The moment a needle or a laser is involved, it stops being a beauty policy.
We cover day spas and medical spas: treatment injury, the abuse and molestation exposure of hands-on work, and the medical malpractice line that injectables and lasers cross.
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 spa businesses actually need.
Professional liability
Injury from a treatment: burns, reactions, nerve injury, scarring.
Without it — General liability answers a slip, not a treatment gone wrong.
Medical malpractice, for med spas
Injectables, lasers, chemical peels and anything performed under medical direction.
Without it — A beauty-trade policy typically excludes medical procedures outright.
Abuse and molestation
Allegations arising from massage and other hands-on treatment.
Without it — Excluded from general liability, and a real exposure in private-room work.
General liability and property
Premises injury, plus the equipment and the fit-out.
Without it — Wet areas, heat and treatment equipment in a public building.
Communicable disease
Infection claims following treatment, where the form allows it.
Without it — Commonly excluded, and worth checking rather than assuming.
Crime and social engineering
Retail stock and gift-card balances, and refunds released on a convincing phone call.
Without it — A gift-card balance released on a convincing phone call is not a burglary, so property coverage does not respond. It is the social engineering sublimit that does, and it is not automatic.
Group health and benefits
Therapists whose clients rebook with them by name.
Without it — Treatment work is personal, so a therapist leaving takes a booking list, not just a pair of hands.
Find the page for what you actually are.
Every one of these is written for that specific operation — the coverages it needs, the questions underwriters ask it, and what it usually gets wrong.
- Medical Spas
A med spa needs medical malpractice written for its injectables and energy devices, covering every injector and the medical director, plus general liability, property for the devices and workers comp, and the policy only holds if each injector is licensed and supervised the way your state requires and your procedures are not on the carrier’s excluded list.
- Estheticians
We cover estheticians whether you are employed, renting a booth or on your own. Read the excluded procedure schedule first: it decides whether the treatment you actually perform is insured.
- Laser Hair Removal & Energy Devices
Who is legally permitted to operate the device, and who it was delegated to, decides whether a burn or pigment claim gets paid. We cover laser hair removal and energy-device treatments.
- Permanent Makeup & Microblading
A face-visible result generates dissatisfaction claims that no other beauty treatment does. We cover permanent makeup and microblading for that, for infection and reaction, and for correction and removal costs.
- IV Therapy & Wellness Infusion
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.
What our spa clients ask us.
What makes a med spa different from a day spa?
The procedures and therefore the policy. Injectables, laser and energy-based devices, and medical-grade peels are medical procedures performed under a physician’s direction, and standard beauty-trade professional liability generally excludes them. A med spa needs medical malpractice coverage, with the supervising physician’s arrangement and each provider’s scope of practice documented. A day spa that quietly adds injectables without changing its insurance is uninsured for the most severe thing it does.
Why does abuse and molestation coverage come up?
Because massage and body treatment involve one-to-one contact with a partially clothed client in a private room, which is the fact pattern these allegations arise from. It is not a judgment about your therapists. An allegation alone costs a great deal to defend, and it is excluded from general liability. Insurers will ask about draping protocol, door policy, chaperone availability and how complaints are recorded.
Are our therapists covered by the spa’s policy?
Employees usually are; independent contractors and room renters usually are not. Where therapists rent space or work as contractors they should hold their own professional liability and name the spa as an additional insured, and you should collect the certificates annually. The same arrangement affects your workers comp audit if the relationship looks like employment in practice.
Also in this family
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.