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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Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or dishonesty
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.
There’s always scope for things to go wrong during cosmetic procedures. An accidental slip here or an allergic reaction there can put you firmly in the frame. And an expensive frame, at that.
If someone thinks they’re owed compensation, it’s the name above the door they’ll go after. That means, if they were treated at your clinic, it’s you they’ll claim against – no matter if it was one of your aesthetic nurses who did the actual work.
Aesthetics practitioners who work either solo visiting people at home or freelance within a bigger practice are equally at risk. They bear individual responsibility for their work, so will need their own cover to stay protected.
Your training and experience are no guarantee of success. You’re confident and conscientious, of course. But sometimes even the best laid plans, executed by the steadiest of hands, can go awry.
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.
As a bare minimum, we’d say you shouldn’t practise without:
Adding some clinic cover is a good idea, to protect the equipment you use and the place you use it. You might want to bolt on business interruption insurance, to help you carry on trading following a surprise event like a fire or flood.
Meanwhile cyber insurance is an advisable option for any business that runs its own website, uses email or stores customer details electronically.
As far as treatment and professional liability insurance goes, if a client you’ve treated isn’t happy with what you’ve done, they can claim against you for malpractice and negligence. Two things (among others) covered by your aesthetics insurance.
Malpractice claims usually involve allegations of bodily injury, illness or death caused by your treatments. If that happens, you’ll need a solicitor to defend you and deep pockets to pay any compensation if you’re at fault. Aesthetics insurance covers it, meaning you don’t have to spend time or money away from running your business.
Negligence claims are based around someone saying you haven’t done your job properly, and go hand-in-hand with malpractice claims. Again, you’ll need lots of time, money and legal know-how to deal with one. And again, your aesthetics insurance covers it.
Also covered are claims for things such as breaching someone’s confidential information and being party to spreading a computer virus.
Cover for the things that could go wrong is a must in your line of work. That’s because, however unintended, bodily damage to a client can cost you £thousands.
You can buy £250,000 worth of treatment and professional liability cover from £34 a month. But before you settle on an amount, think carefully about the risk factor for the particular treatments you offer. Also, the worst mistake you could make and just how much you might have to pay in legal fees and compensation.
Then there’s your equipment and premises. A little more than £3 a month buys you £5,000 in cover. However, you need to add up the value of all your kit to make sure you’re not left out of pocket if it’s damaged or stolen. Neither do you want to be underinsured, which can reduce the value of a claim.
Public liability insurance comes in at £5.60 a month for £1 million worth of cover for slips, trips, falls and other mishaps.
Aesthetics is a serious business that can have serious consequences if things go wrong. That means practitioners absolutely need to know what they’re doing.
They require a level of expertise that allows them both to make good judgements and to carry out procedures skilfully and safely. That makes in-depth knowledge and experience prerequisites for the job.
For that reason, depending on your qualifications and level of experience, there’s two ways to buy your insurance: either directly online or by talking to our friendly team.
If you’re a qualified medical practitioner with up-to-date registration, you can go ahead and buy your insurance online. That includes surgeons, doctors, registered nurses, pharmacists, paramedics, dentists, dental therapists and dental hygienists.
If you’re a aesthetician with at least six months’ experience and a minimum NVQ Level 3 beauty qualification, we can still help, but we’ll need a chat first. So please ring the team on 0345 561 0320.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.