Frequently Asked Medical Liability Insurance Questions


At Liability Insurance Solutions, we understand that you have questions about medical liability insurance and want quick and easy access to the answers.

Below you will find some general, frequently asked questions, as well as many more specific answers addressing the ever growing field of med spas and anti-aging clinics, our specialties.

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Q:
I've had difficulty getting medical liability insurance in the standard market. Can you help me?
A:
Yes. We not only have access to standard liability insurance carriers, but also non-standard (surplus) markets. Most standard carriers will not cover such procedures as HCG medical weight loss, prolotherapy, chelation therapy and BHRT. If you already have a standard practice, our policies would cover your cash-based income separately — but only if we're unable to insure these procedures under your existing coverage. We will always work with you to customize your policy based on what you need.
Q:
Why should I use Liability Insurance Solutions over another agency?
A:
We specialize in this area of medical liability and have done so for over 15 years. We have the experience and expertise from covering hundreds of med spas to effectively protect your practice.
Q:
Aren't the insurance requirements for a "day spa" the same as those for a "med spa"?
A:
No. Because med spas incorporate procedures and services that most states consider a "practice of medicine," a qualified physician must be involved with a med spa. Professional liability insurance must cover the med spa itself, the clinicians performing the procedures and the physician in his/her role.
Q:
I'm a physician who is interested in the medical spa and anti-aging area. Does the physician associated with the med spa need to be a plastic surgeon or dermatologist?
A:
No. However, the physician must be qualified to supervise those performing the procedures and must demonstrate specialized training, like injectable training for Botox®.
Q:
I already have existing malpractice insurance from my current practice. Can't I request a rider from my current insurance carrier to cover my med spa-related work?
A:
No, as most insurers do not offer these types of riders. It is essential to secure malpractice insurance to cover the work you will do as part of a medical spa, anti-aging clinic or alternative medical practice. We specialize in securing malpractice insurance for physicians who are entering, or currently work in, this dynamic and growing segment of the healthcare field.
Q:
If I purchase medical professional liability insurance, who and what will it cover?
A:
Your medical professional liability insurance will cover your med spa or anti-aging clinic, its medical director/physicians and those staff members who perform/assist the procedures, such as PAs, NPs, RNs, estheticians, etc.
Q:
What are the required medical liability limits?
A:
For medical malpractice (professional liability) coverage, the typical liability limits are $1,000,000 per occurrence and $3,000,000 in aggregate. This will vary, however, depending on the insurance carrier and the state in which the spa operates.
Q:
In addition to professional liability, what other med spa-related insurance products or services do you offer?
A:
Our additional insurance coverages include: commercial general liability, employment practices liability, defense of medical license and disability income insurance. We also offer med spa consulting services through our partner, Medi Spa Consulting. You can read more about our other med spa insurance products and services here.
Q:
I'd like to obtain medical liability insurance for my med spa services. How do I secure it and how long is the process?
A:
We can procure coverage for you from a number of A-rated insurance companies using our proprietary "short form" application for quick annual premium indications. Then we may need a medical facility/clinics application and a physicians/surgeons application, along with a copy of the physician's résumé/CV. (You can download our short form medical liability insurance application here.)

Please allow 2–3 weeks from the time the application is returned to us. If you need your coverage expedited, call us today at 312.854.7030!
Q:
Is it true that payment for professional liability insurance is required in advance?
A:
Yes. However, we have financing options available. Terms are 25% down, with 9 equal, subsequent payments.
Q:
Can you provide coverage in all 50 states?
A:
Yes. In most cases, we can secure your professional medical liability insurance directly. If not, we will help you through one of our partners.
Q:
Can I add additional med spa or anti-aging clinic locations onto an existing policy?
A:
Yes, and an additional premium may be required.

If you still have questions that haven't been answered, please contact us today:
312.854.7030