Malpractice Insurance for Wellness and Beauty Professionals

What is Wellness and Beauty Professional Malpractice Insurance?

Malpractice insurance for wellness or beauty professionals provides them with the coverage needed in the event they are named in a lawsuit or negligence claim. As nutritionists, dietitians, or wellness counselors see their roles in healthcare expand, the risk in being named in a malpractice suit continues to climb, making malpractice insurance for wellness or beauty professionals more important than ever. As a wellness or beauty professional, you may need professional liability insurance that goes beyond your employer’s policy. Unless you are the owner of the policy, should a claim arise, your interest could likely be viewed as secondary to your employer, the spa, or salon who owns the group insurance policy. Personal malpractice insurance for wellness or beauty professionals is the best protection against harmful allegations, whether they are true or not.

What Risks Do I Face That Warrants Malpractice Insurance for Wellness and Beauty Professionals?

Wellness or beauty professionals counsel clients and patients on nutritional, health issues or other wellness concerns. Estheticians, electrologists, and kinesiologists advise people on specific health areas in order to lead a healthy lifestyle or achieve a specific health-related goal. Due to the various responsibilities of these occupations, having the right amount of wellness or beauty malpractice insurance coverage is essential. The important work of these professionals means there is risk of potential negligence claims.


Why CM&F For Wellness and Beauty Insurance Coverage

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

For more than 25 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of Wellness & Beauty professionals across the US. Whether you’re a facialist, or wellness counselor, the dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of wellness and beauty malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance for healthcare groups or clinics. So we know first hand that should a claim arise, unless the policy is YOUR OWN your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Organizations And Hundreds of Your Peers Recommend CM&F!

What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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