Both Sides of Your Practice, Insured to the Standard Your Reputation Deserves

It depends heavily on which side of your practice carries the weight. Medical dermatology is a relatively modest-risk specialty, so the malpractice piece is among the lower-cost specialties — though a full program (with cyber, property, comp, and EPLI) for a small practice can still approach six figures. Plastic surgery and heavily cosmetic work are a different story: as one of the most-sued specialties, malpractice alone commonly runs from the mid five figures into six, and the more elective and surgical your mix, the higher it climbs. Limits often start at $1M per claim / $3M aggregate, with high-volume cosmetic or Mohs practices going higher. Only your actual procedure mix gives a real number — which is what your quote does.

This is the one to get right. Many standard carriers exclude or limit elective cosmetic procedures, body contouring, and facial surgery — so a policy that looks complete can leave your highest-revenue work uncovered. We make sure every service is named — medical dermatology, Mohs, lasers, injectables, peels, and surgical cosmetic — and place it with markets that write the cosmetic side rather than carve it out.

Dermatology is lower-risk than surgery overall, but the exposure is very real. Missed or delayed skin-cancer diagnosis is the single highest-severity claim in the field, and cosmetic complications — burns, scarring, pigmentation — add up. The more cosmetic and device-based work you do, the more your coverage needs to reflect it; carriers often price cosmetic-heavy practices noticeably higher for exactly that reason.

Yes — on two fronts. Before-and-after photos and patient images are protected health information, so a breach or a consent slip is a cyber and HIPAA exposure. And marketing that implies a specific result can create advertising-injury claims. Cyber coverage and the right general liability address both, which matters more for an aesthetic practice than almost any other medical office.

Increasingly, yes. Dermatology and plastic surgery are among the most consolidated specialties, and the moment there are partners, investors, or a management company, the risk shifts from purely clinical to governance and employment — ownership disputes, buy-in and buy-out claims, wrongful termination, and wage-and-hour. Directors & officers and employment practices coverage defend the ownership group where a malpractice policy won’t.

It’s the detail that costs physicians the most when it’s missed. If you’re on a claims-made policy and you leave, switch carriers, or sell without buying tail — or having your new policy pick up your retroactive date — past work can go uninsured, sometimes for years. We structure tail and prior-acts coverage so there’s no gap, which is especially important when you join a group or sell to a partner or private equity.