ER Doc Advisor - Financial Planning & Taxes for Emergency Physicians

Ep 10: Botox, Burns & Bad Outcomes: The Hidden Gaps in Malpractice Insurance

It’s tax season, but today we’re shifting gears to talk about something just as critical for every MedSpa owner: insurance coverage. Many assume their malpractice or general liability policies have them fully protected, but that’s often not the case—especially when it comes to off-label or advanced treatments.

In this episode, we’re diving into the layers of coverage every MedSpa should understand, from professional liability and endorsements to umbrella and surplus lines insurance. If you’re not 100% sure your procedures are covered, this conversation is for you.

WHAT YOU’LL LEARN:

  • Why underinsurance is one of the most common risks for MedSpa owners.
  • Hidden gaps in standard malpractice and general liability coverage.
  • How policy endorsements affect your actual protection.
  • How to review your per-claim and aggregate limits.
  • What umbrella insurance is and how it acts as your third layer of coverage.
  • What to know about surplus lines insurance protection for high-risk treatments.

Tags:

medspa owner, market timing, long-term investing, financial discipline, compound growth, emotional investing, investment strategy, retirement planning, wealth accumulation, stock market volatility, consistent savings

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