Berkshire Hathaway's A++ malpractice carrier with an explicit med-spa facility product
The carrier-strength benchmark in this category — Berkshire Hathaway-owned, A++ rated, and one of the few top-tier insurers with an explicit med-spa facility product — best for established clinics that can accept broker-placed, individually underwritten (and opaque) pricing.
MedPro Group, a Berkshire Hathaway company headquartered in Fort Wayne, Indiana, is the longest-running malpractice insurer in the United States — founded in 1899 and the first to offer malpractice coverage in the country. It carries AM Best's highest financial strength rating, A++, and company-reported figures put its insured base at more than 300,000 healthcare providers and facilities.
Unusually among top-tier carriers, MedPro publishes a dedicated Medical Spa facilities application: its facilities programme explicitly lists 'Medi-Spa' as an organisation type, meaning a med spa can obtain facility-level malpractice alongside coverage for its physicians and providers from a single A++ carrier. The package is supported by MedPro's in-house claims operation and an extensive risk-management resource library, including continuing-education webinars.
Ideal customer
Established med spas — particularly physician-owned or medically directed clinics — that want facility-level malpractice and provider coverage from a single, top-rated carrier, and value claims defense pedigree over the cheapest premium.
Most of the malpractice options available to med spas insure the clinician. MedPro Group is on this list because it insures the clinic. Founded in Fort Wayne, Indiana in 1899 — making it the longest-running malpractice insurer in the United States — and owned by Berkshire Hathaway since 2005, MedPro carries AM Best's highest financial strength rating, A++, and company-reported figures put its insured base above 300,000 providers and facilities.
What earns it a med-spa-specific recommendation rather than a polite nod is concrete: MedPro publishes a dedicated Medical Spa application, and 'Medi-Spa' appears as an explicit organisation type within its facilities programme. That means a med spa can place facility-level malpractice — covering the entity itself — alongside coverage for its physicians and providers with a single top-tier carrier, rather than stitching together individual policies and hoping the gaps don't matter.
Carrier quality is the headline. In liability insurance, the promise is only as good as the balance sheet and the claims desk behind it, and MedPro is arguably the strongest combination in healthcare: Berkshire Hathaway capital, an A++ rating very few carriers hold, and a claims operation with a long-standing defense-oriented reputation. For a med spa facing a serious injectable or laser claim — the kind that names the business, the medical director and the injector together — that pedigree is worth real money.
The entity-level structure is the second differentiator. Provider programmes like NSO, HPSO and Proliability leave the business itself uninsured; MedPro's facilities approach closes exactly that gap. And the surrounding infrastructure is genuinely useful: risk-management resources, continuing-education webinars and straightforward claims reporting, the accumulated apparatus of a company that has been doing nothing but healthcare liability for more than 125 years.
Buying MedPro is a different experience from clicking through a consumer quote flow. There is no published pricing; the med-spa product is an underwritten application covering procedures, provider mix and volumes, and placement typically runs through independent agents and brokers. Expect the process to take longer and the premium to reflect A++ paper — this is rarely the cheapest option. The med-spa offering is also an application within a broad facilities portfolio rather than a standalone aesthetics brand: you will not find the aesthetics-specific marketing, claim studies and educational content that the Aon/CNA programmes produce for injectors. Smaller or newer spas may find the underwriting appetite and process heavier than they need. As with most commercial insurance, there are no verifiable third-party aggregate ratings to lean on.
Established med spas — especially physician-owned or medically directed clinics with meaningful treatment volume — that want the entity properly insured and are willing to trade a quote form for an underwriter. Pair a MedPro facility policy with individual provider coverage and you have close to the gold-standard liability stack in this category. For solo injectors or estheticians simply buying their own malpractice policy, the provider programmes elsewhere in this category are the faster, cheaper route; for the business itself, MedPro is the benchmark.
By Med Spa Vendor Hub Editorial Team. Last reviewed July 1, 2026. Independent editorial review — how we score.
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Insurance ProvidersASCP is the leading esthetician membership association — 40,000+ members, company-reported — bundling individual (not shared) $6M-aggregate occurrence-form liability insurance with a deep education and business-resource library for $259/yr.
Insurance ProvidersBeauty & Bodywork Insurance (BBI) sells low-cost, instant-issue online liability for beauty and bodywork professionals — esthetician coverage from $9.99/mo with $2M/$3M limits, underwritten by Accelerant — plus a quoted medical-spa program for spa businesses.
Insurance ProvidersBerxi is Berkshire Hathaway Specialty Insurance's digital-native malpractice program — individual medical malpractice for NPs, PAs, RNs and allied health with limits to $1M/$6M and defense outside limits — provider-focused, with no dedicated med-spa entity product.
