Malpractice and Aesthetic Procedures
Professional Liability for Cosmetic and Aesthetic Procedures – Does Your Malpractice Insurance Cover You?
Do you perform aesthetic or cosmetic procedures in your office? Do you have any ancillary personnel that specializes in aesthetic or cosmetic procedures and treats your patients? If you said yes to these questions, you may not have coverage under your current malpractice policy!
Cosmetic procedures and Medspas are rapidly expanding into the malpractice world and need coverage! The conventional malpractice policy may not include cosmetic or aesthetic procedures unless they are specifically endorsed onto your malpractice policy.
Some people may assume that coverage is automatically included and perform the procedures, without checking with their insurance carrier, and can easily fall into the horrors of paying out of pocket if a claim should arise. We have answers for your unconventional situation!
We at Desert Mountain Insurance are dedicated to keeping up with the latest cosmetic trends and ensuring our clients have coverage for the evolving practice of aesthetic procedures. Our agency has many malpractice markets for your cosmetic exposure needs and offers competitive coverage and pricing.
According to the American Society of Plastic Surgeons, there are over 17,000,000 cosmetic procedures performed annually. Our agency has many solutions for:
- your practice
- your aestheticians
- your nurse practitioners
- your physician assistants
So you and they can continue providing cosmetic and aesthetic procedures for your clients and you can feel at ease with your insurance and patient care.
Cosmetic and Medspa policies may include many different procedures. FDA approval may not be required to obtain a policy. Here are some examples of cosmetic and aesthetic procedures where we can help you place coverage:
- Botox – A purified form of botulinum, a neurotoxin causing botulism, injected in minute amounts especially to treat muscle spasms and relax facial muscles in order to reduce wrinkles.
- Coolsculpting – A fat-freezing procedure that is an FDA-cleared, non-surgical fat-reduction treatment that uses controlled cooling to eliminate fat.
- Cryotherapy – A technique that uses an extremely cold liquid or instrument to freeze and destroy abnormal skin cells that require removal.
- Kybella – An injectable formulation of deoxycholic acid is a naturally occurring molecule within the body. When injected into areas of unwanted fat, it aids in the breakdown and absorptions of fat.
- Chelation Therapy – A medical procedure that involves the administration of chelating agents which remove heavy metals from the body.
- Liposuction – Sometimes referred to as “lipo” by patients; slims and reshapes specific areas of the body by removing excess fat deposits, changing body contour and proportion.
- Lipodissolve – An alternative method to liposuction. This treatment involves a drug mixture injected into the body. These shots are meant to dissolve or melt away body fat without invasive surgery.
- PDO Thread Lift – A non-surgical facelift that uses Polydioxanone (PDO) threads which are a special medical grade thread that is thinner than hair, made of protein.
- PRP Vampire Facial – Platelet-rich plasma, or vampire facial, which uses your own blood’s platelets and plasma on your face for rejuvenation
Aesthetic procedures are evolving and so is the insurance you need to cover them. Call us or complete our quote form for a free consultation. We can help you determine and understand the coverage you need.