General Star provides a program to address the emerging growth of Medical Spas. We recognize the coverage needs of lifestyle spas with a wellness focus, as well as aesthetic/cosmetic spas. Coverage can be written through designated surplus lines brokers.*

Wholesale brokers must be designated by General Star's Medical Professional Liability or Primary Casualty Department to submit qualifying business to this program.

Coverage Offered

• Professional Liability on a claims-made basis
  Most non-physician employees are “insureds” under the policy
• Coverage is automatic for Medical Directors’ administrative duties. Optional coverage for Medical Director’s clinic duties available
• Coverage is available for physicians engaged in clinical patient-care services on a shared-limits basis
• Incident sensitive claim trigger option available
• Prior acts and extended reporting periods available
• Multiple locations/named insureds can be added to one policy as the business grows
• General Liability may be included on an occurrence or claims-made basis
• Coverage is available for incidental products liability
• Management Service Organizations and other entities can be covered as “Additional Insureds”

Risk Appetite/Eligible Exposures

• Aesthetic/Cosmetic
• Anti-Aging/Age Management
• Alternative/Complementary Medicine
• Day Spa/Salon evolving into a Medical Spa and with a physician as Medical Director
• Fitness focused medical spas
• Nutritional counseling
• Preventative Medicine
• Single Specialty Spa (For example, only performing laser hair removal, varicose vein treatment, tattoo removal, etc.)
• Stress Management
• Wellness
• Weight Management focused medical spas

Limits

• $1,000,000/$3,000,000 primary and $5,000,000/$5,000,000 follow form excess
• Minimum per-claim deductible is $2,500
• Defense costs in addition to limits of liability option available
• Minimum premiums range from $5,000 to $7,500