Understanding Insurance For Medical Spa Services And Non-Invasive Aesthetic Treatments

Many medical spas provide non-surgical aesthetic treatments designed to achieve the client’s desired changes in their physical appearance. However, it is possible that the client may not receive their desired result; in some cases, they can even have an adverse reaction to the treatment. As such, there are various risks to operating a medical spa that offers services like botox, fillers, and injectables. It is extremely important to hold comprehensive insurance coverage to protect your business from potential accidents, injuries, and other claims resulting from providing medical spa services. 

Insurance For Non-Invasive Medical Aesthetic Treatments

Medical spas should hold commercial general liability insurance, which includes coverage for third-party bodily injury, third-party property damage, product liability, personal injuries, and advertising injuries resulting from your business’ operations. Commercial general liability insurance is especially important for any business that operates on a physical premises, where unforeseen and unexpected accidents may occur.

While commercial general liability insurance provides coverage for common business risks, it is important for medical spas to also understand and hold professional liability insurance and cyber liability insurance

Medical Malpractice Insurance For Non-Surgical Aesthetic Treatments

Medical spas should hold professional liability insurance to insure their business from the risk of a client who claims that they have experienced suffering or bodily injury from receiving non-invasive medical treatments.

A chemical peel is a minimally invasive treatment that uses an exfoliating acid to remove the surface layer of dead skin cells, reducing the appearance of wrinkles and scars. Chemical peels involve directly applying a solution that removes the outermost layer of skin; the solution can cause burns if the product is left on the skin for too long, causing bodily injury to the client. A client who experiences a burn or allergic reaction to a chemical peel may be left with disfigurement or scarring; their recovery can incur significant medical expenses and loss of income, which you can be held liable for.

Despite your best efforts, you or one of your licensed and trained staff may perform a service that leads to a negative result. Botox is a FDA-approved aesthetic product that is injected by a licensed professional to temporarily reduce the appearance of facial wrinkles, which “may cause loss of strength or general muscle weakness, vision problems, or dizziness.” Some clients may experience allergic reactions to botox or any injectable used in an aesthetic treatment, where symptoms may include swelling, pain, itchiness, or breathing problems. 

Medical spas should hold medical malpractice insurance, a type of professional liability insurance that insures claims of medical negligence that result in legal expenses and medical damages.

Cyber Liability And Data Compliance For Medical Spas

Medical spas require consent from clients prior to performing services. Clients give consent if they wish by completing documentation forms, which request personal information from the client, including their medical history. Clinics that provide medical services must be compliant with the The Health Insurance Portability and Accountability Act (HIPAA), “a federal law that requires the creation of national standards to protect sensitive patient health information from being disclosed without the patient’s consent or knowledge.” Cyber liability insurance is an insurance policy that provides coverage in the event that your business suffers a data breach or cyber security problem. It is crucial for medical spas to insure themselves from cyber security risks, especially since they must communicate and supply information to the client’s primary care physician. Transferring of data, even through secure networks, is an activity that is susceptible to risk, which your business can be held liable for.

Due to the increasing popularity of non-surgical aesthetic treatments, medical spa businesses are poised for unprecedented growth and opportunities to expand. However, without the right form of insurance coverage, this can also make medical spas more exposed to risk. At SWAN Insurance, we are passionate about insuring businesses like yours so that you can grow with peace of mind.


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