Cosmetic injectables have the power to make your clients look and feel great. What’s not so great is if a treatment goes wrong and they sue you instead. Botox and dermal fillers insurance is there to protect you.
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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
By working your magic with Botox and dermal fillers, you help your clients present their best face to the world. And all without the nip and tuck.
But no matter how practised you are in your art, procedures don’t always go entirely to plan. A slip, an infection, or an unusual reaction can spell visible trouble.
If a client doesn’t like what they see after a treatment, they could make a claim against you for £thousands. That’s when you need the back-up of Botox and dermal fillers insurance.
It pays legal fees to handle a claim and fight your corner, and covers any compensation due. It’s a sticking plaster for your business if things go wrong.
Because people are unpredictable. Despite all your skill and experience, you could still make a mistake on a bad day. Likewise, a client could have an unexpected reaction to a procedure.
Redness, bruising, bleeding, and swelling are just some of the possible side-effects of Botox and dermal filler injections. But it’s the more serious complications like skin damage, infection and permanent scarring that can cause both you and your client real problems.
If the worst happens, and someone decides to make a claim against you, you’ll need deep pockets to cover it. Solicitors’ fees, court costs and lump sums for damages can leave you with a stack of hefty bills to pay.
A better option is to let your Botox and dermal fillers insurance take the strain. It covers all your legal costs and pays any compensation too – leaving you free to run your business.
Anyone working with Botox and dermal fillers, either as the name above a clinic door or as a freelance practitioner, should put treatment and professional liability insurance high up on their shopping list.
If a client’s unhappy with the results of their treatment, they could make a big claim for compensation. If that happens, your insurance covers you – whether it was you who made the mistake, or someone working for you.
So, if you’ve got a bank balance with enough noughts to cover a claim of, say, permanent scarring, all well and good. If not, Botox and dermal fillers insurance might just save your business.
£250,000 worth of cover for professional mistakes costs from £34 monthly. And since everyone can be accused of making mistakes, it’s back-up worth having. Especially when you consider the sheer number of no-win no-fee cosmetic procedures solicitors out there.
Deciding your level of cover means thinking about how many Botox and dermal fillers procedures you or your employees carry out, as more injections = more risk. You should also consider the worst thing that could go wrong, and how much that might cost you in legal fees and damages.
£5,000 in cover for your specialist equipment and the place you use it comes in at a little more than £3 a month. But you need enough cover to pay for the repair or replacement of all the things you use to do your job, or you could end up out of pocket. Worse still, you could be underinsured. So, tot it all up carefully.
Public liability cover, to take care of claims involving accidental trips, slips and other mishaps, starts at £5.60 a month for £1 million worth of cover.
Get it wrong when carrying out cosmetic procedures like Botox and dermal fillers injections and the results are there for everyone to see. It can be a traumatic event for all concerned.
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 beautician 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.
Because we already insure lots of aesthetics practitioners, so we know what we’re doing. And we only use trusted insurers, which means you get the cover that’s right for what you do.
We also make it easy. We have a simple online quote journey that means you can buy a policy in minutes. Or you can call us and speak to one of our friendly experts – without having to find your way past a phone menu.
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Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.