Who insures it · 6 named markets · read 2026-10-28

Who insures Med spas and cosmetic procedures?

Med spas and cosmetic procedures is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Med spas and cosmetic procedures: Admiral Insurance Group, Kinsale Insurance, Beazley, Burns & Wilcox, Marine Agency Corp and others. 2 E&S carriers, 2 program administrators, 1 admitted carrier, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Admiral Insurance Group E&S carrier	Professional liability policy tailored to Medical Spas; sample classes include Botox injectables and dermal fillers, cosmetic surgeries, microdermabrasion and chemical peels, fat reduction, laser liposuction, pellet insertions, non-surgical weight loss and day spa services. “Our policy provides the coverages specifically required by Medical Spas.”	not stated	not stated	admiralins.com · read 2026-10-28
Kinsale Insurance E&S carrier	Allied Health liability for Miscellaneous Medical Risks lists medical spas as a target class and offers a Clinic/Medical Spa Combo general-liability-only application. “Medical spas”	not stated	not stated	kinsaleins.com · read 2026-10-28
Beazley Admitted carrier	Miscellaneous Medical Liability lists medi/day spas among the healthcare organizations it can help. “Medi/day spas”	not stated	not stated	beazley.com · read 2026-10-28
Burns & Wilcox Wholesaler	Healthcare specialty lists Medi and Day Spas under Allied Health Medical Services and Healthcare Facilities, with a medspa liability FAQ covering new services, cyber and sexual abuse/molestation coverage. “Medi and Day Spas”	not stated	not stated	burnsandwilcox.com · read 2026-10-28
Marine Agency Corp Program administrator	Cosmetic laser & medispa insurance program from solo laser operators to full-service medispas including Botox and dermal filler injections, microblading and laser hair removal; independent contractors included as insureds; off-site services (including Botox parties) coverage available. “Marine Agency has been the recognized leader in laser & medical spa insurance since 1999.”	licensed to sell insurance in all 50 states and DC	not stated	marineagency.com · read 2026-10-28
Professional Program Insurance Brokerage (PPIB) Program administrator	Medispa program covering all types of medispa services, listing body contouring, cryotherapy, IV therapy, tattooing and fat regeneration treatments; site describes PPIB as a Program Manager with proprietary programs. “Professional Program Insurance Brokers (PPIB) offers insurance coverage for all types of medispa services, including:”	all states (offered nationwide)	not stated	ppibcorp.com · read 2026-10-28

Seventh verified market not listed (6 max): HPSO (Affinity Insurance Services, program administrator) Aesthetics Procedures coverage for individual practitioners, https://www.hpso.com/Insurance-for-you/Individual-Practitioners/Aesthetics ("Our Aesthetics Procedures coverage safeguards you and your firm against allegations of medical malpractice"). PPIB and Marine Agency style themselves brokerage/agency on their pages but publish their own proprietary programs (PPIB: "pioneer Program Manager" on /program-design/). Beazley's page does not state admitted vs non-admitted. Prime, Amwins, USLI, Wes

How Med spas and cosmetic procedures gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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