Esthetic Services


with an option for immediate policy issuance

Insurance Program for
Esthetic Services Providers

Insurance Highlights:

$2,000,000 Professional Malpractice and Commercial Liability:

Occurrence basis’ policy which simplifies your coverage. Our malpractice protection can also provide retroactive coverage to correspond with your current policy.

  • Additional Coverage Extensions included at no additional costs:
  • Abuse and Molestation Extension - per claim/aggregate $100,000Claims Made Form
    • Includes up to $25,000 for Legal Expense Reimbursement for civil or criminal actions as well as college or panel disciplinary hearings when you adjudged to be innocent of the offense
  • Unintentional Breach of Confidentiality $500,000Claims Made Form
  • Employer’s Liability - per occurrence $100,000
  • Tenant’s Legal Liability - per occurrence $500,000
  • Unintentional Failure to refer to Healthcare Provider Included

With premiums starting at $195.00 per year our insurance program offers:

  • The broadest range of insured modalities
  • Exclusive wordings
  • Available property coverage extension
  • Comprehensive risk management approach catering to your business
  • Spa & Esthetician Services – refer to our list of insured services

In addition to Spa & Esthetician Services, we can include the following practices:

  • Body Work: Shiatsu, Reflexology, etc.
  • Massage: Registered, Relaxation, Therapeutic, etc.
  • Services to Bring Healing Relaxation to the Mind and Body
  • Energy Healing Services: Reiki, etc.
  • TCM and Acupuncture
  • Homeopathy
  • as well as many additional modalities and therapies
  • A sample listing of insured modalities is detailed below.

Our enhanced definition of insured practices offers coverage for a broad array of services and practices. By noting your operations under these broad outlines, additional modalities utilizing similar treatments and therapies are now also insured. Consequently massage now covers all such similar therapies regardless of the school or clinical title. The same is true for energy work such as Reiki, Healing Touch and all similar therapies. If your treatment can be defined by the list of practices, you are automatically covered.

In concert with Med Three Insurance Group and Lloyd’s of London Underwriters we are pleased to introduce the most comprehensive insurance policy for professional holistic therapists as well as affiliated practitioners of a wide range of spa treatments, including esthetics and electrolysis. We offer an industry leading Legal Liability insurance policy designed to protect you against most claims arising from your practice.

To obtain a no obligation online quotation, which offers you the option of immediate policy issuance, please access our application above. Should there be any issues that require clarification one of our staff will contact you within 3 business days.

This online application is for new enrollees who do not currently have a policy with Impact Insurance. Existing policyholders will receive an electronic application link prior to the expiry of your existing policy.

Modality Outline

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