Specialty Insurance for Aesthetic Medicine
Your med spa deserves coverage that actually understands it.
Most agents treat aesthetic practices like any other small business. We don't. Medica Risk builds coverage programs around the risks unique to med spas—from injectables liability to laser device coverage and regulatory compliance.
Coverage Snapshot
Typical med spa — 3 providers, Seattle WA
- Professional Liability
- Bound
- General Liability / BOP
- Bound
- Cyber Liability
- Gap Found
- EPLI
- Gap Found
- Equipment Breakdown
- Needs Review
What We Place
Full-spectrum coverage built for aesthetic practices
Medical Malpractice
Purpose-built professional liability for injectables, laser treatments, body contouring, and aesthetic procedures—not generic medical malpractice shoehorned to fit.
Business Owner's Policy
GL and property combined with endorsements for high-value laser equipment, product liability for retail skincare, and premises coverage calibrated to clinic operations.
Cyber & Compliance
HIPAA-aware cyber liability, regulatory defense, and data breach response coverage—because your patient records carry real exposure.
EPLI & D&O
Employment practices liability and directors & officers coverage tailored for multi-provider practices navigating hiring, supervision, and scope-of-practice issues.
Key Person & Buy-Sell
Life and disability income insurance structured around medical director dependency, partnership agreements, and practice continuity planning.
MSO / PC Structures
Navigating management services organization and professional corporation models? We build coverage programs that correctly wrap both entities—a gap most generalist agents miss entirely.
Find out what your current policy is missing.
A 15-minute call is all it takes to find out where you stand.