Built by someone who understands your practice
Medica Risk is a specialty insurance agency focused exclusively on medical spas and aesthetic medicine. We exist because this industry deserves a broker who speaks its language.
Why aesthetic medicine — and only aesthetic medicine
Most insurance agents treat med spas like any other small business. They quote a generic BOP, add a malpractice policy, and call it a day. But aesthetic medicine has unique exposures — supervisory liability for medical directors, device-specific risks, MSO/PC governance questions, regulatory gray areas — that generalist brokers simply miss.
Medica Risk was founded to close that gap. By focusing exclusively on this niche, we build real expertise in the coverage questions that matter to your practice, maintain deep carrier relationships with markets that understand aesthetic medicine, and provide advisory-level service that goes far beyond transactional quoting.
“You can’t fix a gap you don’t know you have. Finding them before a claim does is our job.”
Jeff Rogers
Founder & Broker, Medica Risk
Jeff founded Medica Risk to give medical spas and aesthetic practices something they couldn’t get from a generalist agent — a broker who actually understands the business. He works directly with every client, from initial coverage assessment through claims, and holds property & casualty and surplus lines licenses across Washington, Oregon, and Idaho.
Principles that shape how we work
Depth Over Breadth
We don’t insure restaurants, contractors, or retail shops. Every hour goes into understanding aesthetic medicine better — the treatments, the regulations, the business models, and the risks that emerge from each.
Teach, Don’t Sell
Our approach starts with education. We show you what risks you actually face, where your current program falls short, and what coverage makes sense for your specific practice — before we ever quote a policy.
Transparency Always
No hidden fees, no unnecessary coverage upsells, no carrier placements that serve our commission over your protection. You’ll understand every line of your program and why it’s there.
Licensed and equipped to serve you
Properly credentialed across multiple states and insurance lines to place coverage wherever your practice operates.
Property & Casualty Licensed
Full P&C producer licenses to place commercial coverage across all standard lines.
Multi-State Coverage
Licensed in Washington, Oregon, and Idaho — with expansion underway to serve practices throughout the West.
Surplus Lines Licensed
Access to non-admitted markets for hard-to-place risks that standard carriers won’t touch — critical for many aesthetic practices.
How we build your coverage program
We don’t start with a quote form. We start with understanding your practice — then design coverage around what we find.
Practice Assessment
We learn your services, provider structure, patient volume, revenue mix, and growth plans. The details matter — a practice doing mostly injectables has different exposures than one running three laser platforms.
Coverage Gap Analysis
If you’re currently insured, we review every policy you have. We’ll identify exclusions, sublimits, and gaps specific to aesthetic medicine that your current broker may have overlooked.
Market & Placement
We go to market with carriers and wholesalers who understand aesthetic medicine. You get options, side-by-side comparisons, and our recommendation — with full transparency on pricing and coverage differences.
Ongoing Advisory
Coverage isn’t a one-time transaction. As your practice evolves — new providers, new devices, new locations — we adjust your program proactively so you’re never caught without protection.
Let’s talk
Whether you’re opening your doors or you’ve been in practice for years, a conversation costs nothing and might uncover something important.