Medical spa insurance in North Carolina

What insurance does a medical spa in NC need?

Med spas typically need: general liability; professional liability (malpractice) covering both aesthetic and medical procedures; commercial property; business income; and workers comp. If laser equipment is used, equipment coverage and specific professional liability endorsements for laser procedures are important. The medical director's malpractice coverage also factors into the overall program.

What professional liability does a NC med spa need?

Professional liability for a med spa needs to cover the full scope of services offered. Standard salon/spa professional liability often excludes medical procedures. Med spa-specific professional liability covers both the aesthetic and medical sides including injectables (Botox, fillers), laser procedures, and other medical-grade treatments.

Does the medical director's insurance cover NC med spa procedures?

Not automatically. The medical director's individual malpractice policy covers their own professional services. The business entity typically needs its own professional liability program covering all providers and procedures performed in the facility.

Are laser procedures covered by standard business insurance?

No. Standard GL and property policies typically exclude professional services and may have specific exclusions for laser equipment. Med spa laser procedures require professional liability covering laser treatments, and the equipment itself needs appropriate property coverage.