- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
Botox Insurance Coverage
Tailored Coverage Solutions for Botox Professionals
Why do I need Botox Insurance?
Operating a Botox & Filler business carries countless risks. A mistake or miscommunication could lead to a lawsuit from a dissatisfied customer. There are many companies out there who offer business insurance policies, but several of these policies do not cover the specific services for Botox & Fillers. In fact, most explicitly exclude Botox & Filler services (especially if the business is in a state that allows this service to be offered without a Nursing/Doctor License, which we can cover). If your coverage is with one of those other companies and an issue arises from one of your procedures and your customer decides to sue you or your company, you would be left unprotected and forced you to pay the settlement out-of-pocket. These settlements could be high enough that they would cause your business to close its doors for good.
Why choose PPIB for your Botox Insurance Coverage?
Our Botox Insurance policies offer comprehensive coverage to fill the gaps left by other policies, ensuring you are fully protected. Our policies include essential Professional Liability and General Liability coverage to guard against potential lawsuits. We also provide customizable insurance options to protect all aspects of your operations, such as property coverage, cyber protection, sexual abuse, products liability, hired/non-owned auto, and more.
At PPIB, we don’t just offer customizable coverage; we tailor your policy to match the specific services you provide. If you only need coverage for Botox or fillers, your policy can be designed to cover just that. As your business grows and offers additional services, we can add them to your policy as needed.
Our commitment to excellence guarantees that medispa businesses receive unmatched support and security. Trust us to protect your artistry and professional aspirations with our industry-leading Botox Insurance.
What Services Can Be Covered Under Botox Insurance Coverage?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types of services, including:
Botox Parties
Dermal Fillers
IV Therapy
Vitamin / Supplements
Weight Loss Prescriptions
Hormone Therapy
Laser / IPL
Body Contouring
Additional Services We Can Cover
- PDO Threading
- Micro-coring
- Sclerotherapy
- Mesotherapy / Kybella
- Light/Energy Skin Rejuvenation
- Vaginal Rejuvenation
- Body Contouring
- Laser Hair Removal
- Laser Tattoo Removal
- Nutritional Counseling
- Mole Removal
- Infrared Therapy
- Hyperbaric Oxygen Chambers
- Fat Regeneration Treatments
- Fat Transfers
- Neograft / FUE Hair Transplants
- Tumescent Liposuction
- Colon Hydrotherapy
- Energy Wave Therapy
- Microneedling
- Massage
- Permanent Makeup
- Tattooing
- Body Piercing
- Permanent Jewelry
- UV Tanning & Spray Tanning
- Teaching
But wait, we can cover MORE!
Just because it’s not listed above doesn’t mean we don’t cover it. If you have a medical spa business with other operations we are able to consider it. Contact us to find out if it fits in our program.
Coverages For botox Insurance Coverage Offered Nationwide
- Up to $2,000,000/$3,000,000 Limits
- Property - including in transit
- Cyber Protection
- Hired / Non-Owned Auto
- Medical Director Coverage
- Professional Liability
- Communicable Disease
- HIPAA Defense
- Products Liability including Private Label Products
- Virtual Consults
- General Liability
- Sexual Abuse / Molestation
- Excess Liability
- License Action Protection
- Medical Assitant Coverage
Why Botox Insurance Coverage With PPIB?
- Knowledgeable claims handling and underwriting staff
- Customizable Coverage Options
- Online Portal Access
- Nationwide Reach
- Dedicated support to assist you every step of the way
Frequently Asked Questions
Botox insurance provides coverage for the unique risks and liabilities associated with Botox & Dermal Fillers injected into many parts of the human anatomy. Our policies include professional & general liability for the injection of Botox, Dysport, Xeomin, Jeuveau, Daxxify or any FDA similarly approved products including treatments for Hyperhidrosis, & treatments done in the Masseters, Decolletage, Trapezius and / or Platysmal Bands. Coverage also applies for Dermal Fillers done in the Face, Earlobes, Décolletage, Neck, Hands, Buttocks, Legs or Upper Arms.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable Botox & Filler policies to endure that your coverage aligns with your specific business needs.
Yes, they can be. If they are your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name then we can also include them. If they are working under a different business name then they will need to obtain their own coverage and name you as an additional insured.
If you are offering these services in a state that allows these services to be performed without a Doctor/Nursing License, we are able to cover anyone who can legally perform the service, provided that they have the proper training and are obeying all of the laws & regulations set by their state Board of Health.
The cost of Botox insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy. Here are some key factors that influence the cost of Botox insurance:
- Size and scope of business – The size of your business, whether you have a large spa with multiple types of operations or just a mobile business with 1 person doing Botox & Dermal Fillers can impact the insurance cost. Larger facilities that offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the spa. Also, for Botox & Dermal Filler services, pricing also factors in how many injectors are offering services.
- Types of additional services – Some services are more invasive than others which create more long-term problems if a claim were to arise. Therefore the type of services being performed may impact the insurance cost.
- Claims history – Insurance companies consider the claims/lawsuit history of your Botox & Filler business when determining the cost of coverage. If you have a history of claims/lawsuits, it may result in higher premiums.
- Safety measures and risk management practices – Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.
Definitely. The General Liability policy of the business you rent space from most likely covers only their operations and clients coming into their business. You are a separate entity since you rent a space from another business. General Liability provides peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone Botox & Filler insurance policy covering only the services you need.
Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.
Yes, Botox insurance policies typically have exclusions or limitation that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the service being provided. Some of the main Exclusions are:
- Injectable Products not purchased from an approved United States and/or Canadian wholesaler/retailer
- The use, administration or application of Botox to any person who has a neuromuscular disease
- The use, administration or application of Botox contrary to manufacturer’s guidelines
- Work on veins over 3.0 millimeters
- The use of any products known to be unsafe or banned by the FDA
- Any fat grafting procedure
- Off-Label Botox treatments other than the treatment of the glabella, brow / forehead, mouth / lip area, chin, under arms, bunny lines, crows-feet, the treatment of migraines, hyperhidrosis, masseters, décolletage, trapezius and platysmal bands
- The use, administration or application of any Dermal Filler in any area other than the following: face, décolletage, neck, hands, earlobes, tear troughs, buttocks, legs or upper arms.
- Use of more than 2 vials of Botox in the trapezius
- The use of more than 40 vials of Dermal Filler in the Buttocks per session; the use of more than 12 vials of Dermal Filler in the Legs per session; the use of more than 6 vials of Dermal Filler in the Upper Arms per session
- Injections into or in close proximity (1-1.5 cm) to the armpit region or lymph nodes
- Injections unto or within 1.5cm of salivary glands, lymph nodes, muscles in the neck
It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.
The use of consent and medical history forms are required for all Botox & Filler services.We can provide pre-approved consent forms if you do not have your own. If you wish to use forms you have created we will require you to provide copies to our office for review.
If you would like to use our pre-approved forms for convenience please click here to access our consent forms.
Please check with your state requirements as to what the statute of limitations are for your service. Statutes of limitations are usually a minimum of 2 years with some states going to 6 or more years.
Click the Apply now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.
- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage, division of Specialty Program Group LLC. Doing business in California as SPG Insurance Solutions License No. 0L09546.