Most policies quietly bury these in the exclusions — and owners only find out at the claim. Get a free coverage-gap audit for your Illinois med spa.
Check my coverage →Free · no obligation · takes about 2 minutes
Standard and generic business policies cover "a medical office." They do not automatically cover the specific procedures a med spa performs. The rule underwriters use is simple and brutal: if a procedure isn't explicitly scheduled on your policy, it isn't covered — Botox, fillers, microneedling, lasers, IV therapy, and especially newer treatments. A policy can look perfectly adequate on paper and still leave you personally exposed.
In 2025, many carriers added blanket exclusions for semaglutide, tirzepatide and compounded weight-loss drugs to med-spa policies. If you've added GLP-1s to your menu, there's a real chance your current policy specifically does not cover the fastest-growing — and most scrutinized — service you offer. The audit checks this first.
Are Botox, filler, microneedling, laser, IV & PRF actually scheduled — or silently excluded?
Is semaglutide/compounded coverage affirmative, or blanket-excluded?
Does your MD's personal policy actually cover the business? (Usually not.)
Are your contractors and every provider on the policy?
If you switch or close, are past procedures still covered?
The coverages most generic policies skip but med spas need.
A 2-minute form: what you offer, who's on staff, your current carrier.
We check your coverage against the exposures specific to med spas.
A short call to show you what's covered, what's not, and your options.
For Illinois med spas, injector RNs & NPs, and clinic owners.