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| COVERAGE OPTIONS* |
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PROFESSIONAL/GENERAL LIABILITY: MEDICAL DIRECTORS INCLUDED. PHYSICIAN MAY BE ADDED.
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Cover most procedures typically associated with a Medi Spa including: botox injections, chemical peels, electrolysis, dermal fillers (collagen, restylane, radiesse, fat, etc), laser hair removal, laser skin treatments, massage, mesotheraphy, microdermabrasion, micropigmentation, tattoo removal, contour threadlift, cellulite treatments and...
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Coverage guidelines for injectables:
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Botox injections: registered nurses, nurse practitioners and physician's assistants are required to have appropriate training including anatomy, hands-on-procedures, potential complications, and how to handle complications
Physicians only procedures: chemical peels with solutions strength greater than 20%, dermal fillers (collagen, restylane, radiesse, fat, etc.) mesotherapy, tattoo removal, contour threadlift and any other surgical or invasive procedure.
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Prior acts coverage available.
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| CLAIMS EXAMPLES* |
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Non-ingestable overdose: A 22 year old woman died of a lidocaine overdose after applying a prescription-strength anesthetic gel to her legs before laser hair removal treatments were to be performed at the insured's medical spa. The gel (10% lidocaine and 10% tetracaine) was dispensed to the plaintiff by the insured pursuant to a standing physician's order issued by the insured's medical director.
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Disappearing nose: A patient's nose was "eaten away" on one side after being injected with radiesse. The patient was allegedly a prior cocaine user and failed to disclose this prior to treatment. Patient is seeking reimbursement for medical bills and looking for the insured to reimburse further treatment.
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More than just the loss of hair: A man was treated on six occasions for laser hair removal on a small area of his chin and a larger area on his upper back by the insured's medical spa. He filed a claim when he experienced an adverse reaction to his chin, which resulted in a trip to the hospital emergency room and a consultation with a dermatologist.
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| RISK EXAMPLES* |
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Medi spa specializing in hair removal.
Limits: $1,000,000/$3,000,000. Deductible: $5,000
Premium: $8,000
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Anti-aging medicine with emphasis in prevention, botox and collagen injections.
Limits: $200,000/$600,000
Deductible: $5,000
Premium: $9,250
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Spa employs two physicians specializing in botox, collagen, laser hair removal, and microdermabrasion procedures.
Limits: $1,000,000/$3,000,000
Deductible: $2,500
Premium: $19,487
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Medi spa performing intense pulse light and photo rejuvenation treatments.
Limits: $1,000,000/$3,000,000
Deductible: $2,500
Premium: $7,500
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Clinic providing anti-aging medical procedures including chemical peels, laser hair removal, laser skin treatments, restylane injections and microdermabrasion.
Limit: $200,000/$500,000
Deductible: $2,500
Premium: $10,352
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Medi spa providing laser skin treatments and laser hair removal
Limit: $1,000,000/$1,000,000
Deductible: $2,500
Premium: $6,792
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| TIPS ON REVIEWING MEDI SPA RISK WITH US* |
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Medi spas provide a wide variety of services performed by many different levels of providers. Before forwarding a submission, it’s important to consider the risks for each procedure along with the level of training and experience of the personnel performing the procedures. Completion of APP 640 as listed on our website will help an underwriter structure coverage appropriately.
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Where are services being rendered? Is the risk an extension of a physician’s office, a stand-alone medi spa or a beauty shop offering a few anti-aging procedures? An extension of a physician’s office can be insured by covering the entire practice including the physician’s primary practice.
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We may be able to offer general liability when picking up the entire operation of the applicant. General liability cannot be added when the risk is a beauty shop where only a portion of the operation is being covered, or if the risk is a physician’s practice.
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