Aesthetics Insurance

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.

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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 £365* 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.

*Premiums stated are available via our scheme provider. Correct as of August 2023. Premiums may vary if you select a quotation from another insurer on our panel.

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.

BBL photo rejuvenation.
Chemical peels.
Cold laser therapy.
Cryolipolysis.
Dermal fillers.
Dermaplaning.
Electrolysis.
Electrolysis - Galvanic or Short wave and blend.
Fibroblasting or Plasma Pen.
Hyfrecator for epilation.
IPL.
IV Infusion Therapy.
Kybella.
Laser hair removal.
Laser procedure.
Laser skin resurfacing.
Laser tattoo removal.
Levulan Photodynamic Therapy.
Lipotropic injections.
Manual upper layer benign skin lesion removal.
Mesotherapy.
Microblading.
Permanent makeup.
Piercing.
Piercing - stud gun method.
Refirme.
Sclerotherapy.
Sculptra Aesthetics.
Semi-permanent makeup.
Smooth Shape.
Soft Tissue fillers.
Thermage RF.
Thermavein.
Thermi RF.
Thermolysis.
Ultherapy.
Ultra-Shape.
Ultrasound and radiotherapy overview.
Ultrasound body beauty clinic.
Vampire face lift.
Vampire facial.
Vavelta.
Vitamin B12.
Vitamin injection.

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.

Get in Touch

03308 281 673

Aesthetics Insurance FAQs

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.

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.

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.

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.

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.

Yes, we have options for both mobile and salon based aesthetic practitioners.

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.

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.