Insurance is not a compliance checkbox—it's the financial moat between a single adverse event and the dissolution of your practice. Most medspa owners carry inadequate coverage, confuse general liability with professional liability, or rely on blanket policies that exclude injectables and devices. This guide walks you through the three essential coverage buckets, how to think about limits in relation to your revenue and risk profile, and the specific gaps that catch owners off guard. Whether you're a solo injector, a multi-provider clinic, or a DSO, the structure of your insurance directly affects your ability to defend claims, settle efficiently, and keep operating.