How do I fill out AO8b form 2 for Medspas?

How to Complete Form A08b for a Conditional Insurance Quotation

Form A08b collects preliminary information about your medspa or IV therapy clinic to help insurance carriers assess risk and provide an indicative price for coverage. This allows you to decide whether to proceed with a full application without committing upfront. Medical professionals often find these forms challenging, so we’ll guide you step-by-step. If you don’t have exact details, provide your best estimate—carriers expect approximations at this stage. For fields like revenue or insurance limits, we’ve included industry averages to help. For basic fields (First Name, Last Name, Full Mailing Address, City, State/Region, Postal Code, Email, Phone Number), enter accurate contact details as prompted. Below is guidance for the remaining fields.

1. Full Business Name (including DBAs & Subsidiaries)

Purpose

Identifies the legal entity seeking insurance, including any DBAs or subsidiaries, to assess the full scope of operations and risks.

Information Required

Enter the legal name of your business, including any DBAs or subsidiaries.

• Format: Full legal name with designations (e.g., LLC, Inc.) and DBAs (e.g., Serenity MedSpa LLC dba Glow Spa).
• Example: Vitality IV Clinic LLC or Radiance MedSpa Inc. dba Serenity Spa.
• Note: Include all DBAs and subsidiaries to ensure coverage applies to all operations.

If You Don’t Have This Information

If unsure of the legal name:

• Check Documents: Review business registration, tax filings, or licenses.
• Average Approach: Most medspas/IV clinics use an LLC or Inc. name (e.g., [Business Name] LLC).
• Contact Westwood: Call 855-351-7487 for help identifying the correct name.

Tips for Accuracy

• Match the name on legal documents to avoid coverage gaps.
• For medspas, include DBAs (e.g., spa brand names).
• For IV clinics, list any affiliated wellness brands.

2. Date the Business was Established

Purpose

Shows how long your business has operated, indicating stability and experience, which affects risk assessment.

Information Required

Enter the month and year your business was legally formed.

• Format: Month YYYY (e.g., June 2015).
• Example: January 2020.
• Note: Use the date of incorporation or registration.

If You Don’t Have This Information

If unsure:

• Check Records: Look at business registration or tax documents.
• Estimate: Use the year you began operations (average medspa/IV clinic age: 5–10 years).
• Contact Westwood: Call 855-351-7487 for assistance.

Tips for Accuracy

• Verify the exact date to show stability.
• Medspas/IV clinics: Newer businesses (<5 years) should highlight strong management.

3. Type of Entity

Purpose

Indicates your business’s legal structure, which affects liability and coverage needs.

Information Required

Select or enter your business’s legal entity type.

• Format: LLC, Inc., Sole Proprietor, etc.
• Example: LLC.
• Note: Most medspas/IV clinics are LLCs or corporations.

If You Don’t Have This Information

If unsure:

• Check Documents: Review incorporation papers or tax filings.
• Average Approach: ~70% of medspas/IV clinics are LLCs.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Confirm with legal documents to ensure correct coverage.
• Medspas/IV clinics: LLCs are common for liability protection.

4. Is the Business Affiliated with or Owned by Another Entity?

Purpose

Identifies affiliations or parent companies that may influence risk or coverage scope.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” if your business is part of a larger group or franchise.

If You Don’t Have This Information

If unsure:

• Check Ownership: Review partnership agreements or corporate records.
• Average Approach: Most standalone medspas/IV clinics answer “No.”
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Be honest to avoid coverage issues.
• Medspas: Franchises often have affiliations.
• IV clinics: Check for wellness group ties.

5. Details of Other Entity that Owns or Is Affiliated with Your Business

Purpose

Provides details about affiliated entities to assess their impact on risk (appears if “Yes” to affiliation).

Information Required

Describe the affiliated entity and relationship.

• Format: Name and relationship (e.g., Parent company: Wellness Group Inc.).
• Example: Parent company: Serenity Wellness Group LLC.
• Note: Include legal names and ownership details.

If You Don’t Have This Information

If unsure:

• Check Records: Review corporate documents or contracts.
• Contact Westwood: Call 855-351-7487 for assistance.

Tips for Accuracy

• Be specific to ensure all entities are covered.
• Medspas: Note franchise or chain affiliations.
• IV clinics: Mention wellness or medical group ties.

6. FEIN (Federal Employer Identification Number)

Purpose

Identifies your business for tax and legal purposes, ensuring accurate risk assessment.

Information Required

Enter your business’s 9-digit FEIN.

• Format: XX-XXXXXXX (e.g., 12-3456789).
• Example: 12-3456789.
• Note: Required for LLCs, corporations, or businesses with employees.

If You Don’t Have This Information

If you don’t have an FEIN:

• Check Records: Look at tax filings or payroll documents.
• Apply for One: Request an FEIN from the IRS (irs.gov, takes ~1–2 weeks).
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Verify the number to avoid delays.
• Medspas/IV clinics: Most businesses have an FEIN for tax purposes.

7. Do You Provide Services at Locations Other Than Mailing Address?

Purpose

Determines if your operations extend beyond your primary address, affecting risk exposure.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” if you operate mobile services or multiple locations.

If You Don’t Have This Information

If unsure:

• Review Operations: Check if services are provided at events or other sites.
• Average Approach: Most medspas/IV clinics operate from one location (“No”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include all locations to ensure full coverage.
• Medspas: Mobile Botox parties count as other locations.
• IV clinics: Mobile IV services are common.

8. Practice Conducted at Another Location Details

Purpose

Describes additional locations to assess their risk (appears if “Yes” to other locations).

Information Required

Provide addresses and details of other locations.

• Format: Address and description (e.g., 123 Test Rd, mobile IV services).
• Example: 456 Wellness Ave, secondary medspa location.
• Note: Include all sites where services are performed.

If You Don’t Have This Information

If unsure:

• Check Records: Review leases or event contracts.
• Estimate: List known locations and note “TBD” if incomplete.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Be thorough to avoid uncovered locations.
• Medspas: Include pop-up events or partner clinics.
• IV clinics: List mobile service areas or partner gyms.

9. Do You Work in Any Other US States?

Purpose

Identifies multi-state operations, which affect licensing and coverage needs.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” if services are provided across state lines.

If You Don’t Have This Information

If unsure:

• Review Operations: Check client locations or service contracts.
• Average Approach: Most medspas/IV clinics operate in one state (“No”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include all states to ensure compliance.
• Medspas: Cross-state events are common.
• IV clinics: Mobile services may cross state lines.

10. Please List All States You Work in and the Percentage in Each

Purpose

Details multi-state operations to assess risk distribution (appears if “Yes” to other states).

Information Required

List states and the percentage of operations in each.

• Format: State: XX% (e.g., Ohio: 35%, New York: 65%).
• Example: California: 70%, Nevada: 30%.
• Note: Percentages must total 100%.

If You Don’t Have This Information

If unsure:

• Check Records: Review revenue or client data by state.
• Average Approach: Estimate based on client distribution (e.g., primary state: 80%, others: 20%).
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Ensure percentages add to 100%.
• Medspas: Events in nearby states may skew percentages.
• IV clinics: Mobile services may spread across states.

11. Types of Procedures Performed

Purpose

Identifies the procedures your practice performs to assess risk levels, from non-invasive to surgical.

Information Required

Select all applicable procedure categories.

• Format: Check boxes for Category I (Non-Invasive, Non-Injectable), II (Injectables & Abrasive Skin Care), III (Laser & Non-Invasive Liposuction), IV (Minor Facial Cosmetic Surgery), V (Invasive Liposuction & Cosmetic Surgery), VI (Regenerative Medicine), VII (Other Non-Surgical Procedures).
• Example: Medspa: Categories II, III, IV; IV Clinic: Categories VI, VII.
• Note: Be specific, as higher categories (IV, V) increase risk.

If You Don’t Have This Information

If unsure:

• Review Services: Check service menus or billing codes.
• Average Approach: Medspas: II–IV common; IV clinics: VI–VII common.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Include all procedures to avoid underinsured risks.
• Medspas: Focus on injectables, lasers, minor surgery.
• IV clinics: Emphasize IV therapy, regenerative treatments.

12. Details of Other Surgical Procedures Not Listed

Purpose

Describes unlisted procedures to ensure all risks are covered (appears if “Any surgical procedures beyond those listed” is selected).

Information Required

Describe any additional surgical procedures.

• Format: Brief description (e.g., Custom facial implants).
• Example: Platelet-rich plasma injections.
• Note: Be specific to assess risk accurately.

If You Don’t Have This Information

If unsure:

• Check Records: Review procedure logs or marketing materials.
• Estimate: Note “None” if no unique procedures apply.
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• List all unique procedures to avoid coverage gaps.
• Medspas: Include niche treatments (e.g., thread lifts).
• IV clinics: Note regenerative therapies (e.g., stem cells).

13. Total Revenue

Purpose

Measures your business’s financial scale, indicating exposure and coverage needs.

Information Required

Enter your total annual revenue.

• Format: Dollar amount (e.g., $1,000,000).
• Example: $2,500,000.
• Note: Include all income sources.

If You Don’t Have This Information

If unsure:

• Check Records: Review tax returns or accounting software.
• Average Approach: Medspas: $1–3M; IV clinics: $500K–$2M.
• Contact Westwood: Call 855-351-7487 for help estimating.

Tips for Accuracy

• Use last year’s tax return for accuracy.
• Medspas: Include product sales.
• IV clinics: Count membership fees.

14. Fee-for-Service Revenue

Purpose

Breaks down revenue from services, indicating core business activity risk.

Information Required

Enter revenue from procedures and treatments.

• Format: Dollar amount (e.g., $500,000).
• Example: $1,500,000.
• Note: Exclude product sales or rentals.

If You Don’t Have This Information

If unsure:

• Check Records: Review billing or POS systems.
• Average Approach: ~60–80% of total revenue (e.g., $600K–$2.4M for a $3M medspa).
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Focus on procedure income only.
• Medspas: Include Botox, fillers, lasers.
• IV clinics: Count IV drips, injections.

15. Product Sales Revenue

Purpose

Identifies revenue from retail products, which has lower risk than services.

Information Required

Enter revenue from product sales.

• Format: Dollar amount (e.g., $200,000).
• Example: $500,000.
• Note: Include skincare, supplements, etc.

If You Don’t Have This Information

If unsure:

• Check Records: Review inventory or sales reports.
• Average Approach: ~10–20% of total revenue (e.g., $100K–$600K for a $3M medspa).
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Exclude service revenue.
• Medspas: Skincare products are a big driver.
• IV clinics: Supplements are common.

16. Medical Equipment Rental Revenue

Purpose

Assesses revenue from renting equipment, which may add unique risks.

Information Required

Enter revenue from equipment rentals.

• Format: Dollar amount (e.g., $100,000).
• Example: $50,000.
• Note: Rare for most medspas/IV clinics.

If You Don’t Have This Information

If unsure:

• Check Records: Review leasing agreements.
• Average Approach: Often $0 for medspas/IV clinics.
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include only rental income.
• Medspas/IV clinics: Rarely rent equipment.

17. Other Income

Purpose

Captures miscellaneous revenue to ensure all income is considered.

Information Required

Enter revenue from other sources.

• Format: Dollar amount (e.g., $200,000).
• Example: $100,000.
• Note: Include memberships, consulting, etc.

If You Don’t Have This Information

If unsure:

• Check Records: Review financial statements.
• Average Approach: ~5–10% of total revenue (e.g., $50K–$300K for a $3M medspa).
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Be specific about sources.
• Medspas: Include membership programs.
• IV clinics: Count wellness coaching.

18. Do You Employ or Contract Anybody Else?

Purpose

Determines if you have staff, affecting liability and coverage needs.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” if you have employees or contractors.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review payroll or contractor agreements.
• Average Approach: Most medspas/IV clinics have staff (“Yes”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include all staff to ensure coverage.
• Medspas/IV clinics: Staff are common.

19. Do You Have a Medical Director?

Purpose

Confirms oversight by a medical professional, reducing risk.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Required for most medspas/IV clinics.

If You Don’t Have This Information

If unsure:

• Check Staff: Confirm if a physician oversees operations.
• Average Approach: ~90% of medspas/IV clinics have a medical director.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Ensure a qualified director is in place.
• Medspas/IV clinics: Medical directors are standard.

20. Your Medical Director’s Name

Purpose

Identifies the medical director for verification of oversight (appears if “Yes” to medical director).

Information Required

Enter the full name of the medical director.

• Format: First Last (e.g., John Smith, MD).
• Example: Jane Doe, MD.
• Note: Include credentials (e.g., MD, DO).

If You Don’t Have This Information

If unsure:

• Check Contracts: Review the director’s agreement.
• Estimate: Use the overseeing physician’s name.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Verify the name and credentials.
• Medspas/IV clinics: MDs or DOs are typical.

21. Medical Director’s Specialty

Purpose

Assesses the director’s expertise, ensuring relevant oversight (appears if “Yes” to medical director).

Information Required

Enter the director’s medical specialty.

• Format: Specialty name (e.g., Dermatology).
• Example: Plastic Surgery.
• Note: Relevant specialties reduce risk.

If You Don’t Have This Information

If unsure:

• Check Credentials: Review the director’s license or CV.
• Average Approach: Common specialties: Dermatology, Plastic Surgery, Internal Medicine.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Be specific (e.g., “Dermatology,” not “Doctor”).
• Medspas: Dermatology or aesthetics preferred.
• IV clinics: Internal medicine or wellness common.

22. Does the Medical Director Provide Good Faith Exams or Develop Treatment Plans?

Purpose

Confirms the director’s active role, reducing liability (appears if “Yes” to medical director).

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Active involvement is preferred.

If You Don’t Have This Information

If unsure:

• Check Protocols: Review the director’s duties.
• Average Approach: Most directors perform exams/plans (“Yes”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Confirm the director’s role to reduce risk.
• Medspas/IV clinics: Exams and plans are standard.

23. Do You Need Coverage for Your Medical Director?

Purpose

Determines if the director’s activities require insurance (appears if “Yes” to medical director).

Information Required

Select coverage needs: Direct patient care, Supervisory duties, or Both.

• Format: Check boxes (e.g., Both).
• Example: Direct patient care and supervisory duties.
• Note: Most need both for full protection.

If You Don’t Have This Information

If unsure:

• Check Duties: Review the director’s role.
• Average Approach: Most need coverage for both (~80% of medspas/IV clinics).
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Cover all activities to avoid gaps.
• Medspas: Directors often perform injectables.
• IV clinics: Directors oversee IV protocols.

24. Physicians (Surgical & Non-Surgical)

Purpose

Counts physicians to assess staffing risks.

Information Required

Enter the number of physicians.

• Format: Number (e.g., 20).
• Example: 10.
• Note: Include all MDs/DOs.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 2–5; IV clinics: 1–3.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all physicians, including part-time.
• Medspas: Include cosmetic surgeons.
• IV clinics: Count wellness physicians.

25. Physician Assistants

Purpose

Counts PAs to assess staffing risks.

Information Required

Enter the number of PAs.

• Format: Number (e.g., 2).
• Example: 3.
• Note: Include all licensed PAs.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 1–3; IV clinics: 0–2.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all PAs, including part-time.
• Medspas: PAs often perform injectables.
• IV clinics: PAs may assist with IVs.

26. Nurse Practitioners / APRNs

Purpose

Counts NPs/APRNs to assess staffing risks.

Information Required

Enter the number of NPs/APRNs.

• Format: Number (e.g., 3).
• Example: 2.
• Note: Include all licensed NPs/APRNs.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 1–4; IV clinics: 1–3.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all NPs/APRNs, including part-time.
• Medspas: NPs perform injectables, lasers.
• IV clinics: NPs oversee IV therapy.

27. Registered Nurses (RN/LPN/LVN)

Purpose

Counts nurses to assess staffing risks.

Information Required

Enter the number of RNs/LPNs/LVNs.

• Format: Number (e.g., 1).
• Example: 5.
• Note: Include all licensed nurses.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 2–5; IV clinics: 3–6.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all nurses, including part-time.
• Medspas: RNs assist with injectables.
• IV clinics: RNs administer IVs.

28. Aestheticians

Purpose

Counts aestheticians to assess staffing risks.

Information Required

Enter the number of aestheticians.

• Format: Number (e.g., 25).
• Example: 15.
• Note: Include all licensed aestheticians.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 5–20; IV clinics: 0–2.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all aestheticians, including part-time.
• Medspas: Aestheticians are core staff.
• IV clinics: Rarely employ aestheticians.

29. Laser Technicians

Purpose

Counts laser technicians to assess staffing risks.

Information Required

Enter the number of laser technicians.

• Format: Number (e.g., 20).
• Example: 10.
• Note: Include all trained technicians.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 3–10; IV clinics: 0–1.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all technicians, including part-time.
• Medspas: Technicians perform laser treatments.
• IV clinics: Rarely use lasers.

30. Medical Assistants

Purpose

Counts medical assistants to assess staffing risks.

Information Required

Enter the number of medical assistants.

• Format: Number (e.g., 1).
• Example: 4.
• Note: Include all certified assistants.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 1–5; IV clinics: 1–3.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all assistants, including part-time.
• Medspas/IV clinics: Assistants support procedures.

31. Massage Therapists

Purpose

Counts massage therapists to assess staffing risks.

Information Required

Enter the number of massage therapists.

• Format: Number (e.g., 4).
• Example: 2.
• Note: Include all licensed therapists.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Average Approach: Medspas: 1–5; IV clinics: 0–1.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Count all therapists, including part-time.
• Medspas: Massage is a common service.
• IV clinics: Rarely offer massage.

32. Other Medical Staff Employed

Purpose

Identifies additional staff to ensure all risks are covered.

Information Required

List other staff and their roles.

• Format: Role – Number (e.g., Surgeons – 10).
• Example: OBGYN – 3.
• Note: Include all unlisted medical roles.

If You Don’t Have This Information

If unsure:

• Check Payroll: Review staff rosters.
• Estimate: Note “None” if no other staff.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Be specific about roles and numbers.
• Medspas: Include cosmetic surgeons.
• IV clinics: Note wellness specialists.

33. Do All Independent Contractors Have Their Own Professional Liability Insurance?

Purpose

Confirms contractors’ coverage to reduce your liability.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: “Yes” lowers your risk.

If You Don’t Have This Information

If unsure:

• Check Contracts: Review contractor agreements.
• Average Approach: ~80% of contractors have their own insurance.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Verify contractor policies.
• Medspas/IV clinics: Require contractor insurance.

34. Are All Employees & Contractors Licensed According to State & Federal Regulations?

Purpose

Ensures compliance, reducing regulatory risks.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: “Yes” is expected for compliance.

If You Don’t Have This Information

If unsure:

• Check Licenses: Review staff credentials.
• Average Approach: Most medspas/IV clinics comply (“Yes”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Confirm all licenses are current.
• Medspas/IV clinics: Licensing is critical.

35. Have Any Employees Had Disciplinary Actions, License Revocations, or Criminal Convictions?

Purpose

Identifies staff risks that could affect coverage.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Be honest to avoid policy issues.

If You Don’t Have This Information

If unsure:

• Check HR Records: Review background checks.
• Average Approach: Most staff have clean records (“No”).
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Disclose all issues to avoid surprises.
• Medspas/IV clinics: Background checks are standard.

36. The Details of Employee Disciplinary Actions, License Issues, or Criminal Convictions

Purpose

Provides details on staff issues to assess their impact (appears if “Yes” to disciplinary actions).

Information Required

Describe the issues, including who, what, and when.

• Format: Brief description (e.g., RN license suspended 2022, reinstated 2023).
• Example: Physician reprimanded 2021, resolved.
• Note: Be specific but concise.

If You Don’t Have This Information

If unsure:

• Check Records: Review HR or licensing board data.
• Estimate: Note “Details pending” if incomplete.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Provide full details to avoid coverage issues.
• Medspas/IV clinics: Disclose resolved issues too.

37. Do You Administer Anesthesia?

Purpose

Identifies anesthesia use, a high-risk activity.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” if any anesthesia is used.

If You Don’t Have This Information

If unsure:

• Check Protocols: Review procedure guidelines.
• Average Approach: Medspas: Often “Yes” for surgery; IV clinics: Usually “No.”
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include all anesthesia types.
• Medspas: Common for cosmetic surgery.
• IV clinics: Rarely use anesthesia.

38. Type of Anesthesia Administered

Purpose

Details anesthesia types to assess risk levels (appears if “Yes” to anesthesia).

Information Required

Select all applicable types: Local, Conscious Sedation, General.

• Format: Check boxes (e.g., Local, Conscious Sedation).
• Example: Local and Conscious Sedation.
• Note: General anesthesia is highest risk.

If You Don’t Have This Information

If unsure:

• Check Protocols: Review surgical records.
• Average Approach: Medspas: Local and sedation common; IV clinics: Rarely applicable.
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Be specific to ensure proper coverage.
• Medspas: Local for injectables, sedation for surgery.
• IV clinics: Rarely use anesthesia.

39. Do You Prescribe or Dispense Opioids?

Purpose

Identifies opioid use, a high-risk activity.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Be honest due to regulatory scrutiny.

If You Don’t Have This Information

If unsure:

• Check Records: Review prescription logs.
• Average Approach: Medspas/IV clinics: Often “No” or minimal use.
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Disclose all opioid use.
• Medspas/IV clinics: Opioids are rare.

40. Do You Follow CDC Guidelines for Opioid Prescriptions?

Purpose

Confirms compliance with opioid regulations (appears if “Yes” to opioids).

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: “Yes” is expected for compliance.

If You Don’t Have This Information

If unsure:

• Check Protocols: Review prescribing policies.
• Average Approach: Most comply (“Yes”).
• Contact Westwood: Call 855-351-7487 for guidance.

Tips for Accuracy

• Confirm compliance to avoid scrutiny.
• Medspas/IV clinics: Follow CDC guidelines if applicable.

41. What Percentage of Your Practice Is Opioid-Related?

Purpose

Quantifies opioid use to assess risk (appears if “Yes” to opioids).

Information Required

Enter the percentage of practice involving opioids.

• Format: Percentage (e.g., 90%).
• Example: 5%.
• Note: Lower percentages reduce risk.

If You Don’t Have This Information

If unsure:

• Check Records: Review prescription data.
• Average Approach: Typically 0–5% for medspas/IV clinics.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Estimate conservatively to minimize risk.
• Medspas/IV clinics: Opioids are minimal.

42. Do You Perform Off-Site Procedures?

Purpose

Identifies off-site activities, which increase risk.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Answer “Yes” for mobile or event-based services.

If You Don’t Have This Information

If unsure:

• Check Operations: Review event or mobile service logs.
• Average Approach: Common for medspas (“Yes”); less so for IV clinics.
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Include all off-site activities.
• Medspas: Botox parties are common.
• IV clinics: Mobile IV services are typical.

43. Off-Site Procedures Performed

Purpose

Details off-site procedures to assess their risk (appears if “Yes” to off-site procedures).

Information Required

Describe off-site procedures and locations.

• Format: Description (e.g., Mobile IV drips at gyms).
• Example: Botox injections at private events.
• Note: Be specific about procedures and sites.

If You Don’t Have This Information

If unsure:

• Check Records: Review event contracts or logs.
• Estimate: List known activities and note “TBD.”
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Include all off-site procedures.
• Medspas: List event-based treatments.
• IV clinics: Note mobile IV locations.

44. Do You Currently Have Insurance?

Purpose

Confirms existing coverage, indicating risk management history.

Information Required

Select Yes or No.

• Format: Yes/No.
• Example: Yes.
• Note: Most medspas/IV clinics have insurance.

If You Don’t Have This Information

If unsure:

• Check Records: Review insurance policies.
• Average Approach: ~90% have insurance (“Yes”).
• Contact Westwood: Call 855-351-7487 for clarification.

Tips for Accuracy

• Confirm current coverage status.
• Medspas/IV clinics: Insurance is standard.

45. What Insurance Do You Currently Have?

Purpose

Details existing coverage to assess gaps (appears if “Yes” to insurance).

Information Required

Select all applicable types: Professional Liability, Employee Benefits, Workers Compensation, Other.

• Format: Check boxes (e.g., Professional Liability, Workers Compensation).
• Example: Professional Liability and General Liability.
• Note: Most have professional and general liability.

If You Don’t Have This Information

If unsure:

• Check Policies: Review insurance documents.
• Average Approach: Common: Professional Liability, General Liability.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Include all active policies.
• Medspas/IV clinics: Professional liability is key.

46. Current Insurance – Other

Purpose

Describes additional insurance types (appears if “Other” selected).

Information Required

Specify other insurance types.

• Format: Description (e.g., Cyber Liability).
• Example: Property Insurance.
• Note: Be specific to assess coverage needs.

If You Don’t Have This Information

If unsure:

• Check Policies: Review insurance documents.
• Estimate: Note “None” if no other types.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• List all unique policies.
• Medspas/IV clinics: Cyber or property insurance may apply.

47. Current Insurance Provider

Purpose

Identifies your insurer to evaluate coverage history (appears if “Yes” to insurance).

Information Required

Enter the name of your insurance provider.

• Format: Provider name (e.g., Hiscox).
• Example: CNA Insurance.
• Note: Be accurate for continuity.

If You Don’t Have This Information

If unsure:

• Check Policies: Review insurance documents.
• Estimate: Note “Unknown” if unclear.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Verify the provider’s name.
• Medspas/IV clinics: Common providers include Hiscox, CNA.

48. Professional Liability Deductible

Purpose

Assesses your financial responsibility for claims (appears if “Professional Liability” selected).

Information Required

Enter the deductible amount.

• Format: Dollar amount (e.g., $2,500).
• Example: $5,000.
• Note: Typical range: $1,000–$10,000.

If You Don’t Have This Information

If unsure:

• Check Policy: Review insurance documents.
• Average Approach: Common: $2,500–$5,000 for medspas/IV clinics.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Confirm the exact amount.
• Medspas/IV clinics: Lower deductibles are common.

49. Professional Liability Retroactive Date

Purpose

Determines the start of coverage for prior acts (appears if “Professional Liability” selected).

Information Required

Enter the retroactive date.

• Format: YYYY-MM-DD (e.g., 2020-08-29).
• Example: 2018-01-01.
• Note: Often matches policy start date.

If You Don’t Have This Information

If unsure:

• Check Policy: Review insurance documents.
• Average Approach: Typically 3–5 years prior (e.g., 2020 for 2025).
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Verify the date to ensure prior acts coverage.
• Medspas/IV clinics: Check policy inception.

50. Professional Liability Per Claim Limit

Purpose

Indicates coverage per claim, affecting risk capacity (appears if “Professional Liability” selected).

Information Required

Enter the per-claim limit.

• Format: Dollar amount (e.g., $1,000,000).
• Example: $1,000,000.
• Note: Common limit: $1M.

If You Don’t Have This Information

If unsure:

• Check Policy: Review insurance documents.
• Average Approach: Standard: $1M for medspas/IV clinics.
• Contact Westwood: Call 855-351-7487 for help.

Tips for Accuracy

• Confirm the exact limit.
• Medspas/IV clinics: $1M is typical.

51. Professional Liability Aggregate Limit

Purpose

Indicates total coverage for all claims, affecting risk capacity (appears if “Professional Liability” selected).

Information Required

Enter the aggregate limit.

• Format