High-risk med-spa and wellness liability specialists — AmSpa's insurance partner
A genuinely specialised med-spa insurance agency with rare appetite for semaglutide, IV, PRP and hormone work, backed by AmSpa partnership and practical risk-management extras — quote-only pricing and undisclosed carriers are the trade-offs.
Wellness Medical Protection Group (WMPG) is an independent insurance agency, established in 2001, that focuses almost entirely on medical spas, anti-aging and wellness practices, operating consumer-facing brands including MedispaCover. It is an agency, not a risk-bearing carrier: it structures coverage and places risk across multiple carriers, which it does not publicly name (the firm describes them as A+ rated).
WMPG's differentiation is appetite for the procedures other markets decline. Beyond core entity and provider professional liability plus general liability, its underwriting is procedure-driven and extends to semaglutide and medical weight loss, IV infusions (including NAD+), PRP, HCG, bioidentical hormone replacement and pellet insertion, ketamine-assisted therapy, stem cell/exosome treatments and integrative medicine. As a Platinum Vendor Affiliate of AmSpa — one of the association's two named insurance partners — it offers members a free risk analysis, consent-form template library and agent consultations. Quoting runs through the online Juno Insure platform with instant-quote capability; pricing is otherwise quote-based.
Ideal customer
Med spas and medical wellness practices whose menu strays into hard-to-place territory — semaglutide/weight loss, IV therapy, PRP, hormones/BHRT, ketamine, integrative medicine — including mobile and hybrid operations, and AmSpa members wanting a partner-priced route.
Every med-spa owner who has added semaglutide, NAD+ drips or hormone pellets to the menu knows the phone call: your existing insurer politely declines to cover the new service. Wellness Medical Protection Group (WMPG) — the independent agency behind MedispaCover, established in 2001 — has built its entire business on saying yes to exactly those procedures. Its standing is easy to triangulate: it is a Platinum Vendor Affiliate of AmSpa and one of the association's two named insurance partners, which in this industry is about as strong an endorsement as exists.
Structurally, WMPG is an independent agency, not a risk-bearing carrier. It underwrites your application and places the risk across multiple carriers it doesn't publicly name, describing them only as A+ rated — a company claim we could not independently verify, so ask for the specific carrier and its AM Best rating at quote time.
The appetite is the story. Beyond core entity and provider professional liability plus general liability, WMPG's underwriting is procedure-driven and reaches into territory most markets refuse: medical weight loss and semaglutide, IV infusions, PRP, HCG, BHRT and pellet insertion, ketamine-assisted therapy, stem cell and exosome work, and integrative medicine. It will also cover fully mobile operations — IV, Botox and weight loss with no fixed premises — which is genuinely rare.
The service wrapper is unusually practical. AmSpa members get a free risk analysis producing a personalised "what I need" coverage report, there's a consent-form template library, and licensed-agent consultations are free. Quoting runs through the Juno Insure online platform with instant-quote capability for standard risks, and premium financing (15% down, ten instalments through First Insurance Funding) softens the cash-flow hit of an annual premium.
Pricing is opaque. There is no rate card; everything is underwritten per procedure, startups face minimum annual premiums, and there are explicitly no part-time rates — a hobbyist injector will pay like a business. The firm reports licensure in 35+ states, so confirm availability where you operate. Carrier identity is undisclosed until you're in the process, and there are no verifiable third-party ratings of the agency itself, so service quality rests on reputation and the AmSpa relationship rather than public review volume. Self-reported superlatives on its site ("largest med spa insurance agency in the U.S.") should be read as marketing.
WMPG is the first call for practices whose menu has outgrown mainstream markets: weight-loss programmes, IV lounges, hormone and longevity clinics, ketamine practices, mobile med spas, and hybrid wellness-aesthetics operations. AmSpa members get tangible extra value through the free risk analysis and partner pathway. A plain-vanilla Botox-and-filler studio can be well served here too, but has more alternatives; it's on the hard-to-place risks that WMPG is close to irreplaceable.
By Med Spa Vendor Hub Editorial Team. Last reviewed July 1, 2026. Independent editorial review — how we score.
A vendor-neutral guide to med spa liability insurance—the six-layer coverage stack, the difference between specialty programs and risk-bearing carriers, why esthetician-scope policies fail injectable practices, and the questions to ask before you bind.
Med spa insurance runs from $9.99/mo esthetician policies to $12,000/yr entity malpractice programs—and the spread is the point. Here's a transparent 2026 breakdown of what each layer costs, why premiums vary, and the cheap-policy trap that creates uncovered claims.
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.
