Aesthetics/MediSpa Professional Liability Insurance

Ideal Accounts and Covered Procedures

This program is ideal for licensed healthcare providers and aesthetic businesses offering nonsurgical cosmetic treatments. Whether your client is a nurse practitioner opening a boutique aesthetics studio or a physician overseeing a multi-provider med spa, this program can meet their liability needs.

Coverage includes nearly 100 nonsurgical procedures, such as:

• Botox and neuromodulators
• Dermal fillers and collagen injections
• Laser hair removal and laser skin treatments
• Microdermabrasion and chemical peels
• Electrolysis and body piercing

Coverage Features and Benefits

• Professional Liability: Up to $1M per claim / $3M aggregate
• Legal Expenses: Covered in addition to policy limits
• License Protection: Up to $25,000 aggregate
• Defendant Expense Benefit: Up to $1,000 per day / $25,000 aggregate
• Deposition Representation: Up to $10,000 aggregate
• Personal Injury Protection: Up to $1M per claim / $3M aggregate
• Property Damage to Others: Up to $10,000 aggregate
• Assault Coverage (except TX): Up to $25,000 aggregate
• First Aid Benefit: Up to $10,000 aggregate
• Medical Payments: Up to $25,000 per person / $100,000 aggregate

Underwriting and Market Access

Affinity Healthcare offers access to both admitted and non-admitted markets, giving you flexibility based on your client’s location and needs. Underwriting considers factors such as provider licensure, scope of services, and claims history. Minimum premium begins at $2,500.

Territories Covered

This program is available in all 50 states and Washington, DC, including major markets like CA, TX, FL, NY, and IL. Whether your client operates in a large metropolitan area or a smaller community, you can confidently place their coverage through this nationwide offering.

Why Choose Affinity Healthcare

With deep knowledge of the healthcare and aesthetics sectors, Affinity Healthcare delivers tailored solutions for this rapidly growing market. Their partnership with NSO and select carriers ensures specialized coverage and responsive service. As an agent or broker, you’ll benefit from Affinity’s streamlined quoting process, competitive pricing, and access to markets that understand the nuances of aesthetics liability.

You might have a client expanding from traditional nursing into cosmetic injectables, or a dermatology practice offering laser procedures. This program is designed to support those transitions with robust protection and underwriting expertise.

Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.

All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.