How Much Does Med Spa Insurance Cost?

Most med spa insurance providers do not publish a price. We read the websites of 20 providers on October 1, 2026 and recorded what each one publishes. 8 of the 20 publish a price. 12 do not. This guide sets out the public prices, the ranges quote-only agencies give, the fees behind a headline premium, and what to ask before you sign.

Every figure below links to a vendor profile, and each profile links to the page the figure came from.

How do med spa insurance providers charge?

Three pricing models appear in the data:

• A published price you can buy at. Elite Beauty Society charges a flat $179 for a one-year esthetician policy, with no quote process. Beauty & Bodywork Insurance (BBI) starts at $9.99 a month or $96 a year for esthetician coverage.
• A membership that includes insurance. Hands On Trade Association lists esthetician coverage at $190 a year. Alternative Balance charges $269 a year. ASCP charges $259 a year or $23 a month, with advanced esthetics insurance billed separately.
• A quote. 12 of the 20 publish no starting price. Some quote online in minutes: CM&F Group says its quote appears on screen in as little as five minutes, and CarePro Insurance's online portal prices cover in 2 to 3 minutes. PPIB is slower: its site says pricing cannot be set until underwriting has reviewed a completed application, with a quote normally in 3 to 5 business days.

What sets the final premium? MedispaCover says it builds your premium around the treatments on your menu, the credentials of your practitioners, your claims history and your annual revenue. Cunningham Group says there are two classes for medical spa services, priced by treatment type such as lasers, fillers, Botox and peels.

What do published prices look like?

Provider	Published starting price	What it covers	Minimum term as stated
NEXT Insurance	From $11/mo (general liability, low-risk businesses)	Esthetician and spa owner packages: general liability, professional liability, commercial auto, workers compensation and property	No minimum term; cancel at any time
Beauty & Bodywork Insurance (BBI)	$9.99/mo or $96/yr	Esthetician liability with $3 million aggregate coverage; its med spa program is priced by application	Not stated
Elite Beauty Society	$179/yr (one-year policy; $49/yr for students)	Professional and general liability for one practitioner, at $2 million per occurrence	Not stated
Hands On Trade Association	$190/yr	Esthetician, makeup artist and cosmetologist membership; microneedling coverage costs $240/yr	Not stated
ASCP	$259/yr or $23/mo	Membership including professional, general and product liability at $2 million per occurrence	Membership runs for 12 months; monthly payment available
Alternative Balance	$269/yr	Membership including liability insurance, plus $10,000 each for equipment and business interruption	Not stated
Huntersure	From $1,200 minimum premium (individual practitioner)	Professional liability for individuals; med spa entities start at $2,400 for professional liability only or $3,000 with general liability	Not stated
MedispaCover	From $1,800/yr	Malpractice and liability for a new or start-up med spa; multi-location groups start at $5,000/yr	Policies can be cancelled after 90 days

These prices are not comparable, and it matters why. Five of the eight are prices for one individual practitioner, usually an esthetician: BBI, Elite Beauty Society, Hands On Trade Association, ASCP and Alternative Balance. NEXT Insurance's $11 a month is a general liability figure for low-risk businesses, and its site has no med spa page. Huntersure publishes minimums for both individual practitioners and med spa entities, and MedispaCover publishes starting premiums by practice type. Both are minimums or starting points: the final premium depends on the practice. Huntersure's program is open to wholesale brokers only, so you reach it through a broker.

Which providers do not publish a price?

These 12 of the 20 publish no starting price: Allied Beauty Experts, CM&F Group, CarePro Insurance, Cunningham Group, Healthcare Providers Service Organization (HPSO), Insureon, Latent Insurance, Malpractice Insurance Co., Marine Agency, Nurses Service Organization (NSO), Olson Duncan Insurance and Professional Program Insurance Brokerage (PPIB).

Four of them still publish numbers that stop short of a starting price:

• CarePro Insurance states that solo injectors typically pay $800 to $1,500 a year, small med spas range from $2,000 to $3,500, and full-service practices start at $4,000.
• Malpractice Insurance Co. states typical premiums of $800 to $7,000 a year, lower for injectors and higher for surgeons.
• Insureon publishes the average premiums its own med spa customers pay: $52 a month for general liability and $208 a month for professional liability.
• NSO offers a 15% rate reduction for self-employed practitioners in approved states.

The other eight publish no premiums of their own. Latent Insurance's med spa page describes typical market cost ranges rather than quotes, and Allied Beauty Experts sets out three med spa coverage levels, Medspa I, II and III, chosen by the treatments you offer, but premiums come only through its application.

A private price is not a sign of a bad product. It does mean the quote is the number, so get it in writing before you compare it with anything in the table above.

What costs sit behind the headline premium?

• Checkout and service fees. Elite Beauty Society adds a $5 processing fee at checkout. PPIB charges a broker fee for handling the account and issuing the policy, and does not state the amount.
• Installment charges. ASCP adds a $10 service charge if you pay its advanced esthetics insurance in quarterly installments.
• Optional coverage. ASCP's business personal property insurance costs $99 a year for $10,000 of coverage or $299 a year for $30,000. Its advanced esthetics insurance for laser hair removal is billed separately at $1,191 (Premier) or $991 (Elite). At Huntersure, adding general liability to a med spa entity policy moves the minimum premium from $2,400 to $3,000.
• Broker economics. Cunningham Group says broker commissions are already built into the premium, so working with a broker costs nothing extra. Latent Insurance states zero placement fees.
• Payment plans. MedispaCover takes 25% down and then monthly payments through a premium financing partner, with no credit check. Allied Beauty Experts takes 50% down, skips the next month and gives you up to 10 months to pay the balance. Malpractice Insurance Co. states monthly payment options, and NEXT Insurance says you can pay monthly or annually.

How long are you locked in, and how do you get out?

Only 3 of the 20 state a minimum term, and NEXT Insurance is the only one that states month-to-month terms: it says you can pay monthly or annually and cancel instantly at any time. ASCP membership runs for 12 months, with a monthly payment option. MedispaCover says policies can be cancelled after 90 days.

9 of the 20 publish how cancellation works. NEXT's terms are above. The other eight:

• Hands On Trade Association: no refunds. Premiums are 100% minimum earned.
• Alternative Balance: memberships and policies are non-refundable once coverage begins. The terms name one exception, where the company finds the business non-compliant with a policy.
• MedispaCover: cancel at any time after 90 days, but the carrier keeps at least 25% of the policy cost, and refunds depend on the carrier, the policy and the time elapsed.
• NSO: for business policies, no refund is provided for staff who leave during the year.
• BBI: cancel online from your policyholder dashboard.
• CM&F Group: cancel by phone or email, stating the cancellation date.
• HPSO: cancellation must be requested in writing and takes effect from the date the request is received.
• PPIB: requires a signed cancellation form, after which unearned premium is calculated under the policy terms.

The other 11 do not publish how cancellation works. Ask before you buy, and ask what happens to any refund.

What should you ask a provider that only quotes?

1. What is the annual premium for my full treatment menu, including lasers and injectables?
2. Are my individual providers covered under the entity policy, or does each one need separate cover?
3. Is my medical director covered, and under which policy?
4. What fees do you add on top of the premium, and what is each one for?
5. Can I pay monthly, and what does that cost compared with paying annually?
6. If I cancel mid-term, how much of the premium comes back to me?
7. Which treatments on my menu are excluded?

Get the answers in writing. None of the 20 publishes a case study result, so ask for a referral from another med spa owner. Compare all 20 in the insurance providers category, where each one is scored on what it publishes.