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Shopping for Liability Insurance

By Kevin M. Quinley April 2007 issue of Skin Inc. magazine

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A new kind of spa is gaining popularity—the medical spa.
       These facilities offer services such as laser hair removal, Botox* injections and other anti-wrinkle shots. Often located in plush environments, medical spas may have a physician on staff and cater to affluent consumers who crave relaxation and pampering.
       Potential liability headaches, however, may prompt medical spa owners and operators to desire some relaxing spa time for themselves. The lawsuit industry is always looking for the next deep pocket, and some attorneys think that the medical spa industry is a juicy target.

Stuff happens
  To paraphrase a popular bumper sticker, “Stuff happens.” An accident virtually guarantees that anyone within 50 feet of the mishap will end up being dragged into court. Consider these suit-producing scenarios:


  • A client undergoing a chemical peel claims that she was negligently burned or suffered an adverse reaction.
  • A client alleges that he fell off a massage table and sprained his shoulder.
  • A client is dissatisfied with her Botox injections, claiming that spa personnel did not adequately warn her of discomfort and side effects.
  • A client slips and falls while walking between rooms.
    Financial Health Information

    Medical spa owners or their agents can contact the following rating services for this type of financial health information:

    A.M. Best—908-439-2200
    Demotech, Inc.—800-354-7207
    Duff & Phelps—866-282-8258
    Standard & Poors—800-523-4534
    Weiss Research—800-289-9222

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