Medispa Services Insurance

Overview

As a program administrator, Professional Program Insurance Brokerage (PPIB) places tailored insurance solutions for medispa facilities and aesthetic professionals. You can use this program to place single-location practices or multi-site operations that deliver elective aesthetic and wellness services. Coverage is structured to address the clinical and liability exposures common to medispas and allied health practices.

Ideal Accounts & Target Classes

This program targets licensed professionals and facilities that provide non-surgical aesthetic and wellness services. Typical fits include:

• Medical spas and aesthetic clinics
• Providers performing Botox, dermal fillers, and hormone therapy
• Wellness clinics offering IV therapy, weight-loss programs, or supplements
• Facilities using lasers, IPLs, radio frequency devices, and body contouring equipment
• Medical directors, physician oversight arrangements, and clinical support staff

Example fits: you might have a client who recently opened a medispa offering vitamin injections, laser hair removal, and body sculpting — or a physician expanding into non-invasive aesthetic services. Both are typical submissions for this program.

Coverage Highlights

PPIB's Medispa Services Insurance offers a suite of coverages that address the common exposures in aesthetic and wellness practices:

• Professional (medical) liability
• General liability
• Property coverage
• HIPAA defense and privacy breach response
• Communicable disease coverage
• Sexual abuse and molestation coverage
• License action defense coverage

Applicable Procedures and Services

The program covers a broad array of elective procedures and supportive services, including:

• Hormone therapy and prescription weight-loss programs (hCG, lipotropics)
• Injectables: Botox and dermal fillers
• Body contouring, fat transfer, lipolysis, and tumescent liposuction
• Lasers, IPLs, LEDs, and radio frequency treatments
• Medical peels, mesotherapy, and permanent cosmetics
• Vein treatments and sclerotherapy
• Medical directors and affiliated clinical staff

Underwriting & Submission Notes

PPIB's underwriting team focuses on niche allied-health risks. Submissions are evaluated for scope of services, clinician licensing and credentialing, written protocols, consent processes, training, and loss history. Provide a completed application, service descriptions, licensing details, and prior loss runs (if applicable) to expedite review.

Pricing reflects the mix of services, claim history, and size of operations; there is no published flat minimum premium. Underwriters may ask for risk-management documentation for higher-exposure procedures (e.g., full-time medical director oversight for surgical-level services).

Program Availability

This program is placed on a non-admitted basis in all available territories. Current availability includes: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC.

Why Work with PPIB on Medispa Business

With over 25 years of specialty program experience, Professional Program Insurance Brokerage provides agents and brokers with responsive underwriting, deep product knowledge, and access to tailored coverage not always available in standard markets. PPIB is positioned to handle complex allied-health placements and multi-location accounts.

Contact Professional Program Insurance Brokerage (PPIB) to discuss placement options for your next Medispa Services Insurance account.