Medical Spa Malpractice Insurance

Protect Your Medi-Spa From Growing Liability Risks

Medical spas operate at the intersection of medicine and aesthetics—and that means increased liability exposure. Whether you offer Botox, dermal fillers, laser treatments, or IV therapy, a single claim can disrupt your business and damage your reputation. At Heffernan Insurance Brokers, we help Medi-Spa owners secure tailored malpractice coverage that aligns with your treatments, providers, and state regulations.

What Is Medical Spa Malpractice Insurance?

Medical spa malpractice insurance is a type of professional liability coverage designed for facilities that provide cosmetic medical procedures under the supervision of a licensed healthcare provider. This coverage protects against claims of negligence, bodily injury, or adverse outcomes resulting from services such as:

• Botox and injectable treatments
• Laser skin resurfacing
• Body contouring
• Chemical peels
• Microneedling
• IV hydration therapy
• Hormone therapy

Even with trained staff and informed consent, patients may file claims alleging improper technique, unsatisfactory results, or side effects. Malpractice insurance helps cover legal fees, settlements, and reputational harm.

Who Needs Medi-Spa Malpractice Insurance?

This coverage is essential for any facility offering aesthetic medical services, including:

• Standalone medical spas
• Cosmetic dermatology practices
• Plastic surgery centers
• Wellness clinics with licensed medical directors
• Physicians, NPs, PAs, or RNs administering aesthetic procedures

If you employ or contract with medical professionals, your business may be liable for their actions—even if they carry individual coverage. That makes business-level malpractice insurance critical.

What Does It Cover?

Medical spa malpractice insurance typically includes protection for:

• Medical negligence or injury claims
• Improper administration of injectables or devices
• Failure to obtain informed consent
• Allegations of unsanitary conditions
• Licensing or credentialing issues
• Legal defense and settlement costs

Optional coverages may include:

• General liability (slip-and-fall claims, property damage)
• Cyber liability (data breach involving patient records)
• Employment practices liability (claims of discrimination or harassment)

Regulatory defense (state board or licensing complaints)