- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
Laser Hair Removal Insurance
Tailored Coverage Solutions for Laser Professionals
Why do I need Laser Hair Removal Insurance?
Running a laser hair removal business involves significant risks. These risks consist of laser burns, infection, hyperpigmentation or hypopigmentation, equipment malfunctions, etc. Even a single mistake or miscommunication can result in a lawsuit from an unhappy client. While many companies offer business insurance, most policies do not specifically cover laser services and often explicitly exclude them. If your insurance is with one of these providers and a client sues due to a problem with a procedure, you could be left unprotected and have to cover the settlement out-of-pocket. Such costs can be substantial enough to potentially shut down your business permanently.
Why choose PPIB for your Laser Hair Removal Insurance?
Our Laser Hair Removal 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 laser hair removal, 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 Laser Hair Removal Insurance.
What Services Can Be Covered Under Laser Hair Removal Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types laser and medispa services, including:
Hair Removal
Tattoo Removal
Brown / Age Spots
Body Contouring
Scar Revision
Energy Needling
Permanent Makeup
Tattoo
Additional Services We Can Cover
- Botox
- Dermal Fillers
- Vitamin / Supplements
- PDO Threading
- IV Therapy
- Micro-coring
- Sclerotherapy
- Mesotherapy / Kybella
- Vaginal Rejuvenation
- Weight Loss Prescriptions
- Cryotherapy
- Cool Sculpting
- Wellness Services
- Biodentical Hormones
- Mole Removal
- Hyperbaric Oxygen Chambers
- Fat Regeneration Treatments
- Fat Transfers
- Neograft / FUE Hair Transplants
- Tumescent Liposuction
- Energy Wave Therapy
- Microneedling
- Massage
- Colon Hydrotherapy
- Microblading
- Infrared Therapy
- 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 Laser Hair Removal Insurance 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
- General Liability
- Sexual Abuse / Molestation
- Excess Liability
- License Action Protection
- Medical Assistant Coverage
Why Laser Hair Removal Insurance 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
Laser hair removal insurance provides coverage for the unique risks and liabilities associated with all types of non-invasive Laser & IPL Devices along with RF Microneedling Devices, CO2 Lasers & other types of Body Contouring (even Coolsculpting!). Our policies include professional & general liability for many services using these devices, such as hair removal, tattoo removal, vein treatments, skin rejuvenation, body contouring, cosmetic acne/scar treatment, pain therapy, energy wave therapy for erectile disfunction, intra oral services and vaginal rejuvenation.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable laser 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.
The cost of Laser Hair Removal 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 Laser & IPL insurance:
- Size and scope of business – The size of your business, whether you have a large spa with multiple types of operations or just 1 small suite with a 1 person operating the device 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 Laser & IPL services, pricing also factors in how many operators use the device.
- 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 Laser & IPL 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 Laser Hair Removal 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, Laser Hair Removal 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:
- Work on any raised tissue with its own blood supply, except for veins and/or cherry hemangiomas (no more than 3.0mm in diameter)
- Work on skin that is ulcerated, broken, not intact, blistered or has open sores.
- Eye area work unless an eye shield is used.
- Failure to use goggles on non-eye work
- Use of EMLA with Laser/IPL hair removal work (EMLA is OK for other procedures, just not in conjunction with Laser/IPL hair removal).
- Coverage for Skin Types V & VI requires six months of experience and may only be done using FDA approved Light/Energy devices for those Skin Types.
- Any laser or IPL work being done by someone who does not have 30 hours of Laser / IPL-specific training or one year of Laser / IPL-specific experience.
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 aftercare forms are required for all Laser & IPL services. Consent forms for Laser/IPL must include the following:
- State that Hyper- or Hypo- Pigmentation is possible
- State that the treated area could take 3-6 months to heal
- State that a burn is possible
- State that compliance with recommended aftercare guidelines are crucial for healing, prevention of scarring and hyperpigmentation.
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. Statutes of limitations are usually a minimum of 2 years with some states going to 6 or more years if the services were administered to a minor.
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.