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AP Advantage has the expertise and understanding for the Medical Spas industry that your client needs. We understand that this industry is complex and can be difficult to obtain, which is why we have partnered with multiple carriers to provide the Professional Liability your Medical Spa clients need. Our Medical Spa carriers are open to a broad market of target classes such as; cosmetic spa, aesthetic spa, wellness/preventive spas, alternative spas and, large massage franchise which have multiple locations. In addition to the wide range of target classes we work with, our program also covers the types of treatments your clients provide in their facilities. Covered Procedures: • Non-Surgical Cosmetic • Aesthetic Skin Care • Dermal Fillers • Botox • Colonics • Wart, Mole and Skin Tag Removal • Esthetician Services • Body Waxing • Electrolysis • Facials • Hair Transplants • Laser Skin treatment • Laser Hair Removal • Massage Therapy • Permanent Makeup • Micropigmentation • Microdermabrasion Please note that we can also provide non-surgical weight loss management and administration of hormone therapy. Coverages Include: • Dedicated Limit of defense • Punitive Damages • Subpoena Defense • Disciplinary Proceedings Defense • Office Premises Patient Property Damage • Reputational Risk • Sexual Abuse • Molestation Sublimits • First Dollar Defense • Cyber Sublimits • Media, Data Security and Privacy Coverage • Professional Liability • General Liability Combined Policy • Defense Outside • Extension of Coverage to Medical Doctors for Direct Patient Care Our Medical Spas carriers can provide your client with multiple limit options and deductions and also extends coverage to medical directors for administrative duties that are incident sensitive. For more information on our Medical Spa carriers please give send us a submission, inquiry or give us a call to get in touch with one of our experts.

Specialized Coverage for MediSpas from Preferred Concepts LLC Preferred Concepts LLC, in partnership with Mercator Risk Services, provides tailored medical professional liability solutions for MediSpas and other hard-to-place medical accounts. MediSpas—also called medical spas—combine traditional spa services with medical procedures, creating unique liability exposures that require specialty coverage. This program gives agents and brokers a market for clients operating at the intersection of wellness and medical care. Ideal Accounts and Appetite The program accommodates a wide range of MediSpa operations, from minimally invasive service providers to full-service clinics that deliver both aesthetic and diagnostic care. Typical acceptable account types include: MediSpas affiliated with plastic surgery or dermatology groups Laser clinics offering electrolysis, laser hair removal, and permanent cosmetics Weight management practices and licensed nutritional consultants Medical fitness centers and physiological wellness facilities Genetic testing labs and specialty diagnostic providers working alongside wellness teams The program can also provide coverage for affiliated professionals, independent consultants, and certain manufacturers or suppliers connected to the MediSpa operation. Coverage Highlights and Advantages MediSpas face exposures beyond traditional spa risks because they often provide invasive or medical-grade procedures and diagnostic services. This program is designed to address those blended exposures with customized medical professional liability solutions, including options for complex, high-exposure, or distressed risks. Coverage can be structured for both practice-level and practitioner-level needs depending on the account. Mercator Risk Services can underwrite from your existing application (excluding renewals) or supply a specialized application to streamline submissions and speed placement decisions. Underwriting Notes and Minimum Premiums Mercator Risk Services is experienced handling hard-to-place accounts, including risks with prior claims, disciplinary history, or financial stress. While there is no specific minimum premium posted, submissions are evaluated on a case-by-case basis according to the services performed, claims history, staffing, and risk controls in place. Territories and Availability This MediSpa program is available on a non-admitted basis across all 50 states and Washington, DC, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With Preferred Concepts LLC? Preferred Concepts LLC offers agents access to Mercator Risk Services, a wholesale broker with deep experience placing medical malpractice and specialty healthcare risks. Their strengths include a flexible underwriting approach, access to multiple carriers for non-admitted placement, and the ability to underwrite unusual or distressed accounts. That combination makes this program a practical option when admitted carriers are limited or when a tailored solution is required. Example scenarios that fit well: You have a plastic-surgery-affiliated MediSpa offering injectables and laser resurfacing that needs tailored medical professional liability and higher limits than standard spa markets provide. You represent a laser clinic with a prior claim and mixed medical/aesthetic services that other markets have declined — Mercator's appetite for hard-to-place risks may help secure coverage. To learn more or submit a risk, contact the team at (860) 527-9717 or email [email protected]. Additional resources and application forms are available at www.mercatorpro.com. Frequently Asked Questions What types of accounts are a good fit for this MediSpa program?Ideal accounts include MediSpas tied to plastic surgery or dermatology practices, laser and permanent cosmetics clinics, weight-management and nutrition practices, physiological wellness centers, and genetic testing labs that provide diagnostic services alongside wellness care. Can this program handle clients with prior claims or financial difficulties?Yes. Mercator Risk Services specializes in hard-to-place and distressed accounts and can often offer solutions where standard markets are unavailable. Is there a specific application required to submit a risk?You may submit using your own application (not renewals), or request Mercator’s specialized application to streamline the underwriting review. Is this coverage admitted or non-admitted?The program is written on a non-admitted basis through various carriers, which allows more flexibility in underwriting and policy structure. In which states is this program available?This MediSpa program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.