Esthetician and med spa insurance, placed by people who know the treatments.

Premium depends on the treatments you perform (basic facials price very differently than microneedling or laser work), revenue, retail product sales, whether you rent a room or own the spa, state, and prior claims. Solo practitioners and multi-room med spas sit with different carriers entirely. Final cost is subject to underwriting and policy terms.

Generally no. The spa's GL and professional liability cover the spa's legal liability, not yours as an independent business — and many spa policies expressly exclude independent contractors. If a client claims a burn or reaction from your treatment, you can be named personally. An individual professional liability + GL policy is the right placement, and most spas and salon-suite landlords now require proof of one before you work.

It depends on the carrier and the modality. Many standard beauty professional liability forms exclude or sublimit advanced modalities — microneedling, deeper chemical peels, RF treatments — or condition coverage on training certificates and state scope-of-practice rules. Some states restrict needle depth for non-medical providers entirely. The treatment list you disclose at application is what the policy responds to, so we map the actual menu before quote. Coverage is subject to underwriting and varies by state and carrier.

A day spa performing facials, waxing, lash work, and massage sits in the beauty professional liability market. A med spa performing injectables, laser treatments, IV therapy, or prescription-strength procedures under a medical director crosses into medical malpractice territory — the medical director, any NPs or RNs, and the entity each need malpractice-grade coverage, and the beauty form alone will not respond. We place both sides of that program so a treatment claim cannot fall between two policies.

Yes if you sell or apply products — products liability follows the chain of distribution, so you can be named in a reaction or injury claim even when the manufacturer is upstream. The exposure is sharper for private-label lines sold under your brand, where your policy is effectively primary. Backbar products you apply during treatment sit under professional liability; retail sales need the products coverage.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.