Coverage built for aesthetic medicine
Every med spa is different — your insurance should be too. We place comprehensive coverage across all lines, tailored to the treatments you offer and the risks you actually face.
Every policy, purpose-built for aesthetic practices
General agents bundle generic coverage. We build programs around the specific risks med spas face — from laser burns to HIPAA breaches.
Professional Liability
Medical malpractice coverage for physicians, NPs, PAs, and nurse injectors. Occurrence or claims-made forms with tail coverage options.
- Injection & filler procedures
- Laser & energy-based devices
- Supervisory liability for medical directors
- Regulatory defense costs
Business Owner’s Policy
Property, general liability, and business income rolled into one. Covers your build-out, equipment, and slip-and-fall exposure at the practice.
- Leasehold improvements & tenant build-out
- Laser & device equipment schedules
- Products & completed operations
- Business interruption coverage
Cyber Liability
Med spas hold PHI, process payments, and run digital marketing — all attractive targets. Coverage for breaches, ransomware, and regulatory fines.
- HIPAA breach notification costs
- Ransomware & extortion
- PCI-DSS liability
- Digital media liability
Employment Practices
EPLI coverage for wrongful termination, harassment, and discrimination claims. Critical as you grow your clinical and front-desk team.
- Wrongful termination defense
- Harassment & discrimination
- Wage & hour disputes
- Third-party EPLI
Directors & Officers
Protects owners and board members from personal liability in management decisions, regulatory actions, and investor disputes.
- Management liability
- Regulatory investigations
- MSO/PC governance exposure
- Entity vs. personal coverage
Workers’ Compensation
State-mandated coverage for employee injuries on the job. We find competitive rates even for practices with clinical staff and needle exposure.
- Medical staff classifications
- Needlestick & sharps exposure
- Return-to-work programs
- Multi-state compliance
A generalist broker doesn’t understand your practice
Most agencies treat med spas like any other small business. They miss the regulatory nuance, the scope-of-practice questions, and the coverage gaps that matter when a claim hits. We don’t.
Aesthetic Medicine Exclusively
We only insure med spas and aesthetic practices. That focus means we know the carriers, the exclusions, and the real-world claims that surface in this space.
Surplus Lines Access
Many med spa risks get declined by standard carriers. Our surplus lines licenses in WA, OR, and ID give you access to markets that can write what others won’t.
Coverage Gap Analysis
We review what you already have — exclusions, sublimits, and endorsements — and show you what’s missing, before a claim finds it first.
Let’s review your coverage
Whether you’re opening a new practice or questioning what your current broker placed, we’ll walk through it with you — no obligation.
Not sure what you need yet? Start with our guide: What insurance does a med spa need?
Or start with your state: Washington, Oregon, or Idaho
Request a Coverage Review