Haven’t you LEARNED ANYTHING HERE? A doctor who does NOT do any laser hair removal is merely looking for EXTRA INCOME. If they allow their name to be used to get patients it is a “marketing PLOY” to make patients believe they are getting a doctor who will do the work but this is NOT TRUE. If the doc lets his/her name be used this way he/she is ultimately liable FOR THE WORK OF THOSE WHO USE HIS/HER NAME. The one with the highest training is the one who gets sued. Lawyers like this because docs are insured with BIG policies. The “technician” is not licensed to do surgery but the doc is, unless your state issues licenses to laser operators. Lasers are SURGERY because FDA definition of surgery is… “any procedure that alters the structure and/or function of tissue is surgery.” FDA regulations state, “lasers are a prescription device that can not be sold to or operated by anyone other than those licensed to use them within the state where they practice.”
This means, since there already exists a FEDERAL REGULATION regarding use of lasers for hair removal and other procedures on the skin, and ALL MALPRACTICE INSURANCE POLICIES INCLUDE WORDING THAT STATES (to paraphrase them), “if ANY STATE, COUNTY, OR LOCAL LAWS DO NOT ISSUE LICENSES TO OPERATE LASERS”. they are EXCLUDED from coverage.
IN ADDITION, my agent was MARINE INSURANCE selling FIREMANS’ FUND BEAUTICIANS PROFESSIONAL LIABILITY COVERAGE (possibly the largest coverer of this type of insurance). The last page on the inside cover of the policy states, EXCLUSIONS: “this policy does not cover bodily injury or property damage arising out of the removal or attempted removal of hair by x-rays, laser or other ionizing technique: and/or, the removal or attempted removal of hair by any photocoagulation technique.”(photo method means ANY MODALITY THAT USES ENERGY FROM ALL LIGHT METHODS (flash lamps etc.) This specifically eliminates laser no matter what the state allows unless there is a license to do this. "THIS MEANS ALL ELECTROLOGISTS AND ALLIED HEALTH PROFESSIONALS WITH PROFESSIONAL MALPRACTICE INSURANCE FOR THEIR PREVIOUS PROCEDURES ARE NOT LICENSED TO USE LASERS, CONSEQUENTLY, THEIR MALPRACTICE INSURANCE DOES NOT COVER USE OF LASERS. ALL COMPANIES USE SIMILAR WORDING. There are numerous other exclusions, however, I did not perform any of them. Insurance companies NEVER LOSE. We do.
NUMEROUS LASER OPERATORS HAVE BEEN SUED BUT NO LAWYER IS WILLING TO TAKE THE CASE AS IT IS A LOSER. INSURANCE COMPANIES REFUSE TO ISSUE THIS TYPE OF POLICY BECAUSE THE AMOUNTS ARE LARGE AND INCREASING, CONSEQUENTLY, THEY ARE FINDING IT TOO EXPENSIVE TO DEFEND. THEY DO NOT LIKE TO TAKE RISKS. THEY COVER OUR RISKS BUT NOT IF IT COULD POSSIBLY COST THEM MONEY.
CHECK YOUR POLICY…PLEASE . CYA (COVER YOUR A_S). Good luck.