Short answer: A med spa needs medical professional liability written for procedures such as injectables and lasers, plus general liability, property with equipment breakdown for devices, workers’ comp and cyber coverage for patient data.

The details

Standard salon or day spa policies usually exclude medical procedures.

Supervision and provider scope are central underwriting questions.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: medical spa insurance · day spa vs. med spa.

More questions: How much salon insurance coverage do I need? · Is a business owners policy worth it for a salon? · Can I add my landlord as additional insured?.

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