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Medical Spa Insurance Massachusetts


What is Medical Spa Insurance?

Establishing a medical spa requires substantial investment, and the resources poured into a spa ought to be protected whenever possible. Medical spa insurance policies help Massachusetts spas shield themselves and their assets from a variety of covered property, liability and other perils.

Medical spa insurance is a type of commercial insurance that’s designed to meet the particular risk mitigation needs of medical spas. In order to provide multiple protections, these policies normally come as package policies that combine multiple individual coverages together.

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What Businesses in Massachusetts Should Have a Med Spa Insurance Policy?

Most medical spas located in Massachusetts ought to carry a med spa insurance policy, as nearly every business is exposed to at least some risk and this is generally the most appropriate kind of insurance for these businesses. Without insurance, spas are open to potentially expensive losses and lawsuits that they might otherwise be protected against.

Importantly, med spa policies shouldn’t be confused with day spa policies when purchasing insurance. While day spas and medical spas may share some common coverage needs, they also have distinct needs in certain areas. Day spas will usually find better protection for their business through a day spa policy.

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Medical Spa Insurance Massachusetts

What Coverages Does Med Spa Insurance Offer?

The exact coverages included in a med spa insurance policy can vary slightly, because spas typically have the option to select or deselect certain protections. Nonetheless, there are many coverages that policies commonly make available and spas frequently choose. Many of these can be categorized as either liability or property protections.

Some of the more common liability protections are:

  • Anesthetist Liability Coverage, which often covers certain mistakes made by employed RN anesthetists
  • Regulatory Fines and Penalties Coverage, which often covers accidental legal infractions
  • General Liability Coverage, which often covers slip-and-fall accidents and some liability lawsuits
  • Product Liability Coverage, which often covers harm and damage caused by sold products
  • Professional Liability Coverage, which often covers some errors in work that employees make
  • Cyber Liability Coverage, which often covers online attacks and data breaches
  • Commercial Umbrella Coverage, which often affords supplemental liability coverage

Some of the frequently offered property protections are:

  • Commercial Property Coverage, which may protect buildings, equipment and supplies that a business owns
  • Equipment Breakdown Coverage, which may protect vital equipment if it breaks down and needs immediate repair
  • Business Interruption Coverage, which might protect against prolonged revenue drops as a business rebuilds after a disaster

There are still more coverages that a policy might offer and a spa may want. An insurance agent who specializes in med spa policies can help spas review all the available coverage options and select the ones that are appropriate for their situation.

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What Kind of Professional Liability Coverage Do Medical Spas Need?

When reviewing professional liability coverage, medical spas should both make sure they know both what employee activities are covered by a policy and what risks are covered. It’s sometimes necessary to get a broad professional liability coverage as well as a more specialized one, such as anesthetist liability coverage. It’s also important to check whether a policy covers risks like HIPAA violations, malpractice lawsuits and sexual assault claims, as these are all risks that a spa could face.

As with other coverages, a knowledgeable agent can help spas sort through the nuances of this coverage so that they end up with the right amount of protection.

Medical Spa Insurance Massachusetts

How Can Medical Spas in Massachusetts Get Medical Spa Insurance?

For help insuring a medical spa that’s located in Massachusetts, contact the independent insurance agents of Garrity Insurance. Our agents are able to show you medical spa insurance policy options from many insurance companies in the state, and they have the expertise required to help you choose the best available option.

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