Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for med spas, Botox clinics, and aesthetic practices. We insure the procedures that fall between beauty and medicine—where most carriers won't go.
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The reality
Too medical for a beauty salon policy. Not medical enough for full malpractice. Botox, fillers, laser treatments, and IV therapy live in a gray zone that standard carriers don't understand—and won't cover.
A client doesn't like their lip filler results. A laser treatment causes hyperpigmentation. An IV drip has a bad reaction. Even when you do everything right, unhappy clients sue. Professional liability isn't optional—it's survival.
A single laser machine can run six figures. IPL devices, body contouring equipment, cryotherapy chambers—your equipment investment is massive. Standard property coverage doesn't come close to replacement value.
"We place med spas and aesthetics practices every week. We know which carriers understand the industry—and which ones will deny claims over procedure technicalities."
From Botox to body contouring, we've got your practice covered.
Covers malpractice claims from Botox, fillers, and aesthetic procedures
Protection for slips, falls, and property damage at your facility
Covers reactions to skincare products, injectables, and treatments
Protects lasers, IPL machines, and aesthetic devices
Coverage for estheticians, nurses, and front desk staff
Protects patient records and handles data breach response
Specialized coverage for aesthetics and wellness
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Med Spa insurance is a commercial insurance program built around the risks of a med spa business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Commercial Auto, Workers Comp, Property. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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