Insurers pouring into the medi-spa liability market need to be wary of the potential for seemingly harmless cosmetic procedures to disfigure underwriting results with claims that can range from laser burns to fatalities, experts warn.

Medical spas, which offer everything from botox injections and fat-dissolving treatments to alternative medicine and nutritional guidance, are getting a much warmer reception from insurers than they did five or six years ago, according to Edward Kuhn, owner of Liability Insurance Solutions, a Chicago-based agency specializing in this class of business.

“All of a sudden, there's almost a herd mentality involved with all these [insurance] companies getting in almost overnight,” Mr. Kuhn said, comparing today's environment to a time when only a “trickle” of insurance markets was available.

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