Medical Spa Insurance Coverage Checklist
The coverages a medical spa business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for medical spas and aesthetic practices. Priorities reflect typical exposure; confirm against procedures offered and who performs them.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Medical Professional Liability (Entity) | Covers the practice for treatment injuries — salon and spa GL policies exclude injectables and lasers. | Core | |
| Individual Coverage for Each Injector | Covers each NP, PA, RN, and laser operator by name. | Core | |
| Medical Director Vicarious Liability | Confirms the director's malpractice covers supervising non-physician staff. | Core | |
| Commercial General Liability | Covers premises injuries such as slips and falls. | Core | |
| Products Liability | Covers retail skincare and supplements sold. | Prevalent | |
| Cyber Liability | Covers patient records and before-and-after photos. | Prevalent | |
| Regulatory / Billing Defense | Covers board and FDA investigation costs. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage that actually reaches medical procedures. General liability built for salons and spas excludes injectables and lasers, and the medical director's own malpractice may not cover supervising others. Product integrity is the other exposure: counterfeit Botox sickened patients in 11 states in 2024, and FDA supply-chain enforcement now reaches individual med spas. Buying only from authorized distributors and recording lot numbers for every patient is the core defense.
Send us the checklist and we'll review your medical spa coverage line by line, then market it across multiple carriers that compete for your account.
Related: Medical Spa Insurance · Medical Spa Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a medical spa business need?
The core coverages for a medical spa business are Medical Professional Liability (Entity), Individual Coverage for Each Injector, Medical Director Vicarious Liability, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my medical spa coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.