Protecting Your Skin Clinic: Insurance Policies Every Dermatologist Needs
- Nate Jones, CPCU, ARM, CLCS, AU
- 12 hours ago
- 2 min read
Running a dermatology practice comes with financial, legal, and operational risks. From malpractice claims to property damage, skin clinics face potential threats that can disrupt patient care and revenue.
While some coverage is mandatory, a proactive insurance strategy ensures your clinic is protected from common and unexpected risks. Here are the essential insurance policies every dermatology practice should consider.
Why it’s essential: Protects your clinic against claims related to patient care, mistakes, or treatment outcomes—both virtual and in-person.
Malpractice claims are one of the highest risks for dermatologists. Professional liability insurance ensures you can defend against claims without compromising the clinic’s finances.
Why it’s essential: Covers accidents or incidents that occur on your clinic premises, such as slip-and-fall injuries or third-party property damage.
Even a minor incident in your lobby or treatment room can lead to costly claims. General liability protects your clinic from lawsuits unrelated to medical care.
Why it’s essential: Safeguards your clinic’s equipment, medical supplies, and digital assets against damage or theft.
From lasers and skincare devices to electronic health records, property insurance ensures your investments are protected and minimizes downtime in the event of a disaster.
Why it’s essential: Provides coverage for staff in case of work-related injuries or illnesses.
Even a minor workplace accident, like a slip or repetitive motion injury, can disrupt operations. Workers’ compensation ensures your employees receive care and your clinic is shielded from liability.
Read More: Workers’ compensation guidance at U.S. Department of Labor
Additional Insurance Considerations
While the four above are essential, dermatology practices may also consider:
Cyber liability for patient data protection
Business interruption coverage for revenue loss during unexpected events
Equipment breakdown insurance for costly machinery
Employment practices liability for HR-related claims
Aligning Coverage With Practice Growth
As your dermatology clinic expands—adding new services, staff, or locations—risk exposure grows. Regularly reviewing insurance ensures coverage matches your clinic’s size and complexity.
Partner With the Right Insurance Agency
Choosing the right insurance partner ensures you get customized coverage and ongoing risk management support.
Wexford Insurance specializes in dermatology practices nationwide, helping clinics select and maintain essential insurance policies tailored to both medical and cosmetic services.
Final Thoughts
Protecting your skin clinic requires more than just good medical care—it requires a strategic insurance plan. By securing professional liability, general liability, property, and workers’ compensation insurance, dermatology practices can safeguard patients, staff, and revenue, enabling growth with confidence.
Contact us today.
