Insurance provided by Impact Insurance Brokers and Med Three Insurance

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Professional & General Liability coverage
for Spa & Esthetics Practitioners

Impact Insurance Brokers Inc. has been a leader in providing specialized coverage for Holistic professionals for more than fifteen years. Our focus on delivering forward thinking coverage, like ‘occurrence based policies’ with the broadest definitions of modalities at cost effective pricing, has served thousands of practitioners over the years. With our instant on-line quotation and policy issuance software, we’ve made purchasing insurance an ‘almost’ painless experience.

Policy premiums start at $195.00 per year and offer you:

  • Exclusive wordings
  • The industry’s broadest range of insured modalities
  • Multiple modalities for one low price
  • Instant on-line quotation and policy issuance
  • Available property coverage extension
  • Retroactive coverage available 

Our coverage includes:

$2,000,000 Professional Malpractice and Business Liability on an
 ‘Occurrence basis’ policy that simplifies your insurance purchase.

  • ‘Abuse and Molestation’ extension – on a Claims Made Form
  • per claim/annual aggregate $100,000
    1. Expenses for the defense of civil actions
    2. Includes Legal Expense Reimbursement of $25,000 for criminal actions
  • ** Coverage only applies when you are pleading and adjudged to be innocent of the offence

  • $500,000 Unintentional Breach of Confidentiality  Claims Made Form
  • $100,000 Employer’s Liability - per occurrence
  • $500,000 Tenant’s Legal Liability - per occurrence
  • Included   Unintentional Failure to refer to Healthcare Provider       

Click on the link above and find out for yourself whether our product line meets your insurance needs. 

If you are enquiring on behalf of an Association, we will be pleased to assist you with a customized program of insurance designed specifically for your members.

Along with our Spa & Esthetic therapies we also include:

  • 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
  • Spa & Esthetician Services
  • As well as many additional modalities and therapies 

For your convenience and guidance a listing of modalities is included. If you practice in Canada and conform to the broad definitions above, you can participate in our insurance program.

Professional estheticians offer their clients a chance to reenergize and revitalize a sense of well-being through a variety of beauty treatments. These treatments help enhance their client’s natural beauty and increase self-esteem and confidence. With a tranquil setting and a soothing experience, it is easy to leave the spa feeling relaxed and content. There is often an opportunity for an esthetician to build and earn the trust of their client. The treatment sessions are up close and personal. Estheticians want to create a safe and warm space for their clients, allowing the client to feel they are in capable hands. But many of the treatments can create an opportunity for injury or general liability as it is known in the insurance industry. Waxing, microdermabrasion, electrolysis and other treatments can have detrimental effects even when performed by an experienced technician. All professionals in the field require the right insurance products to protect against unpredictable financial loss.

Making Sure You Have the Right Coverage

Esthetics insurance policies are designed specifically to meet the needs of those working in the industry. Trained with specialized knowledge, estheticians strive to perform their jobs in a safe and hygienic manner. Accidents can occur, putting business owners and employees at risk. The proper coverage will protect against accidents arising from equipment malfunctions, injuries, property damage or injury caused during a treatment. At the minimum an esthetician’s insurance policy should cover both general liability and malpractice occurrences.

Protecting your investment

Whether you’re new to the industry, or have established a successful career, some basic risk management tips can prevent a loss that takes time away from your practice and possible financial expense:

Consider the following to help ensure your clients know what to expect from you:

  • Communicate with new clients – advise them of what to expect from their sessions. Some may have unrealistic expectations and be looking for timely results. Set the expectation early and check in to monitor their progress.
  • Maintain a clean house and equipment – good housekeeping is your best prevention against general liability claims.
  • Records – keep accurate and up to date files on all patients. Having written reference notes about your clients and their treatments helps you present the professional image expected in today’s competitive health space.

Specialized Policies for Esthetics & Holistic Therapy Practitioners

Not all insurance policies are created equal. Impact Insurance Brokers has been providing coverage to your industry for over fifteen years. Our policy is designed to cover a broad scope of legal liability issues, including bodily injury and malpractice suits. Our easy to use on-line application offers immediate policy issuance - and our ‘Occurrence Based’ policy is an industry best at some of Canada’s most affordable rates.