Cosmetic treatments, medical-grade coverage.
Professional liability for injectables, lasers and IV therapy, plus general and product liability, property and workers' comp for medical spas.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Part spa, part medical practice
California treats injectables and many laser treatments as medical procedures that need proper medical oversight. Med spas therefore need professional liability for the providers performing them, not just a spa policy.
I place med spas with markets that write aesthetics, matching coverage to your treatment list, your medical director arrangement and the products you sell.
- Professional liabilityClaims from treatments and procedures.
- Product liabilityProducts you use or sell.
- General liabilityClient injuries at the spa.
- PropertyLasers, equipment and build-out.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Treatments: a full list of services.
- Providers: who performs treatments and their licenses.
- Medical director: on-site or off-site oversight.
- Equipment: lasers and devices with values.
- Revenue and payroll: annual figures.
- History: current policies and claims.
Med spa insurance, answered
Do estheticians and injectors need separate coverage?
The spa's policy can cover employed providers, but each treatment and provider type must be disclosed.
Is IV therapy covered?
It can be, with markets that write it. Disclose it.
What does a medical director need?
Medical directors often need their own malpractice coverage that includes their oversight role.
Are product reactions covered?
Product liability covers claims from products you sell or use, subject to the policy terms.
Do you offer med spa insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your treatment list. I'll shop it.
Treatments, providers and revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.