Aesthetics insurance

Aesthetics insurance is designed to cover professional aestheticians during the course of their work. It includes elements of liability insurance related to treatments you provide and can cover aspects of your business and equipment too.

Here are just some of the covers we can provide:

• Malpractice (treatment risk)

• Professional Indemnity

• Buildings, contents and stock

• Public liability

• Products liability

• Employers’ liability

• Business interruption

If you have employees, it is a legal requirement for you to have employers' liability insurance in place at the very least. Legally, you are not required to have any other form of insurance in place, however, it is certainly recommended.

In the JCCP’s response to the Governments first public consultation to enforce statutory regulation of non-surgical aesthetics practice in England, The JCCP are recommending that appropriate indemnity insurance cover is in force.  Cover for aestheticians can provide a safety net to protect you and your business from the financial burden of a claim against you.

Retroactive cover is coverage for services undertaken prior to your policy start date. We will provide retroactive cover for your aesthetics work as long as you have had continuous insurance with no breaks in cover and are not aware of any incidents that have given or may give rise to a claim.

We can cover aestheticians who work from home, from business premises, from a client’s home, at an event and many other scenarios. Speak with our team if you feel unsure about whether the policy covers your location.

There are two main parts to be aware of when buying aestheticians’ liability insurance; Medical Malpractice and Public Liability. We’ll explain both of these in a little more detail below.

Public liability protects you from claims which arise through negligence on your part during the course of your work. For example, you may have left cables in a hazardous location where someone might trip; if a member of public injures themselves or has the property damaged because of this, they may try to claim damages from you. This insurance would cover your legal defence along with their compensation should they win the case.

Medical Malpractice provides indemnity should a treatment go wrong and your client pursued you for damages caused to them.  It ensures that if a client took you to court, your legal costs and awards claimed by the client are covered up to £1 million for a non medic and £5million for a medic. We do require you to carry out treatments as the manufacturer has advised for this aspect of the cover to be valid.

It’s not a legal requirement to insure a salon unless you have employees but it is certainly recommended to have cover in place. You can find out more about salon insurance from our dedicated page.

You must hold the following;

• Accredited training certificates for the non-injectable treatments you wish to perform.

• UK-accredited training certificates for the injectable treatments you wish to perform and NVQ level 3 or equivalent* beauty qualification with more than 6 months post-qualification advanced beauty** experience.

  Or

• UK Accredited training certificates for the injectable treatments you wish to perform and completed a L3 Matrix or Access Course

*Equivalent Level 3 NVQ would be VTCT Diploma, A & P Level 3, NARIC translated, City and Guilds

**Advanced beauty includes any treatments which penetrate the skin.

We can provide cover for case studies but until you are fully qualified we could not arrange cover for you to work unsupervised.

Applicable terms and conditions are available on request. Please read your policy document for full details.

Yes we can arrange a policy to include you and your colleagues performing treatments under one policy? We will need to know the training and experience of each practitioner.

Yes as long as you have 12 months experience in performing the treatments and a teaching qualification, we can include training others on to your policy.

Yes you can. The policy can include most treatments, which means that you do not need to have separate policies. If you need to add additional treatments, please email us at aesthetics @towergate.co.uk and we can arrange for them to be added.

Yes there is a £25 policy charge for amendments. To keep costs to a minimum please ensure that you provide us with the correct information and details of all of the treatments that you need cover for at the outset of us arranging the insurance for you.

Yes we can, just get in touch and we will let you know all the information we will need to get you a quotation.

Yes we can, just get in touch and we will let you know the information we need to obtain a quotation.

If for any reason you want to cancel your policy, we will need 30 days notice. If you have paid by monthly instalments there may be a shortfall in the payments that you have made to the pro-rata premium due.

We may need to collect this from you directly.As per our terms of business we also retain any commission for the policy once cancelled. If a policy is cancelled or lapsed cover ceases for any claims that may occur for services that you have provided in the past.

A Claims Made policy provides coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful act that gave rise to the claim took place. (The one exception is when a retroactive date is applicable to a claims-made policy. If a policy is cancelled or lapsed cover ceases for any claims that may occur for services that you have provided in the past.

A retroactive date excludes cover for claims produced by wrongful acts that took place prior to a specified date, even if the claim is first made during the policy period. As such, the retroactive date of a policy is the date after which acts, errors or omissions of the insured are covered; any act, error or omission arising from services provided prior to the retroactive date will not be covered under the policy.

For example, a Medical Malpractice Indemnity policy with a term written from the 1st January 2020 to the 31st December 2020, and a retroactive date set at inception (1st January 2020), would exclude cover for claims resulting from wrongful acts that took place prior to 1st January 2020, even if the claim was made against the insured during the policy period.

It is really important that you notify us immediately that you become aware of any complaint, criticism, problem, act, error, omission which may result in a claim.

Failure to do so may affect your policy cover and the insurer could decline to indemnify you.