H&W - Insurance for Health & Wellness Organizations

In recent years, the medical spa industry has boomed with many medical professionals being seduced by the industry buzz and growth statistics. Our health and wellness product is specifically designed to meet the needs of these organizations throughout Canada. The policy is a unique modular package which brings together all of the relevant exposures faced by multifaceted organizations, encompassing estheticians, spas & medical colleges. 


Coverage Highlights:

  • Property Damage
  • Business Interruption
  • Professional Liability
  • General Liability
  • Non-Owned and Hired Automobile Liability
  • Cyber & Privacy
  • Third Party Crime
  • Sexual Misconduct & Physical Abuse Liability

Coverage Enhancements Available:

  •  Medical Director/Physician Extension Clause
  • Nil deductibles
  • Costs and expenses in addition 

What we like:

  •  Any health & wellness provider, including but not limited to acid peels, acne treatments, acupressure, biofeedback therapy, body wraps, chemical peels, dieticians and wellness analysis, electrolysis, fitness studios, floatation therapy, hair salons, laser hair removal (IPL/EPL/LHE), massage, microdermabrasion, permanent make-up, tanning – UV & spray, wart removal and waxing. 

What we consider:

  •  Any health & wellness provider, including but not limited to botox, cellulite reduction and body contouring /slimming by electronic devices, dermal fillers, HCG, HRT, Kybella, mesotherapy, platelet rich plasma (PRP/’vampire facial’), skin and micro needling, sclerotherapy, tattoo removal by laser/IPL/EPL/LHE, tattoo parlours and teeth whitening.