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Aesthetics insurance

Get a treatment wrong and the consequences will be more than cosmetic. A client suing you for malpractice and negligence will hurt your business. Protect it with insurance for aestheticians and cosmetics practitioners.

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Or speak to a friendly expert on 0345 561 0320

Treatment and Professional liability
from £34 a month for £250,000 cover

Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty

addPublic liability
£5.60 a month
£1,000,000 for physical damage and injuries caused by your business
addClinic cover
£3.27 a month
£5,000 to replace clinic equipment you use
Based on an annual income of up to £50,000. All prices include IPT at 12%.
Quote online for turnovers up to £250,000, or call and talk to an expert.
More than face value

Despite your best intentions, things don’t always go according to plan. An unhappy client claiming you’ve injured them or made a mistake spells expensive trouble. Not only are you potentially liable for any compensation but you’ll have legal bills to pay, too. And while you’re dealing with all that, who’s running your business?

Rescue your reputation, your bank balance and your stress levels with aesthetics insurance. It covers the costs of fighting your legal corner if there’s a claim against you, and covers any damages or compensation you have to pay if a case doesn’t go your way.

It’s protection that’s more than skin deep.




Why do you need aesthetics insurance?

Years of training and experience are, unfortunately, no guarantee of success. You’re confident and conscientious, of course, but there’s always the slim possibility something could go wrong.

If that happens, you’re in the kind of business that can’t hide its mistakes. And unhappy clients will be quick to point the finger.

Claims against you take time, know-how and money to deal with. Aesthetics insurance gives you all three.

Apart from providing details of what’s happened, you don’t have to get involved. You can get on with running your business, safe in the knowledge it’ll still be in one piece when it’s all over.

What aesthetics insurance do you need?

As a minimum, we’d say you shouldn’t do without:

Treatment and Professional liability insurance: covers bodily injury, illness or death caused by your business’s negligence when carrying out treatments. And breach of care, confidentiality, or dishonesty.

Public liability insurance: covers ‘slip and trip’ claims at your clinic, and physical damage claims against you if you go out to see clients.

You should also think about covering the equipment you use, and the place you use it. Business interruption insurance means you can still trade following a disaster, and cyber insurance is an absolute must for any business that runs its own website, uses email or stores customer details electronically.

What does aesthetics and cosmetics insurance cover?

If you do any of these things, you’re covered:

  • Aqualyx
  • Temporary dermal fillers
  • Carboxytherapy
  • Chemical peel (including TCA over 40% strength and Phenol)
  • Dental block
  • Hair transplants FUE & FUT
  • Hyaluronidase filling and filler reversal
  • Hyperhidrosis and platysmal bands
  • IV Infusion drips
  • Laser ablative
  • Macrolane to buttocks and thighs
  • Microneedling over 1.5mm
  • Non ablative laser
  • PDO Thread lift
  • Platelet Rich Plasma (PRP) to the face and neck
  • Removal of skin tags
  • Semi-permanent dermal fillers
  • Silhouette soft lift
  • Teeth whitening

If you can’t see what you do in this list, call us on 0345 561 0320 and we’ll see what other options we have for you.

Read what our customers say about us
Extremely helpful. Policy sorted in minutes Would definitely recommend
Linda,
Beauty & Complementary Therapies
13 November 2019
Easy to navigate the site and straight forward. I had a query and emailed them in the evening. The next day they replied to my email.
Mary Ann,
Masseur
25 October 2019
Good easily filled in form
David,
Complementary therapy
17 October 2019
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Amy Restall
Account Executive