Malpractice Insurance for Aesthetic Procedures

Cosmetic Procedures Coverage for Individual Nursing Professionals and Firms

Aesthetics Procedures

Are you performing aesthetic or cosmetic procedures as a nursing professional?

NSO is proud to offer Aesthetic Procedure Coverage for both self-employed individual nursing professionals and firms alike to help safeguard your career and your business. Coverage is available to LPN/LVN, RN, NP, and CNS individual practitioners, as well as firms.

Even better news – we’re excited to offer a 15% rate reduction1 on coverage for self-employed practitioners! 

Our professional liability insurance for cosmetic procedures helps safeguard your career and license to practice against allegations of medical malpractice for nearly 100 non-surgical aesthetic procedures.


Aesthetics Procedures Covered

Acne Blue Laser Light
Aromatherapy
Aslan Therapy
Autologous Fat Transfer/Injection
Ayurveda
Balneotherapy
Bindi
Blading
Body Piercing
Boreh
Brush and Tone
Bubble Bath
Caldarium
Carbon Bath
Cathiodermie
Cell Therapy
Chemical Peels
Cold Plunge
Collagen Injections
Crenotherapy
Dermafiller
Detoxification
Dead Sea Mud Treatment
Dermaplaning
Dulse Scrub

Dye or Coloring
Eyelashes or Eyebrows
Electrolysis
Endoveneous Laser
Treatment
Exfoliation
European Facial
Fango Therapy
Flotation Tank
Golden Spoons
Gommage
Hair Transplants
Hanging Exercise
Haysack Wrap
Herbal Wrap
Hydrotherapy
Inhalation Therapy
Injectable Neurotoxins
Intense Pulsed Light
Treatment
Ionization
Japanese Enzyme Bath
Japanese Facial
Kneipp Baths
Laser Hair Treatment
Laser Skin Treatments
Lomi-lomi
Lipolysis

Loofah Scrub
Mandi Susu
Mesotherapy
Microcurrent
Stimulation
Microdermabrasion
Microlipoinjection
Micro-needling
Micropigmentation
Permanent Makeup
Moor Peat Bath
Mirror/Mineral Bath
Mud Bath
Mudpack
Oleation
Oxygen Facial
Panchakarma
Parafango
Paraffin Bath
Permanent Cosmetic
Makeup
Photo Rejuvenation
Photofacial/Fotofacials
Physiochineitherapy
Phytotherapy
Plunge Pools
Radon Therapy
Rassoul

Rassoul Chamber
Rasul
Reflexology
Roman Bath
Salt Glow
Sauna
Scotch Hose
Shiro Dhara
Silicone Injections
Skin Tightening
Treatments
Laser Radiofrequency
Ultrasound
Thread Lifts
Steam Room
Stepping Bath
Sweat Lodge
Swiss Shower
Tanning (Indoor)
Tattooing
Thalassotherapy
Ultra Sound
Watsu
Waxing
Whirlpool

 


Description of Benefits

Professional Liability Insurance Coverage
Insures you against allegations of medical malpractice. Professional liability includes coverage for non-surgical cosmetic procedures, except those specifically excluded in the policy.

Legal Expense Benefit
Legal fees will be paid for covered claims, in addition to your liability limits — win or lose.

License Protection Coverage
Reimburses you for your defense of disciplinary charges and other covered expenses arising out of a covered incident.

Defendant Expense Benefit
Reimburses you for lost wages and covered expenses incurred when you attend a required trial, hearing or proceeding as a defendant in a covered claim.

Deposition Representation
Pays attorney fees as a result of your required appearance at a deposition that arises out of a claim for professional services.

Personal Injury Protection
Insures you, up to the applicable limits of liability, against covered claims arising from allegations of libel, slander, assault and battery, and other alleged personal injuries arising through the performance of your professional services.

Damage to Property of Others
Pays for damage caused accidentally by you to the property of others at your workplace.

Assault Coverage
If you are assaulted at work or while commuting to or from your workplace, we will reimburse you for your medical expenses, including emotional counseling, or reimburse you for damage to your property. (Not available in Texas.)

First Aid Benefit
Reimburses you for expenses you incur in rendering first aid to others.

Medical Payments
Pays for reimbursement of medical expenses to others injured at your business premises.
 


Policy features:

Up to $1 million each claim / $3 million aggregate. Higher limits available.
Paid over and above policy limits.
Up to $25,000 aggregate.
Up to $1,000 per day / $25,000 aggregate.
Up to $10,000 aggregate.
Up to $1 million each claim / $3 million aggregate. Higher limits available.
Up to $10,000 aggregate.
Up to $25,000 aggregate.
Up to $10,000 aggregate.
Up to $25,000 per person / $100,000 aggregate

1 Only available in states where price reduction is approved by the State Department of Insurance.
2  Limit shared with Professional Liability
3 Assault coverage not available in Texas 

Frequently Asked Questions

You have questions. We have answers. (It's why we're here.)



Why do I need an individual professional liability policy? Won't my employer's insurance policy cover me?

Professional liability insurance help safeguards you against allegations of malpractice. While your employer may provide coverage for you, it may not be enough to cover you in all cases. Your employer's policy is designed to preserve the employers' needs and interests first.


I'm starting my own company. Do you have a policy that will cover my company for malpractice?

Yes. NSO offers professional liability insurance to nursing firms, providing many of the same coverages our individual program offers. Our coverage can be tailored to meet the specific needs of your firm. Get more information on our affordable liability coverage for nursing firms.


I work for several different employers. Will that affect my coverage or rate?

Not necessarily. The rate you pay is based on whether you are an individual or a business. If you're an individual, it also depends on whether you receive a W2 or 1099 tax form. Talk with a NSO representative for more information.



There are plenty more where those came from.


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