Coverage for the medical side and the elective side — because you practice both.

It depends heavily on which side of the practice you’re insuring. Medical dermatology is one of the lower-risk specialties, so its malpractice is relatively affordable; cosmetic and plastic surgery sits much higher, because surgical and elective work carries more claim exposure. Most professional liability is written at $1M per claim / $3M aggregate, and a practice that does both is rated on its actual mix — the share of cosmetic and surgical work is usually the biggest driver. Beyond malpractice, the program adds property and laser equipment, cyber, general liability, workers’ comp, and the practice entity. Your procedure mix, devices, and providers give the real number, which is what your quote does.

It can, but only if it’s written to. This is the single most common gap we see: a policy built around medical dermatology may treat cosmetic procedures, injectables, or surgery as an afterthought — or exclude them — and a policy built for surgery may not price the medical side efficiently. The right program is rated on your true mix and names every procedure category you perform, so a Mohs excision and a laser resurfacing are both clearly covered, not left to interpretation after a claim.

It can be, and it’s a risk unique to elective care. When a patient chooses and pays for a cosmetic outcome, dissatisfaction alone — without a clear medical injury — can lead to a claim, and these cases turn heavily on consent, expectations, and documentation. Professional liability written for cosmetic work is built to respond to result-based allegations, not just medical negligence. We also make sure your consent process and photo documentation are part of the conversation, because they’re often your best defense.

They should be — and coverage hinges on who does what. Energy devices, chemical peels, fillers, and injectables carry burn, scarring, and adverse-reaction exposure, and carriers care a great deal about whether a physician, PA, NP, RN, or aesthetician performs each service and how they’re supervised. We make sure every device and every provider is disclosed and covered, so a delegated laser treatment doesn’t fall outside the policy the way it can when staff roles aren’t spelled out.

With cyber liability and HIPAA breach-response coverage — and it matters more here than in most specialties. Before-and-after and clinical photos are protected health information, and few records feel more personal to a patient if they’re exposed. The coverage handles a breach — notification, investigation, regulatory response, and system recovery — while protecting the trust behind those images. We’ll also walk through the safeguards, from consent to storage, that keep a claim from happening in the first place.

Yes, and it’s easy to overlook. Selling private-label or retail skincare, dispensing prescription-strength products, or reselling devices creates product-liability exposure that professional liability doesn’t address. If a dispensed product causes a reaction, product and general liability coverage is what responds. We make sure your retail and dispensing activity is reflected in the program, so a growing product line doesn’t sit outside your coverage.