We have found many Medical Spa’s, more commonly known as Medi-Spa’s, without proper insurance. Most buy their normal business insurance and think that their general liability insurance will cover their Spa adequately. General Liability for this type of business will cover the business entity, but will exclude coverage for anything relating to medical malpractice for a Medi-Spa. So, if a client has a burned face from a laser treatment, the Medi-Spa is not covered by general liability insurance.

The only way to cover the Medi-Spa for medical malpractice claims is to purchase Medi-Spa Medical Malpractice Insurance. This coverage can be structured to cover the techs or RN’s, the Medical Director for non-direct physician care, non-physician employees and the business entity. The policies normally exclude the MD, but they can be added under certain conditions. Also, if you have an MD who works for the Medi-Spa, in addition to ascertaining if they have their own medical malpractice insurance, ask for a certificate of insurance that specifically states they have coverage for Medi Spa procedures i.e., Laser, Botox, Fillers, et. al.

The above is a brief discussion of Medi-Spa Medical Malpractice Insurance. HCP is not a law firm and the above does not constitute an interpretation of insurance coverage. HCP National is a California Medi-Spa Medical Malpractice Insurance Company or Broker. HCP National is also a California Medical Malpractice Insurance Company or Broker. We specialize in all forms of medical malpractice, including OB/GYN medical malpractice, Surgeon medical malpractice, and Medical Group malpractice.