Medical Spa Insurance 

We Offer Nationwide Medical Spa Insurance Programs

Medical spa insurance - aesthetic insurance and cosmetic insurance for professionals - demands a market-paced insurance agency. AAG Insurance has been in the vanguard, providing coverage for an ever-expanding portfolio of cosmetic and wellness services. We bring our risk management background to our partnership with your medical spa, clinic, or surgery center, analyzing each and every one of your procedures and services to make sure your coverage is appropriate and complete. That's an absolute necessity, given current limitations on medical malpractice policies.

Count on us as a knowledge base of state-specific policy and regulation, no matter where you are located. Our program recognizes and responds to the higher standards for licensed physicians and surgeons, even those contracting as a clinic's medical director, a role often not covered by medical malpractice insurance. In addition, our "Direct Patient Care" covers a licensed physician or surgeon who performs procedures in a clinic.

AAG's Medical Spa Insurance, Aesthetic Insurance, Surgery Center Insurance, and Cosmetic Insurance programs are site, procedure, and staff-specific. But our omnibus protection needs to provide peace of mind to owners, too. That's where our status as an independent insurance agency and brokerage makes a major difference. We are your advocate for the best possible price, as well as the best possible insurance.

Contact Us for your Medical Spa Insurance needs!

For more information, please contact:

Jason Kunz

Director of AAG's Medical Spa Insurance Division

Covered treatments include but are not limited to:

At AAG Insurance we have protected the medical spa and surgery centers for over 10 years! We pride ourselves on customizing coverage and programs to meet your clinics specific needs. Complete the Medical Spa Insurance applications above and let the professionals at AAG Insurance forge a shield of protection over you.

Medical Spa Insurance Resources:

• Applications
• Frequently Asked Questions (FAQ)
• Links

Glossary of Medical Spa Terms:

What is Laser Hair Removal?

Quite simply, laser hair removal is a nonsurgical cosmetic procedure that eliminates superfluous body and facial hair. Typically, several treatment sessions are required for adequate removal. Often the best candidate for laser hair removal is an individual who has practical expectations and is interested in removing the unwanted hair from their body’s surface. If your practice uses state of the art laser hair removal procedures, then you truly should make sure your clinic or aesthetic clinic has proper medical spa insurance. Our insurance medical spa programs are nationwide offer a wide array of coverage’s.

What are the limitations to what laser hair removal can achieve? Fact is that some patients could fail to respond well to the procedure. This goes for individuals with darker pigmentation, as well as those with gray, white or blonde hair colors/tones. As mentioned earlier, patients must also understand that multiple sessions are typically required. Luckily, laser hair removal insurance can be added to your list of medical spa insurance coverage’s. Laser hair procedures are generally not a painful procedures, but you will feel the pain if your medical spa insurance does not cover your clinic fully.

What is Microdermabrasion?

Microdermabrasion is a nonsurgical aesthetic process used to treat skin on the facial area that has been sun damaged or aged. If your medical spa clinic insurance program does not cover Microdermabrasion, then you need to consider the risk. Although microdermabrasion can give the skin a fresh, healthy appearance by minimizing acne scars, age spots, and blemishes risks or complications can occur, although they are rare. It could result in bleeding, infection, hyperpigmentation and perforation. In today’s litigious society, one needs to constantly be aware if their medical spa insurance covers microdermabrasion mishaps.

What is Intense Pulse Light?

Intense Pulse Light is a skin treatment that goes by several other aliases, including Light Laser, computer controlled light therapy, and photo laser. In layman’s terms, IPL uses broad-spectrum light that filters out unwanted wavelengths as a way of rectifying a number of undesirable skin conditions and abnormalities. IPL can reduce or even remove age spots, liver spots, wrinkles, freckles, tattoos, facial flushing, hemangiomas, minor sun damage, port wine stains, broken capillaries, and telangiectasias. If your aesthetic clinic conducts IPL procedures, then you should have one of the experts at AAG Insurance study your medical spa insurance policy today. We know the questions to ask that can save you money and make sure you understand the details of your medical spa insurance policy.

What are Chemical Peels?

Chemical Peels are an aesthetic procedure in which a chemical solution is stretched over face and body skin, in order to rejuvenate it by removing the exterior layers. The process is primarily cosmetic, but there are some medical conditions in the world which potentially require a chemical peel as treatment. Medical Spa Insurance coverage’s differs by policy, and it is important to understand your medical spa’s insurance policy before your aesthetic clinic or practice decides to offer the procedure.

What is Vela Smooth?

What is Laser Tattoo Removal?

Tattoo removal is becoming more common place in our society. Tattoos were not long ago considered permanent. Now a days, it is possible to remove them with an array of treatments, including use of lasers. Unfortunately, the expense and pain of removing tattoos is greater than the expense and pain of applying them. Fact -- some jurisdictions often are willing to cover the expenses of voluntary removal of gang tattoos. Make sure your medical spa insurance or aesthetic clinic has adequate coverage limits that will cover your business in case of malpractice, employee error, or negligence. Laser removal of tattoos can be complicated depending on the substance of the pigmenting material. Did you know that in one reported instance, the use of a laser resulted in the ignition of embedded particles of firework debris?

What is Botox?

Botox is the brand name of a toxin produced by the bacterium Clostridium botulinum. In large amounts, this toxin can cause botulism, which is commonly associated with food poisoning. When using such a potentially dangerous substance you need to make sure your medical spa insurance limits are high enough to protect your business in case the worst occurs.

Despite the fact that it paralysis is considered by the medical community as one of the most serious complications, scientists have discovered a means to use it to human advantage. In small amounts it can be quite effective at causing controlled weakening of the muscles, reduces muscle movement, while simultaneously decreasing wrinkles. Again, please make sure your medical spa clinic insurance limits are properly set. Consult an AAG medical spa insurance professional today!

What is Collagen?

Simply put, collagen is a naturally occurring protein in the human body. It makes up 1/4 of the protein inside people. When healthy, collagen degradation is an extremely slow process that occurs while the human body in a controlled state. When the human body is exposed to adverse conditions, including cancer and arthritis, collagen degradation speeds up. It is commonly used in lip Injections, or lip augmentations, which increases the size of your lips. It is also commonly used to combat forehead wrinkles and nasolabial folds. If your medical spa clinic conducts collagen lip injections, then you need to thoroughly understand your medical spa insurance policy. Call the professionals at AAG Insurance for a free medical spa insurance risk evaluation today!

What is Permanent Makup?

Permanent makeup is a cosmetic procedure that uses tattoos to create permanent pigmentation of the dermis. This results in producing designs that resemble makeup, such as eye lining, artificial eyebrows, and other permanent enhancing colors to the skin of the face, lips, and eyelids. Permanent makeup is commonly called permanent cosmetics, dermapigmentation, cosmetic tattooing, and micropigmentation. Whenever procedures are conducted on the human body, one needs to thoroughly understand the risks involved. You need to make sure that medical spa insurance policy or aesthetic clinic insurance policy offers you the proper coverage limits in case the worst happens. Call AAG Insurance today, and speak with a medical spa insurance professional.

What is Sclerotherapy?

Sclerotherapy is a non-surgical procedure that is used to treat blood vessels or blood vessel malformations, as well as also those of the lymphatic system. In lay man’s terms, a solution is injected into the vessels, which makes them shrink. It is used to treat young adults and children with lymphatic malformations or vascular problems. In adults, sclerotherapy can be used to combat undesirable varicose veins and hemorrhoids. Sclerotherapy involves an injection of a solution directly into the vein. The solution causes a reaction in the lining of the blood vessel, causing it to swell and stick together, and the blood to clot. Over time, the vessel turns into scar tissue that fades from view. If your medical spa clinic uses schlerotherapy, then you need to make sure that your med spa insurance policy covers the procedure in case the worst happens. Call an AAG medical spa insurance professional today!

What is Breast Augmentation?

Breast Augmentation is also known as augmentation mammaplasty. Breast augmentation involves using implants to fulfill one’s desire for more shapely breasts or to restore breast volume lost after pregnancy or weight reduction. Did you know that breast augmentation is the most popular cosmetic surgical procedure in the U.S.? That means that hundreds of thousands of women have taken the step toward a shapelier figure or piece of mind. In addition, breast augmentation surgeries also include the procedures of breast lift, breast reconstruction, and breast reduction. There a number of reasons why people choose to have these procedures done. Usually health or cosmetic related.

As a business owner, you are only one small accident away from financial hardship and monetary loss. There are a number of coverage’s that need to be included in your medical spa insurance policy if you conduct breast augmentations. Be covered for general liability, negligence, employee error, ect. Contact an AAG medical spa professional immediately. We will examine your current policy and make sure your coverage limits are adequate.

What is Assisted Liposuction?

Laser assisted liposuction is a newly created, European procedure designed to reduce the pain, swelling and bruising often associated with conventional liposuction methods. As discussed Liposuction is defined as the removal of excess fat from areas of the body using suction hollow tubes that are carefully inserted into the body through small incisions. A vacuum pump is then used in conjunction with the hoses to remove the fatty cells. When used with lasers the rays of low-energy waves are pointed at the part of the body where the work is required. As a result, waves penetrate the skin and weaken the membrane of the cells that hold the fat. The fat contained in these cells spew out of the cells exterior.

You need to make sure that your medical spa has adequate coverage when conducting this procedure. Laser liposuction are most commonly used on women are the abdomen, hips, thighs and knees. On men it is common on the abdomen, love handles, and enlarged breast. Make sure your practice is well protected. Call a medical spa insurance agent at AAG today. At AAG Insurance;Your Protection is Our Priority! We know medical spa insurance programs!

What is Thermage?

The purpose of Termage is to create Non-Invasive Skin Tightening. Thermage is currently the only non-invasive procedure for skin tightening & skin contouring. The best part is that it only takes a single treatment, with no injections to see results . There is also very little to no downtime. The result of Thermage skin firming will give the patient softened wrinkles, lines, give them a younger appearance. The procedure uses radio waves to lift and firm the skin. It can be used to rejuvenate several areas of your body, including your face, butt, and stomach. Thermage is also referred to as ThermaCool, radiothermoplasty, and Thermalift. If your medical spa or cosmetology clinic performs Thermage treatments, then you need to make sure your medical spa insurance program has proper coverage limits. Don't wait until an accident to review your medi-spa insurance policy is protecting your business and livelihood.

What is Chemotherapy?

Chemotherapy is the treatment of cancer with an antineoplastic drug or with a combination of such drugs. It is a regimented treatment, and is often the last result of a cancer treatment. Most commonly, chemotherapy acts by destroying cancer cells which divide rapidly. Needless to say, it is important that your medical spa's insurance policy properly protects your business.

What is Mesotherapy?

Mesotherapy is a medical procedure that involves injecting microscopic amounts of natural extracts, homeopathic agents, pharmaceuticals and other vitamins directly into the skin. It is a fairly new procedure that is used medi-spa world to eliminate cellulite, treat aging skin, promote weight loss, and rejuvenate the look in ones hands and neck. It is a non-surgical cosmetic medicine treatment that is becoming more common place every day. It is an extremely popular procedure in Europe and is growing in the US. There are risk involved with every procedure, both surgical and non-surgical. If your medical spa insurance program doesn't cover Mesotherapy, then you need to evaluate your policy. If you are not sure if your medical spa insurance covers the treatment, then you need to call the medical spa insurance professionals at AAG Insurance Today!

What is Vein Therapy?

Vein therapy is otherwise known as “Spider vein therapy.” It is a treatment that is an immensely individualized procedure and it is something that one could do to eliminate the veins from noticeable parts of the body. The medical spa treatments are able to be performed on people of any age, and is a good option for people who are bothered by the unsightly spider veins. Before one would begin such a tedious treatment, one must make sure they are fully committed to following ones plastic surgeon’s prescribed course of treatment. If your aesthetic or cosmetic clinic conducts vein therapy, then you need to make sure your medical spa malpractice insurance coverage will keep your business secure in case the worst happens. Call Jason Kunz or any one of our medical spa insurance professionals today. We know the industry and we know the questions to ask that can potentially save your medical spa money, and ensure your business is well-protected. Our medical spa malpractice insurance programs are nationwide!

What are Acne Treatment?

There are several types of acne treatments that are being conducted at medical spa clinics world wide. Coincidentally, there are several types of acne that can occur to different kinds of people in different stages in life. The common medical term for every-day acne is Acne Vulgaris. There is Cystic Acne, which is referred to as one of the most harsh types of acne, and has the largest chance of future scarring. Then you have Acne Rosacea which appears in middle-aged adults. Also, there is Perioral Dermatitis which is acne that can almost always be found in acne cases in young women. There are more, but just wanted to give you a rundown.

If your medi-spa clinic specializes in acne treatments, then you need to make sure your medical spa insurance policy covers you for all types of risk. Call a medical spa malpractice risk specialist today, and we will make sure you are well-protected.

What is Skin Rejuvenation?

Skin rejuvenation treatments are a process in which professional attempt the reverse visible signs of ageing or skin damage. Skin rejuvenation processes are able to reduce lines, wrinkles, and firm-up loose and sagging areas of the skin leaving the skin with a younger appearance. There are some surgical and medical spa procedures that can begin the process. Examples of skin rejuvenations procedures include, but are not limited to face lifts and chemical peels.

Face Lifts are a method of skin rejuvenation that can be carried out both surgically and non-surgically and is an effective means of reducing unwanted wrinkles or sagging skin. Surgical face lifts are invasive and entails an incision in the hairline, traveling right around the upper part of your head. With every procedure, there are inherent risks involved. Please consult a medical spa insurance professional to make sure that you are covering all your bases.

The Chemical Peel- see definition above.

What is Electrolysis?

Electrolysis is defined by the medical community as removing unwanted or superfluous hair by passing an electric current through the hair root. There are three basic methods for electrolysis: galvanic, thermolysis, and blend. All three offer similar results and involve a thin metal probe being inserted directly into the skin to the hair follicle.

1. Galvanic Electrolysis - Lye is placed on the areas where hair is wanted to be removed. As the lye builds up, hair follicles are eaten away and destroyed.
2. Thermolysis Electrolysis – this process uses shortwave radio frequency to rid of the hair. Essentially, it is a radio transmitter hooked up to your skin, which causes water molecules next to your hair to vibrate at a fast pace that creates heat. After enough heat is formed, thermolysis destroys cells that lead to hair growth.
3. Blend Electrolysis - This combines both galvanic and thermolysis in one treatment. If one type of electrolysis doesn't kill your unwanted hair the other will.

if you conduct any type of electrolysis in your medical spa clinic, then you should to consult a insurance medical spa professional. We know the questions to ask in order to protect your business better, while possibly saving you money. Get Electrolysis insurance today!

More to come!

Transcript of Med Spa Insurance Video Above

Hi, thank you for visiting our website.  My name is Jason kunz, and I have been working with the cosmetic industry for over 10 years.  I have been able to put together an insurance program specifically designed for medical spas and surgery centers.  In addition to my program I also have access to all the available insurance companies who specialize in the cosmetic industry.  Because of these relationships I have with the insurance companies, I am able to tailor the insurance coverages specifically to your medical spa needs, regardless of what state you are located in.  With the companies I have access to; I am able to properly shop you around to provide you with the most complete coverages at the best prices available.  A lot of times I get asked a very simple question which is, “Jason, what insurance coverage does a medical spa need?”  It’s a great question, and even though there are a number of different exposures for medical spas, I want to make sure that the customers that I am working with at least have the basic three coverages in place.  The first one is professional liability insurance coverage…that provides coverages for the procedures and treatments that your medical spa is offering to the general public.  The second is a package insurance policy…that covers the office contents including equipments, desks, chairs, furniture (things of that nature), and general liability.  The last is workers compensation coverage.  It provides coverage for the owner and employees in case they happen to be injured while on the job.  A number of customers that I work with ask me questions specifically regarding medical directors.  In my experience, Medical Directors typically fall into 1 of 2 categories.  Either your medical director is strictly going to be administrative duties only.  They may review charts, come up with consent forms (things of that nature), but they do not provide any direct care to the patients.  The second category encompasses the first one which is the administrative duties, in addition, also provides direct patient care.  (meaning that your medical director is probably performing some of the medical procedures on the patients).  My programs are typically in the name of the corporation entity that actually owns the medical spa.  That way they can provide coverage for all the medical spa owners, and the employees, plus the medical director, if they happen to fall within the administrative duties only or also provide direct patient care.  I also get asked a lot of questions regarding procedures.  I would love to spend all day with talking about different procedures but in the big picture, as long as your medical spa is offering cosmetic procedures to the general public, they can all be covered, including some of the more aggressive ones including tummy tucks, breast augmentations and liposuctions.  Again, my programs are tailored specifically to your medical spa needs.  Another great questions I also get asked is, “are my programs competitive?”  As I said a little bit earlier, because I have access to all the insurance companies nationwide, I am able to tailor the insurance coverages specific to your needs, but also being able to get you a shopped around rate, I assure you that I will provide you with great premiums.  A lot of the times when I am looking at insurance coverages for either new medical spas or existing medical spas, …when I do a coverage review there are usually (unfortunately) some situations where current procedures and coverages are simply not being covered by your existing policies.  A lot of the time, I am able to identify the gaps in your current insurance programs, and not only provide you with quote, but to cover all of your procedures and services that your medical spas are offering to the general public, but most of the time I am able to present you with those insurance quotes at a better premium than you are currently paying.  Thank you for visiting our website.  Call me today at 800-346-2519.  I look forward to working with you.

Click here to go to the top of the page