Laser Hair Removal Insurance for Agents & Brokers

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, they can be. If they are employees of the insured, they should have them covered under their policy. If they are independent contractors who are working under your client’s 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 your client 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 insurance:

1. Size and scope of business – The size of the business, whether it’s 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 technicians use the device.
2. 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.
3. Claims history – Insurance companies consider the claims/lawsuit history of the Laser & IPL business when determining the cost of coverage. If the insured has a history of claims/lawsuits, it may result in higher premiums.
4. 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.

Yes, Laser 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:

1. Work on any raised tissue with its own blood supply, except for veins and/or cherry hemangiomas (no more than 3.0mm in diameter)
2. Work on skin that is ulcerated, broken, not intact, blistered or has open sores.
3. Eye area work unless an eye shield is used.
4. Failure to use goggles on non-eye work
5. Use of EMLA with Laser/IPL hair removal work (EMLA is OK for other procedures, just not in conjunction with Laser/IPL hair removal).
6. 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.
7. 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.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord application and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Medispa application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, signed & dated Broker Agreement and W9. Please click here to access our  Broker Agreement. 

No, we can offer you a quote without you being officially appointed, but we will need to have your appointed in order to bind.

A list of the binding requirements will be proved on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage.

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines Licenses may be able to file taxes.