- 1.415.475.4300
- info@ppibcorp.com
Professional Program Insurance Brokerage
Division of Specialty Program Group
Medispa Insurance
From Frown Lines to Fine Lines - We've Got You Covered
Why do I need Medispa Insurance?
Beauty makes the life worth living and Medispas are on always on the forefront keeping their clients beautiful, healthy, and thriving. While you take care of clients, let us take care of you! We provide peace of mind, so you can do your best work knowing that you are covered in the case of an unforeseen event. Accidents happen to the best of us, and sometimes even to your customers. We offer General Liability coverage to protect your business in the event that someone falls ill or sustains an injury on your premises. We have customizable liability and property coverages that can be tailored to fit the needs of any size business. As you grow, we can scale your policy to meet your needs. Protect yourself and your livelihood by purchasing Medispa Coverage with PPIB today!
Why choose PPIB for your medispa Insurance?
Our Medispa 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 Medispa Insurance.
What Services Can Be Covered Under Medispa Insurance?
Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types medispa services, including:
Laser / IPL
Weight Loss Prescriptions
Injectables
IV Therapy
Cryotherapy
Wellness Services
Aesthetics
Virtual Consults
Additional Services We Can Cover
- Botox
- Dermal Fillers
- Vitamin / Supplements
- PDO Threading
- Micro-coring
- Sclerotherapy
- Mesotherapy / Kybella
- Light/Energy Skin Rejuvenation
- Vaginal Rejuvenation
- Body Contouring
- Nutritional Counseling
- Biodentical Hormones
- 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
- Microblading
- 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 Medispa 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 Medispa 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
Medispa insurance provides coverage for the unique risks and liabilities associated with the medispa & beauty industry. Our policies include professional & general liability with additional optional coverages to customize coverage based on your business needs.
Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable medispa 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 Medispa 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 Medispa 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 Cryo Unit 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.
- Type 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 history of your cryotherapy business when determining the cost of coverage. If you have a history of claims, 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 provide peace of mind with coverage for incidents involving your clients.
If desired, we can offer you a stand-alone medispa 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, Medispa insurance policies typically have exclusions or limitations that outline specific situations or circumstances where coverage may not apply or may be limited. These exclusions and limitations can vary depending on the service being provided.
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 many medispa 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 for specific services.
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. Statues 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.