Plastic Surgery & Cosmetic Surgery Center Insurance Coverage Checklist
The coverages a plastic surgery & cosmetic surgery center 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 plastic surgery practices and cosmetic surgery centers. Priorities reflect typical exposure for this class; confirm against your actual procedures and facilities.
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 | Covers each surgeon and provider — confirm every procedure you perform, including BBL, is covered. | Core | |
| Entity Professional Liability | Covers the practice or surgery center itself, with its own limits. | Core | |
| General Liability | Covers premises injuries to patients and visitors. | Core | |
| Commercial Property | Covers the surgical suite, equipment, and drugs. | Core | |
| Workers' Compensation | Covers surgical staff, including needlesticks. | Core | |
| Cyber / Privacy Liability | Covers patient records and before-and-after photos. | Prevalent | |
| Regulatory / Board Defense | Covers legal costs of medical board and health department actions. | Prevalent | |
| Employment Practices Liability | Covers claims from surgical and front-office staff. | Prevalent | |
| Directors & Officers Liability | Covers owners and investors in multi-owner or MSO structures. | Situational | |
| Media / Advertising Liability | Covers claims over social media and influencer marketing. | Situational |
The coverage gap most often missed
The gap most often missed by cosmetic surgery practices is limits that do not match the procedures. BBL and large-volume liposuction carry the highest death risk in cosmetic surgery, and Florida now sets minimum malpractice limits for offices that do them. Some policies exclude or sublimit specific procedures, share one limit between surgeon and entity, or leave staff uncovered. Confirm every procedure is covered, that the entity has separate limits, and that tail coverage is in place when surgeons leave.
Send us the checklist and we'll review your plastic surgery & cosmetic surgery center coverage line by line, then market it across multiple carriers that compete for your account.
Related: Plastic Surgery & Cosmetic Surgery Center Insurance · Plastic Surgery & Cosmetic Surgery Center Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a plastic surgery & cosmetic surgery center business need?
The core coverages for a plastic surgery & cosmetic surgery center business are Medical Professional Liability, Entity Professional Liability, General Liability, Commercial Property, Workers' Compensation. 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 plastic surgery & cosmetic surgery center 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.