Do I Need 医疗事故保险 For my Medical Spa?
A medical spa is a facility that provides non-surgical medical procedures under the supervision of a licensed health care professional. Services combine traditional medicine with spa treatments.
Medspa procedures carry the same risk of litigation as any other medical procedures. 另外, the general public believes medi-spa treatments are risk-free due to their aesthetic nature and because they are performed in a spa-like setting. Often lawsuits are filed when patients are angered by negative outcomes they believed would not occur during medi-spa procedures. 此外:
- Many physician and RN liability policies will not cover medi-spa procedures
- Defense costs for a malpractice lawsuit easily exceed $25,000
- Medi-spa related verdicts can and have exceeded $1,000,000
- Medical Spa coverage provides protection and peace of mind for owners, 从业人员, 以及医疗主管
What does it cover and what does it cost to cover my Medical spa
Annual premium range for medi-spa professional liability coverage varies based on procedures performed (see classification of procedures table below), state in which the medi-spa is located, 地点数目, 员工数量和类型, 可扣除的, 追溯性保险. Annual premium is generally between $4,000 – $10,000. Coverage for medical directors (no direct patient care) is included in the annual premium. Separate coverage for individual physicians can be obtained for additional premium.
|Laser Treatments, Fotofacial (and similar)
Class 1 procedures must be performed by an MD/DO, or an RN/NP/PA under the supervision of a physician/medical director.
Class 2 procedures can be performed by aestheticians.
各州的规定各不相同, so check with your local medical board to confirm your states ruling on supervision and performance of various procedures by licensed/unlicensed personnel.
bwin足球平台 if you have a question about coverage for procedures not listed above.
- Provide resumes and certificates of training on all professionals performing procedures. 工作人员 (other than physicians) should be supervised by a physician who has some experience and training in this field .
- Complete and return informed consent forms
- Completed, signed and dated application/s (to request an application, please click here…)
- Limits: Typical limits of liability are $1m/$3m; excess limits are available
- Deductibles: Minimum 可扣除的 is $2,500; higher 可扣除的s may be available
- Separate limit of liability for individual providers may be available. 需要额外申请.
- Most policies are written on a claims-made basis. Retroactive coverage may be available.
- Coverage terms, conditions and exclusions can vary from one carrier to another. Your Presidio Account Executive will explain coverage differences to help you make an informed decision about your coverage needs.
We understand that medi-spa insurance can be confusing. So, we are here to help you every step of the way. We have helped hundreds of Spa’s find the right coverage for the right price.
- Answer any questions about coverage for various procedures.
- Assist you with completing the application and providing the information required.
- Present your information to various reputable insurers that specialize in medi-spa coverage
- Provide any and all coverage and premium options for your consideration
- Review and explain coverage options and terms
- Assist with financing your coverage, if necessary.
bwin足球平台 has been working with med-spa clients for many years. We understand the issues thay many spas face. Don’t hesitate to contact us about any issues related to your med spa and the professional liability insurance options available.