Anti-aging

Tailored industry coverage

 

Why purchase tailored coverage?

Our industry specific coverage is designed to suit all anti-aging businesses from lower risk day spa services through aesthetic surgical procedures. This class of business is constantly changing through fast paced technology growth and we are prepared to grow along with our insureds – insuring new and emerging treatments as they are developed.

Appetite

Actively targeting

  • All aesthetic injections
  • Class IV Laser skin treatment/hair removal
  • Colon hydrotherapy
  • Cosmetology
  • Hormone therapy for anti-aging
  • Intense Pulsed Light treatments
  • Invasive and non-invasive cellulite reduction
  • Laser tattoo removal
  • Low level laser treatments
  • Permanent make-up
  • Plastic surgery
  • Radio frequency treatments

Also considered

We thoroughly consider new and emerging treatments as they come to the market when performed by skilled professionals

Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • Waiver of retention available for anti-aging facilities following exemplary risk management standards
  • Billing and regulatory errors sublimit
  • Sexual abuse and misconduct sublimit
  • Reported incident trigger of coverage
  • Coverage for all professional services referenced in the application
  • Duty to defend
  • Included as insureds
    • Medical directors
    • Employees, independent contractors, students,
    • volunteers (including mid-level nursing staff)
    • Employed or contracted physicians (nonsurgeons) on a blanket basis

Additional Coverage Can also include General Liability, Technology E&O, Crime, Privacy and Business personal property with this class

  • Waiver of retention available for compounding and retail pharmacies following exemplary risk management standards
  • Duty to defend
  • Claim mad and reported coverage with an incident trigger
  • 50/50 hammer clause available by default
  • Defense costs in addition to the limit available for additional premium
  • Loss only retention option
  • Bilateral extended reporting period 12/24/26 months for 75% / 150% / 225%

Related products

Package Anti-aging coverage with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Lack of informed consent

A patient experienced an allergic reaction to the chemicals in a facial product and has to be treated with medication. She claims that she was not informed of possible the side effects of this treatment and attempts to recover damages from the spa.

Lack of informed consent

A patient experienced an allergic reaction to the chemicals in a facial product and has to be treated with medication. She claims that she was not informed of possible the side effects of this treatment and attempts to recover damages from the spa.

Laser consent

After multiple successful treatments, a patient is burned during laser hair removal. She brings a claim against the spa, requiring a defense even though they suspect that the patient contributed to the injury by getting sun in between treatments.

Laser consent

After multiple successful treatments, a patient is burned during laser hair removal. She brings a claim against the spa, requiring a defense even though they suspect that the patient contributed to the injury by getting sun in between treatments.

Hormone therapy

Following a pellet insertion procedure to improve a male patient’s testosterone levels, the patient experiences a stroke and dies. The family of the patient, including two small children, bring a claim against the clinic alleging wrongful death arising from the pellet insertion and negligence related to failure to recognize the patient’s risk factors for stroke.

Hormone therapy

Following a pellet insertion procedure to improve a male patient’s testosterone levels, the patient experiences a stroke and dies. The family of the patient, including two small children, bring a claim against the clinic alleging wrongful death arising from the pellet insertion and negligence related to failure to recognize the patient’s risk factors for stroke.

Regulatory

In New Jersey, a physician must operate laser tattoo removal equipment, but a medical spa performing laser tattoo removal is operating without a physician on staff. While they have not yet injured anyone, a complaint is made and the state investigates the spa.

Regulatory

In New Jersey, a physician must operate laser tattoo removal equipment, but a medical spa performing laser tattoo removal is operating without a physician on staff. While they have not yet injured anyone, a complaint is made and the state investigates the spa.