The Hartford doesn’t offer aesthetic malpractice insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Aesthetic Malpractice Insurance?
Aesthetic malpractice insurance is a type of business insurance that’s also known as professional liability insurance. It helps protect you from claims that your business made a mistake in the professional services given to a client. This coverage can help pay for your legal costs, such as attorney fees, judgments and settlements.
Why Is Aesthetic Malpractice Insurance Important?
Malpractice insurance for aesthetic nurses is important because it helps protect you from the risks you face as an aesthetics professional. If a patient files a claim for an allergic reaction, over-injected Botox or vascular occlusion, the financial impact could be significant. Without insurance, you may have to cover these costs out of pocket.
Who May Need Aesthetic Malpractice Insurance?
Aesthetic malpractice insurance can help protect:
- Aesthetic/cosmetic nurses
- Nurse practitioners and physician assistants
- Dermatologists
- Dentists
- Estheticians and laser technicians
- Med spa owners
- Trainees or students
What Are the Benefits of Aesthetic Malpractice Insurance?
As a type of aesthetic insurance for nurses, malpractice insurance can help cover unexpected legal expenses that may pop up, such as:
Accidents and Errors
These are claims that you made errors during a procedure, such as improper technique or dosing, poor handling of equipment or inadequate sanitation.
Improper Treatment or Negligence
A patient might claim you failed to meet the standard of care, didn’t properly disclose the side effects or risks of a procedure or forgot to offer sufficient aftercare instructions.
Board Action and Deposition
If you're named in a board investigation or legal deposition, professional liability coverage helps ensure you have access to legal counsel to defend your license and protect your interests.
Failure To Refer or Treat in a Timely Manner
These are claims that you failed to involve a supervising physician promptly, miscommunicated important details or didn’t properly relay critical patient information during a handoff.
Working at Multiple Facilities
Many aesthetic professionals work in multiple settings. Relying solely on employer-provided malpractice insurance can leave critical gaps in coverage. Even if your workplace offers a policy, it may not fully protect you in every procedure, location or role you take on.
What Are Other Common Coverages for Aesthetic Nurses?
In addition to professional liability insurance, aesthetic nurses may need other types of coverage to help protect them from various risks. Many clinic owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect you from claims that your services caused bodily injury or property damage to someone else.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment, inventory and supplies you rely on. These can include your:
- Stethoscopes
- Microdermabrasion machines
- LED light therapy devices
- Syringes and needles
- Saline
- Gauze
- Mirrors
Business income insurance helps replace your income if you can’t operate temporarily because of covered property damage caused by fire, theft or wind.
The Hartford understands that every aesthetic nurse faces unique risks. That’s why we help connect you to Tivly, so you can get a quote for the insurance coverage your practice needs.
How Much Does Aesthetic Malpractice Insurance Cost?
Aesthetic nurse malpractice insurance costs vary because every business is unique. On average, The Hartford’s small business customers pay $744 a year, or $62 a month, for professional liability insurance.1 But this cost varies depending on your chosen coverage limits and specific risks.
Some of the average costs The Hartford’s small business customers in this industry pay for other types of coverage are:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or about $86 a month
General Liability Insurance
“After we had mopped the floor, a patient slipped and fell in the waiting room. He sued our offices to pay for his medical bills.”
General liability After we had mopped the floor, a patient slipped and fell in the waiting room. He sued our offices to pay for his medical bills.
Business Income Insurance
“Someone broke into my office and damaged our equipment. We couldn’t open until we got replacement tools and machines, and I had to reschedule a lot of patients.”
Business income insurance helps replace lost income if you can’t open temporarily because of covered property damage. This coverage can help pay for ongoing expenses, like rent, utility bills or payroll.
Workers’ Compensation Insurance
“My cosmetic nurse lifted a box of supplies and felt a sharp pain in her back. Turns out she pulled something and had to take time off to let it heal.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Commercial Auto Insurance
“One day, I was in the company van driving to another office and got into a car accident. Luckily no one was seriously hurt, but both cars were a mess.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.
Commercial Property Insurance
“A fire broke out in the business next to my office. The flames spread and caused significant smoke damage to our space.”
Commercial property insurance helps protect the equipment, tools and buildings you rely on to run your business.
Spoilage Insurance
“When our fridge malfunctioned, some of the medication that needed to be at a controlled temperature spoiled. It was a total loss, and it all needed to be replaced.”
Spoilage insurance helps cover the cost of spoiled or ruined products that need to maintain a certain temperature to stay marketable.
Get a Quote for Aesthetic Nurse Insurance
Get the coverage you need to help protect your practice from unexpected setbacks.
Last Updated: January 27, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims”
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023," viewed April 2025.
4 National Fire Prevention Association, “Fire Loss in the United States,” viewed April 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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