Botox Insurance for Agents & Brokers

Botox & Dermal Filler 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, 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 Botox & Filler 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 & Dermal Filler insurance:

1. 1. 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.
   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 your Botox & Filler business when determining the cost of coverage. If you have 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, Botox & Dermal Filler 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. 1. Injectable Products not purchased from an approved United States and/or Canadian wholesaler/retailer
   2. The use, administration or application of Botox to any person who has a neuromuscular disease
   3. The use, administration or application of Botox contrary to manufacturer’s guidelines
   4. Work on veins over 3.0 millimeters
   5. The use of any products known to be unsafe or banned by the FDA
   6. Any fat grafting procedure
   7. 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
   8. 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
   9. Use of more than 2 vials of Botox in the trapezius
   10. 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
   11. Injections into or in close proximity (1-1.5 cm) to the armpit region or lymph nodes
   12. 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

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.