Most aesthetics policies exclude it by name.
An IV drip is a medical procedure that sits outside most spa and esthetician policies, needs a named prescriber, and travels to the client. We write it properly.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What IV therapy business businesses actually need.
Medical malpractice / professional liability
Infusion injury, reaction, contamination and clinical decision-making.
Without it — Named as an excluded procedure on most esthetician and many spa policies.
Named prescriber coverage
The physician or nurse practitioner ordering the therapy, designated on the policy.
Without it — Work under an unnamed prescriber is excluded, whatever the agreement with them says.
General liability, including off-premises
Injury at your clinic and at homes, hotels, offices and events you treat in.
Without it — A fixed-location policy may simply not follow a mobile service to where it works.
Hired and non-owned auto
Staff driving their own cars between appointments.
Without it — The exposure that grows fastest as a mobile service scales, and the one least often bought.
Products liability
Compounded solutions, vitamins and anything sourced from a compounding pharmacy.
Without it — A contamination event reaches every client dosed from the affected batch.
Group health and benefits
Nurses, who can work almost anywhere and know it.
Without it — Nursing is a seller’s market. A benefits package is often the whole difference between keeping a nurse and rehiring one.
The claims we actually see.
Ordered by how often we see them, not by how dramatic they are. Each one names the coverage that answers it — and the policy people wrongly assume already does.
Most common
Infiltration, phlebitis or a reaction during infusion
Covered by Medical malpractice / professional liability
IV infusion therapy and vitamin injection appear by name on esthetician exclusion schedules. A spa policy will very often not answer this at all.
Common
A treatment given without a valid prescriber order
Covered by Nothing — supervision and named-insured exclusions
The prescribing physician or NP must be a named insured and the good-faith exam must satisfy your state. Both are exclusions before the clinical facts matter.
Common
A client is injured at their home or a hotel
Covered by General liability, on a mobile basis
A policy written for a fixed location may not follow you off premises, and mobile IV is the fastest-growing version of this business.
Less common, severe
A staff member crashes driving between appointments
Covered by Hired and non-owned auto
Mobile services run on personal vehicles, and personal auto policies exclude the business trip.
What our IV therapy business clients ask us.
Why do so many policies exclude IV therapy?
Because it is a medical procedure being performed in a wellness setting, and that is precisely the combination underwriters are most careful about. IV infusion therapy and vitamin injection appear by name on esthetician exclusion schedules, and plenty of spa programs carve them out too.
What gets denied that has nothing to do with the procedure?
Three things, and they are the ones almost nobody reads for. First, work performed by a physician, nurse practitioner or physician assistant who is not actually named on the policy. The medical director being real is not the same as the medical director being a named insured, and the exclusion is written on the name. Second, any warranty or guarantee of how well a treatment works, expressly or by implication, including one made through advertising or social media.
We are mobile. Does that change anything?
Two things, and both are commonly missed. Your general liability has to follow you off premises: a policy rated on a clinic address may not respond to an injury in a client’s living room, and the fix is a wording question rather than a price one. And your people are driving their own cars between appointments all day, which is a hired and non-owned auto exposure their personal policies exclude. Mobile IV businesses tend to buy the clinical coverage carefully and these two not at all, which is backwards: the road claim is the one most likely to exceed the limit.
How do I find out what my own policy excludes?
Look for an endorsement with "excluded procedures" or "cosmetic procedures exclusion" in the title, and read the list rather than the policy summary, because the declarations page will not tell you, and the certificate certainly will not. Every carrier writes a different schedule and the same carrier writes different schedules for different license types, so a colleague’s answer is not yours.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.