As with any business, there’s always scope for something to go wrong. But aesthetics businesses and advanced beauticians do offer high risk treatments. Therefore, we advise that you have adequate insurance to protect yourself, your clients and your business.
Cosmetic Insurance for Aesthetic Practitioners
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Smei: Why Choose Us?
Because we’re an insurance broker, we have access to a panel of insurers and specialist providers. We can search the market for you so you can choose the cover that best suits your needs and protects your business.
As an aesthetics practitioner, whether medically or non-medically qualified, we understand you will be skilled at delivering a range of cosmetic treatments. From anti-wrinkle treatments and pigment removal, to lip enhancements and skin rejuvenation, helping your clients look and feel amazing can be incredibly rewarding.
However, the treatments you offer also present risks to you, your clients and your business. It's essential to have insurance for aesthetics that protects you and helps to give your clients peace of mind.
Speak to our team of experts in aesthetics insurance for a free, no obligation quote.
You Could Save Over 35% With Us*
List of Covers and Features
Standard covers**
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Policies include up to £5 million for public and product liability.
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Product liability.
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Professional liability.
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Treatment liability.
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Employers liability insurance.
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Flexible payments options.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional covers**
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Business premises and equipment.
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Business interruption.
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Breach of professional confidentiality.
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Libel and slander.
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Cyber insurance.
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Personal accident.
Aesthetics treatments we can insure
We specialise in arranging aesthetics insurance policies that cover the specific risks you face. Providing peace of mind, so you can pamper your clients with confidence, backed by the right insurance protection.
Our policies range from Tiers 1 to 4 to cover a large range of treatments.
Under Tier 3, premiums start from £371.40*** for £1 million treatment liability which would also cover Tier 1 and 2 treatments along with anti-wrinkle injections, dermal fillers, body sculpting, mesotherapy, body piercing and vitamin injections.
Under Tier 4, premiums start from £573*** for £1 million treatment liability which would cover all treatments under Tier 1, 2 and 3 along with IPL, laser hair removal, laser skin resurfacing and laser tattoo removal.
Most general beauty treatments are covered as well as:
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Anti-wrinkle treatments.
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BBL photo rejuvenation.
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Body sculpting.
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Dermal fillers.
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Dermaplaning.
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Electrolysis.
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Laser hair removal.
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Laser skin resurfacing.
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Laser tattoo removal.
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Levulan Photodynamic Therapy.
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Microblading.
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Permanent makeup.
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Piercing.
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Refirme.
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Semi-permanent make-up.
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Sculptra Aesthetics.
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Soft Tissue fillers.
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Ultrasound and radiotherapy overview.
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Ultrasound body beauty clinic.
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Vampire face lift.
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Vampire facial.
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Electrolysis - Galvanic / Short wave and blend.
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Hyfrecator for epilation.
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Manual upper layer benign skin lesion removal.
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Piercing - stud gun method.
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Thermolysis.
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Vavelta.
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Vitamin injection.
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IPL (Intense Pulsed Light).
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Fibroblasting/Plasma Pen.
If you cannot find the treatment you need insurance for in the list above, please contact our team of experts for further assistance.
* Click here to view our pricing disclaimer.
** Standard and optional cover may depend on insurer.
*** Premiums stated are available via our scheme provider. Correct as of February 2026. Premiums may vary if you select a quotation from another insurer on our panel.
Frequently Asked Questions
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Even the most skilled practitioner can experience a momentary blip in concentration or slip of the hand. Treatment and aesthetics professional indemnity insurance can provide protection should you face a claim for malpractice or negligence. For example, a reaction to a treatment or an infection from a beauty treatment. This essential insurance could cover compensation claims and any associated legal costs defending your claim.
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Our customers have access to a specialist scheme that’s tailored to the needs of the industry at a competitive price. We can also provide quotes from other providers so that you can compare the options.
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Yes, we have options for both medics and non-medic aesthetic practitioners. You’ll need to discuss the treatments you offer as well as your qualifications and experience with your broker and they will find a policy to suit your needs.
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You’ll need to have accredited training certificates for all of the treatments you offer. You’ll also need to be able to prove that you have NVQ level 3 or equivalent training certificates from a UK-accredited training provider. This is particularly important if you offer injectable treatments and have at least 6 months post-qualification advanced beauty experience.
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Yes, we have options for both mobile and salon based aesthetic practitioners.
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This really depends on your business and the treatments you offer. It’s worth ensuring you have enough cover for the worst case scenario so that you’re not exposed to treatment risk claims.
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There are a number of business insurance covers that aesthetics practitioners should consider. The most common are employers liability insurance, professional indemnity insurance, public and product liability insurance. Your broker will help you select the right covers for your business.
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