Medical Spa Insurance is vital to any spa owner. Medical spas combine beauty treatments and restorative health services typically only offered at a physician’s office with services typically only available in a clinic. Many estheticians provide cosmetic services, and other services include injections, facials, pampering, massages, manicures, pedicures, nutrition counseling, and tanning. If one of these services is not offered or is being offered at a significantly reduced price by another provider, the consumer should take a pass and consider other options. This article discusses the most common missteps when seeking a policy for medical spas, as well as some general guidelines that should always be considered.
Many spas educate their clients on the importance of choosing the right type of provider and the risks involved with using a salon that does not carry the right type of insurance coverage. However, it is often difficult to find out which providers are licensed to practice medicine and which ones are not. Because medical spa insurance is intended to protect patrons from such risks, it is crucial to choose a service that carries the right type of coverage. In this case, the state licensing agency for the specific state where the business resides is typically the best resource for this information. Once this information is obtained, the consumer can then ask any pertinent questions that arise regarding state regulations. If a business is not licensed to provide certain services, it is unlikely that it will be able to offer the right type of insurance coverage.
Many states require that all salons and spas obtain liability insurance coverage in order to legally accept payments for cosmetic procedures. In addition, there are typically multiple levels of coverage, depending upon the state where the business resides. These levels can include payment for accidental injuries that take place on the premises, as well as payments for negligence claims that arise from these accidents. In addition to covering these types of incidents, however, these policies can also cover all types of cosmetic treatments that take place at the facility. While many people envision a plastic surgeon’s surgical room as being akin to a dungeon, these rooms actually carry equipment and supplies that can easily cause serious damage to patients who visit the facility without the proper safeguards. Medical spa owners who do not carry the proper insurance coverage for their operations can be held financially responsible if they choose to ignore this fact.
Unfortunately, while most day spas do carry the proper insurance coverage, it is not always the case that they carry it in an appropriate fashion. In some states, day spas are limited in their liability if they allow a patient to sue for injuries that occur during a treatment session. This means that if a person is injured while at a day spa, they may only be able to collect if they are able to prove that the salon was at fault for negligence. In some cases, a plaintiff may even have to settle out of court in order to be able to collect. However, a lawsuit can force the negligent party to pay for medical bills, which can add up significantly over time.
If you are a victim of negligence, or any other type of malpractice, it is important to contact a qualified personal injury attorney who specializes in these kinds of cases. He or she will be able to assess your case, collect information, gather witnesses, gather evidence, contact insurance companies and build a strong case in front of the right court. These lawyers work exclusively with victims and do not represent any other parties. If you were injured at work, it is in your best interest to seek compensation from the responsible party(s) to recover lost wages, medical bills and other losses. This is the only way that you will receive a fair settlement.
It is important to remember, though, that even spas can fall short when it comes to providing the necessary medical services to patients. There are many incidents of unnecessary surgeries, as well as excessive treatments for conditions that do not require such treatments. When these are performed, the results can be devastating. Working with an experienced lawyer can help you receive the compensation you deserve when you are harmed at work. Contact an attorney today who specializes in these types of injuries, to discuss your case.