- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
IV Therapy Insurance
Tailored Coverage Solutions for IV Therapy Professionals
Why do I need IV Therapy Insurance?
A frame on your wall displays the credentials proving your hard-earned expertise in IV Therapy. You’ve saved the start-up money to launch the next chapter of your life. You’ve registered your business and taken care of the necessary permits. You’ve purchased the equipment and materials for your first six months and captured your clients’ attention with a compelling, functional website. Each step up to this point has built on your previous efforts, so it’s critical that your decision to select the right insurance policy helps to safeguard the progress you’ve made. Operating an IV Therapy business carries countless risks. You’ve learned how to reduce the likelihood of collapsed veins, damage to blood vessels, bleeding from the site of insertion, inflammation of the veins, etc. One honest mistake or miscommunication could lead to a lawsuit from a dissatisfied customer. There is no shortage of companies offering business insurance policies, but several of these do not cover the specific service of IV Therapy. In fact, most explicitly exclude these services. So, if there’s an issue with one of your procedures and your customer decides to sue you or your company, you would be left unprotected, forcing you to pay the settlement out-of-pocket. These settlements can be high enough to cause your business to close the doors for good.
Why choose PPIB for your IV Therapy Insurance?
Our IV Therapy 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 IV Therapy, 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 permanent makeup artists and businesses receive unmatched support and security. Trust us to protect your artistry and professional aspirations with our industry-leading IV Therapy Insurance.
What Services Can Be Covered Under IV Therapy Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types of services, including:
IV Therapy
Botox Parties
Dermal Fillers
Vitamins / 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 IV Therapy 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 IV Therapy 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
IV Therapy insurance provides coverage for the unique risks and liabilities associated with IV Therapy. Our policies include professional & general liability for IV Therapy provided through Intravenous means of Saline, Vitamin A, B, C, D, E and K, Amino Acids, and / or Other Dietary Supplements and may include prescriptions for non-steroidal anti-inflammatory agents, acetaminophen and anti-nausea medication, with or without light.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable IV Therapy 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 IV Therapy 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 IV Therapy 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 IV Therapy 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 IV Therapy services, pricing also factors in how many technicians are providing hands-on IV Therapy 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 IV Therapy 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 IV Therapy 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, IV Therapy 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 limitations can vary depending on the service being provided. We are not able to cover Ketamine Therapy, certain Stem Cell injections or anything using Psilocybin.
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 IV Therapy 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.