Specialist malpractice broker for med spas, medical directors and tail coverage
A focused independent broker that knows the med-spa and medical-director malpractice market well — including the tail-coverage questions most generalists fumble — though its boutique size means a thinner public footprint than the big programs.
MEDPLI is an independent brokerage focused entirely on medical professional liability. Its med-spa practice places entity malpractice coverage for the spa plus the people inside it — medical directors, physicians, NPs, PAs, RNs, aestheticians and laser technicians — by comparing quotes from multiple AM Best A-rated carriers and presenting options.
The firm is notably fluent in the structures that trip med spas up: it flags that a medical director's individual policy does not protect the spa entity, generally recommends claims-made policies with retroactive/prior-acts coverage, and maintains a visible specialty in tail insurance. Typical med-spa policy limits it describes are $1M per claim / $3M aggregate, with most med-spa malpractice policies ranging roughly $5,000–$15,000 a year (company-published range). All pricing is by quote. It is a smaller firm with a thinner public footprint than national brokerages.
Ideal customer
Med spa owners and medical directors who need the malpractice layer done properly — entity coverage, medical-director exposure, prior-acts and tail questions — and want a specialist broker comparing A-rated carriers rather than a generalist agency or self-serve marketplace.
MEDPLI is the opposite of a generalist: an independent brokerage that does one thing — medical professional liability — and treats med spas as a named specialty rather than an afterthought. Where big-box carriers sell the property-and-premises layer and marketplaces sell speed, MEDPLI works the layer that actually keeps med spa owners awake: malpractice for the entity, the medical director and everyone holding a needle or a laser.
The firm's material shows genuine command of the structures that routinely trip up spa owners. It states plainly that a medical director's individual malpractice policy does not protect the spa as an entity — a distinction plenty of owners discover only at claim time — and it generally steers clients toward claims-made policies with retroactive or prior-acts coverage. Tail insurance is a visible, standalone specialty; the firm's CEO, Max Schloemann, writes publicly on why tail coverage matters, and that fluency shows up in how placements are framed.
The fit is the story. MEDPLI describes coverage for the full med-spa cast — medical directors, physicians, nurse practitioners, physician assistants, RNs, aestheticians, massage therapists and laser technicians — under entity-level programmes, comparing quotes from multiple AM Best A-rated carriers and presenting options. It also publishes more pricing context than most malpractice brokers: typical med-spa limits of $1M per claim / $3M aggregate, and a company-stated range of roughly $5,000–$15,000 a year for most med-spa malpractice policies. Those are the firm's own figures, not independent benchmarks, but they set honest expectations before anyone picks up the phone.
Service is broker-led rather than self-serve: a short online form, then a human who handles the paperwork and carrier comparison. For a coverage line where wording and retroactive dates genuinely matter, that is the right model.
MEDPLI is a boutique, and the trade-offs are what you would expect. The public footprint is thin relative to national brokerages — no published carrier panel, limited institutional detail on the firm itself — so buyers are leaning on the specialist relationship rather than a big-brand balance sheet (the carriers behind the policies, which MEDPLI says are A-rated, are what actually pay claims). Its site displays an embedded Google-review widget, but we could not independently verify a third-party aggregate to our citation standard, so we list no ratings.
Scope is the other boundary: this is the malpractice layer, full stop. Your BOP, property, workers' comp and cyber will live elsewhere, so MEDPLI is a complement to a package carrier, not a replacement. And with all pricing by quote, the published $5K–$15K range is guidance, not a rate card — value-for-money judgements arrive only after underwriting.
If you own a med spa — or serve as its medical director — and the malpractice programme is the thing you want done properly, MEDPLI is exactly the kind of specialist worth a call: entity coverage, individual physician placements, prior-acts questions and tail coverage handled by people who do nothing else. It pairs naturally with a Hartford-style BOP for the property side.
Owners who want one vendor for the whole insurance stack, or who prefer a large firm's depth of public disclosure, will find the boutique model limiting. Within its lane, though, MEDPLI's aesthetics fit is among the strongest we have reviewed in this category.
By Med Spa Vendor Hub Editorial Team. Last reviewed July 1, 2026. Independent editorial review — how we score.
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