Grayson Underwriting

Med Spas & Day Spas

Professional and general liability for medical spas and day spas offering non-surgical cosmetic treatments — injectables, lasers, body contouring and related aesthetic services.

Our Capabilities

Limits up to$2 million / $6 million
Minimum deductible$1,000 — typically quoted at $2,500 unless otherwise requested
Minimum premium$2,400 Professional Liability / $3,000 Professional and General Liability — $3,500 with laser and/or weight loss exposure

Product Highlights

  • Professional Liability and General Liability offered on a claims-made basis
  • General Liability on an occurrence form available on request
  • Coverage through an A.M. Best “A” rated international specialty insurer
  • Dual towers — separate Professional Liability and General Liability limits, with a shared option for a credit
  • Separate limits per location available upon request
  • Employees automatically included in the definition of Insured
  • Independent contractors, volunteers and students included upon request
  • Direct patient care coverage for physicians and/or dentists can be scheduled upon request
  • Medical directors may be covered for administrative only or administrative and supervisory duties, including chart sign-off, upon request

Coverage Enhancements Available

  • Sexual Misconduct sub-limit — up to $1 million / $3 million
  • Sexual and Physical Misconduct sub-limit — up to $1 million / $3 million
  • Hired and Non-Owned Auto sub-limit — up to $1 million / $3 million
  • Employee Benefits Liability — up to $1 million / $3 million
  • Health Insurance Portability and Accountability Act sub-limit — up to $250,000
  • Privacy Reimbursement sub-limit — up to $50,000
  • Theft coverage sub-limit — up to $100,000
  • Defense Outside the Limits — up to $1 million
  • Disciplinary Proceeding sub-limit — up to $25,000
  • Legal and Media Event Expense sub-limit — up to $50,000
  • First Dollar Defense
  • Punitive Damages, where insurable
  • Stop gap coverage

Eligible Risks

Writes

  • Medical spas
  • Day spas
  • Physicians and/or dentists performing non-surgical cosmetic treatments
  • Individual allied health practitioners performing non-surgical cosmetic treatments

Ineligible Risks

  • Risks with cosmetic plastic surgery exposure
  • Stand-alone massage parlors

Ineligible Territories

  • Alaska
  • Hawaii

Coverage for laser exposure is limited to $100,000 / $300,000 sub-limits in California, Florida, New York and West Virginia, as well as in certain counties in Illinois and Pennsylvania.

Downloads

Other Programs Available

Coverage summaries on this page are for reference only and should not be used as a substitute for thorough review of the policy forms and endorsements. Please refer to policy forms, endorsements and state-specific wording. Nothing here binds coverage or constitutes an offer to insure. Have a question we haven’t covered? Get in touch →