Frequently Asked Questions
Why do medical aesthetics clinics need specialized insurance?
Medical aesthetics clinics face unique risks that traditional business policies don’t fully cover. Beyond property damage or slip-and-fall incidents, clinics deal with patient treatments, injectable procedures, medical devices, HIPAA compliance, and high-value equipment. DefendMD understands these realities and provides insurance designed specifically to protect against them.
What types of insurance does DefendMD offer?
We provide a full suite of coverage for clinics, including:
- General Liability – Everyday protection for accidents and third-party claims
- Medical Malpractice – Professional liability coverage for treatments and procedures
- Property Insurance – Safeguards for your building, devices, and assets
- Business Interruption – Income protection if you must temporarily close
- Workers’ Compensation – Coverage for your team in case of on-the-job injuries
- Cyber Liability – Defense against breaches, ransomware, and online risks
- Errors & Omissions / Directors & Officers – Protection for clinic leaders and business decisions
What is the difference between malpractice insurance and general liability insurance?
- General Liability protects your clinic against non-medical risks such as slip-and-fall accidents, property damage to others, or advertising-related claims.
- Medical Malpractice covers treatment-related risks, like patient injury, dissatisfaction with outcomes, or alleged negligence during procedures.
Most clinics need both types of coverage to be fully protected.
Do I really need cyber liability insurance if I already have general coverage?
Yes. Most standard liability policies exclude cyber risks — and today, clinics handle sensitive patient data, digital payments, and online scheduling. A single breach or ransomware attack can cost tens of thousands in fines, recovery, and reputation damage. Cyber liability insurance ensures your clinic can recover financially and operationally.
How does DefendMD respond if my clinic has an incident?
Our Breach Defense & Response team acts quickly and decisively:
- Containing the issue and protecting your reputation
- Coordinating forensic investigations and legal requirements
- Helping you navigate the insurance claims process
- Guiding communication with patients, staff, and regulators
- Supporting your recovery so your clinic gets back to business fast
Is DefendMD only for larger clinics?
Not at all. We work with single-location med spas, multi-clinic groups, and everything in between. Whether you’re just opening your first clinic or running a growing brand, we scale protection to fit your business.
How is DefendMD different from other insurance providers?
- Industry Focused: We work exclusively with medical aesthetics clinics.
- Complete Coverage: From malpractice to leadership to cyber, everything is under one roof.
- Hands-On Support: We don’t just sell policies — we advise, audit, and respond when you need us most.
What happens if my clinic is underinsured?
Being underinsured can leave your clinic exposed to financial ruin. For example, a malpractice claim or cyberattack could cost more than your policy limits, forcing you to cover the rest personally. DefendMD audits your clinic’s risks to ensure your coverage is comprehensive, compliant, and sufficient.
How do I get started with DefendMD?
It’s simple:
1. Schedule a Consultation – We’ll review your current coverage and risks.
2. Audit & Assess – Our experts identify gaps in protection.
3. Get Covered – We’ll design a plan that shields your clinic from every angle.