Medical spas and anti-aging facilities are staffed by experienced clinicians and cosmetic specialists, but even the most skilled providers face professional and general liability exposures. Capitol Special Risks offers a tailored Medical Spa Professional and General Liability Insurance program that combines professional liability protections with full general liability for day-to-day operations—giving agents a single solution to place a broad range of med spa risks.
Coverage Highlights for Medical Spas
- Coverage for Medical Directors for administrative duties
- Incident-sensitive trigger to support timely claims reporting
- Multi-year Extended Reporting Period (ERP) availability
- Personal property damage coverage with no deductible
- Expanded definition of insured — includes certain independent contractors, former employees, medical students, and volunteers
- First-dollar defense available
- Defense costs outside policy limits
- Coverage for sexual abuse and data breach exposures
- Weight loss endorsement available
- Full general liability protection included
- Tattoo removal coverage when performed by a licensed MD
Eligible Treatments and Services
This program is designed to cover the typical services medical spas and anti-aging clinics provide, including but not limited to:
- Botox / Dysport injections
- Chemical peels
- Cosmetology services
- Dermal filler injections
- Facials and skincare treatments
- HCG therapy for weight loss
- Hormone therapy for anti-aging
- Intense Pulsed Light (IPL) therapy
- Laser hair removal and skin rejuvenation
- Laser tattoo removal (when performed by a licensed MD)
- Laser vein therapy
- Massage therapy
- Mesotherapy / Lipodissolve
- Microdermabrasion
- Permanent make-up
- Prescription weight loss programs
- Sclerotherapy injections
- Ultrasound or radio frequency cellulite reduction
- Vitamin injections
Ideal Clients and Appetite
This program is built for agents placing medical spas, wellness centers, and anti-aging clinics that combine cosmetic services with medically supervised procedures. Capitol Special Risks is a good fit when your client operates under a medical director or when you need broader insured definitions to include contractors and trainees.
Example accounts you might place here:
- A full-service med spa offering laser hair removal, dermal fillers, and IPL under a licensed medical director.
- An anti-aging clinic that provides hormone replacement and prescription weight loss programs with physician oversight.
Program Details and Underwriting Considerations
This is a non-admitted program placed through multiple carrier markets, which gives Capitol Special Risks flexibility to tailor terms and limits to the account’s risk profile. Minimum premiums vary by size, services offered, and loss history—contact Capitol Special Risks for specific quoting guidance. First-dollar defense and defense outside the limits are available to strengthen protection where appropriate.
Available Nationwide
Capitol Special Risks places this Medical Spa Liability program nationwide, including all 50 states and DC. Whether your client is in a large medical market or a smaller state, the program can often provide a solution.
Why Partner with Capitol Special Risks
As a wholesale broker with access to multiple specialty carriers, Capitol Special Risks delivers competitive options and efficient service without charging a broker fee. Our underwriters have deep experience with healthcare-adjacent and cosmetic exposures, so we can structure coverage for both common services and higher-risk procedures. Agents benefit from responsive turnaround, flexible non-admitted placements, and program endorsements designed for the med spa sector.
No matter the size or scope of the medical spa client, Capitol Special Risks can help you find appropriate professional and general liability solutions. Contact us to begin the quote process or to discuss complex or physician-led operations.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program suits medical spas, wellness centers, and anti-aging clinics that offer cosmetic and medically supervised treatments—especially those operating with a medical director or physician oversight.
Can independent contractors or volunteers be covered under this policy?
Yes. The policy’s definition of insured is expanded to include certain independent contractors, former employees, medical students, and volunteers, subject to underwriting approval and eligibility rules.
Is this program available in all states?
Yes. Capitol Special Risks offers this program nationwide, including all 50 states and DC.
What is the minimum premium for coverage?
Minimum premiums vary by state, services offered, and the account’s risk profile. Contact Capitol Special Risks for a quote tailored to the account.
Does the policy include coverage for data breaches or cyber incidents?
Yes. The program includes coverage options for data breach exposures; specific cyber limits and features depend on the carrier and placement.
Need help placing an account? Connect with a market specialist.