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Why do aesthetic nurses need business insurance?
Adverse reactions or complications from an aesthetic procedure could lead to a lawsuit. Business insurance helps cover legal fees and out-of-court settlements. It can also pay for other common risks, such as data breaches, fires, theft, and property damage.
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What types of insurance do cosmetic nurses need?
These insurance policies cover common risks faced by aesthetic nurses.
Professional liability / medical malpractice
Malpractice insurance covers legal costs when an aesthetic nurse is sued for negligence, such as an infection caused by a Botox injection. It’s also called professional liability insurance.
BEST FOR
- Complications from injectables
- Severe side effects from a chemical peel
- Scars from a collagen implant
Workers’ compensation insurance
Most states require workers' comp for businesses that have employees. It also protects cosmetic nurses who work independently from work-related injuries not covered by health insurance.
BEST FOR
- Employee medical costs
- Disability benefits
- Lawsuits from employee injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for aesthetic nurses to buy commercial property insurance and general liability coverage together.
BEST FOR
- Slip-and-fall accidents
- Damaged patient property
- Stolen or damaged business property
General liability insurance
This policy covers attorney’s fees and other legal costs from third-party accidents, such as a patient who slips and suffers an injury at your clinic. It's often required for a commercial lease.
BEST FOR
- Accidents that injure a patient
- Damaged patient property
- Libel and other advertising injuries
Cyber insurance
This policy helps cosmetic nurses pay costs associated with data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
BEST FOR
- Customer notification costs
- Data breach investigations
- HIPAA data breach fines
Commercial auto insurance
Most states require commercial auto insurance for vehicles owned by a cosmetic nurse's practice. It helps cover the cost of accidents involving your business vehicle.
BEST FOR
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for medical professionals?
An aesthetic nurse who works independently will pay less for insurance than a large medical spa.
Factors that affect premiums include:
- Healthcare services and scope of practice
- Medical equipment and property
- Years of experience
- Types of insurance purchased
- Per-occurrence and aggregate limits of liability
- Deductibles
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How do I get aesthetic nurse insurance?
It's easy to get business insurance for aesthetic nurses if you have your company information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for nurses, caregivers, and other healthcare providers, whether you work independently or hire employees.
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FAQs about cosmetic nurse business insurance
Is malpractice insurance required for aesthetic nurses?
Medical malpractice insurance, also called a professional liability policy, protects nurses from legal defense costs and provides peace of mind in the event of a lawsuit related to your work performance. There are several reasons you may need to buy this coverage:
- Your employer may require it. The med spa or other healthcare facility where you work may require you to carry malpractice insurance coverage, even if it's not required by state law.
- Your employer's coverage may be limited. Your employer might provide coverage that is effective only in certain situations or for smaller claims. Or, you may have insurance through a nursing association for your work at a hospital, but it will not provide coverage for your aesthetic work.
- Independent contractors are not covered. If you work as an independent contractor, your employer's policy will not provide coverage and you will need to secure your own malpractice insurance policy.
Fortunately, it's possible to find affordable aesthetic nurse malpractice insurance. Insureon's easy online application lets you compare quotes to find the best possible rate. You can customize your coverage options to match your specific needs and your budget.
What does malpractice insurance for aesthetic nurses cover?
Aesthetic nurse malpractice insurance can cover a wide range of claims related to patient care, including:
- Telemedicine / telehealth coverage
- HIPAA defense coverage
- License protection
- Sexual misconduct defense
- Coverage for laser treatments, dermal fillers, and other cosmetic procedures in addition to standard coverage for nurses
Keep in mind that malpractice insurance is usually sold as a claims-made policy instead of an occurrence-based policy. That means you'll need to maintain continuous coverage, as your policy must be active in order for you to file a claim.
What other insurance coverage do cosmetic nurses need?
In addition to the policies mentioned above, product liability insurance provides crucial coverage for aesthetic nurses.
Product liability insurance protects against legal costs related to the products that you use or sell, from facial injectables to fillers. For example, it would help cover a lawsuit resulting from an allergic reaction to Botox. This coverage is often included in your general liability insurance.
Consult a licensed insurance agent to find out about any exclusions or to add other types of coverage to your policies.