Dental Professional Insurance Program

Protecting Your Dental Practice: Inclusive Coverage for Cosmetic Procedures

MARCH 8, 2025

Ensuring your dental practice is protected against potential risks and claims is essential for its stability and integrity. Dental professional liability insurance plays a critical role in this protection. By understanding the various policies available, dental professionals can select the insurance product that best fits their risk profile. It's crucial to know the differences in policies to ensure your practice is adequately insured.

Operating a medi-spa or a practice that includes cosmetic procedures introduces additional risks beyond traditional malpractice policies. Many insurance carriers extend coverage within the scope of a dental practice, but cosmetic procedures often fall outside standard coverage, creating a gap. This gap can leave you unprotected, potentially resulting in out-of-pocket expenses for defense and indemnity payments to injured parties.

At IGPS, we leverage over 100 years of combined experience to assist you with your unique coverage needs, aligning with your practice activities. We offer dental professional liability solutions to various dental professionals. As providers expand their practice to include Botox, dermal fillers, or other cosmetic procedures, it is imperative to verify that such coverage is included in your medical professional liability policy. We work with you to obtain comprehensive coverage that addresses your entire practice, including services, employees, and locations.

Factors Impacting Coverage:

• Where are the procedures being performed? In-office vs. at-home Botox parties?
• Who is performing the procedures?
• What training have the individuals performing the procedures received?
• What risk management steps have been implemented to protect patients?
• Have appropriate informed consent forms been developed for specific procedures and potential medical complications?