by researching the medical spa industry, reading industry publications and blogs, and attending professional conferences and events. Reach out to medical spa executives and staff and ask questions to better understand their needs, priorities, and concerns. You can also work with industry associations and regulatory bodies to gain insights into the insurance and risk management issues that matter most to medical spas.

When recommending insurance policies to medical spas, it is important to consider their unique needs, budget, and risk tolerance. Work with them to assess their specific risks and develop a comprehensive risk management plan that includes both insurance and non-insurance strategies. Be transparent about the coverage and pricing options available, and provide clear explanations of policy terms and conditions to ensure the medical spa fully understands the protection being offered. By taking a consultative approach and providing tailored insurance solutions, you can build long-lasting relationships with medical spas and help them protect their clients, staff, and operations.

Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

sourcing the best insurance for medical spas is essential for commercial agents


General Liability Insurance

General Liability insurance cover medical expenses and attorney fees which result from bodily injuries and property damage that your company or organization could be legally responsible for.

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

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Cyber liability insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

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Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

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we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for long term care facilities

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traditional insurance products

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    Insurance products at Westwood Insurance Group

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    If you have any questions on the different policies, check out our Insurance FAQ's

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.