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
As an aesthetics practitioner – either medically or non-medically qualified – we know you're highly 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.
Key Features and Benefits
- Specialist scheme product with competitive pricing.
- Flexible policies to suit your requirements.
- Policies include up to £5 million for public and product liability.
- A tailor made policy to suit your requirements.
- Simple treatment disclosure forms.
- Tiers 1 to 4 available to cover a large range of treatments.
- Carefully selected panel of leading insurers.
You Could Save Over 30%*
Contact our team to receive a no obligation, instant quote today.
What's Insured?
With the right professional insurance, you can relax and pamper your clients with confidence, safe in the knowledge that our aesthetic insurance cover includes:
- Breach of professional confidentiality.
- Employers liability insurance.
- Libel and slander.
- Product liability.
- Professional liability.
- Public and general liability.
- Under Tier 3, premiums start from £371.40* for £1million 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 £563* for £1million 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.
To view a list of treatments listed as tier 1 and 2, please visit our beauty therapist page.
*Please click here to view our pricing disclaimer.Premiums stated are available via our scheme provider. Correct as of September 2024. Premiums may vary if you select a quotation from another insurer on our panel. £31 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Aesthetic Treatments we can Cover
Most general beauty treatments are covered as well as:
| BBL photo rejuvenation. | Laser tattoo removal. | Ultrasound and radiotherapy overview. |
| Bioidentical hormones. | Levulan Photodynamic Therapy. | Ultrasound body beauty clinic. |
| Body sculpting. | Mesotherapy. |
Vampire face lift. |
| Cold laser therapy. | Microblading. | Vampire facial. |
| CoolSculpting. | Permanent makeup. | Vitamin B12. |
| Cryolipolysis. | Piercing. | Electrolysis - Galvanic / Short wave and blend. |
| Dermal fillers. | PRP. | Hyfrecator for epilation. |
| Dermaplaning. | Refirme. | IV Infusion Therapy. |
| Electrolysis. | Semi-permanent make-up. | Manual upper layer benign skin lesion removal. |
| HCG. | Sclerotherapy. | Piercing - stud gun method. |
| HGH. | Sculptra Aesthetics. | Thermavein. |
| Hormone Replacement Therapy. | Smooth Shape. | Thermolysis. |
| Human growth hormone. | Soft Tissue fillers. | Vavelta. |
| Kybella. | Thermage RF. | Vitamin injection. |
| Laser hair removal. | Thermi RF. | IPL. |
| Laser procedure. | Ultherapy. | Fibroblasting/Plasma Pen. |
| Laser skin resurfacing. | Ultra-Shape. |
Additional Types of Beauty Business Insurance to Consider
Business equipment
Aesthetic practitioners rely on their equipment to do their jobs. Imagine the impact on your business if it was damaged or stolen, leaving you unable to work.
Business interruption
Adding this cover to your policy covers you for additional expenses or loss of profit if you are unable to trade as a result of an insured event.
Not sure what insurance you need?
We can also arrange specialist beauty insurance products and general beauty insurance. If you're unsure as to what you need, get in touch.
Aesthetics Insurance FAQs
A
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.
A
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.
A
A
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.
A
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.
A
Yes, we have options for both mobile and salon based aesthetic practitioners.
A
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.
A
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.
Read our Latest Related Articles
Quotes from well-known and specialist insurers, including:
You Could Save Over 30%*