Beauty, Cosmetic & Aesthetics Insurance
Insurance provider for Aesthetics, Beauty & Cosmetic practitioners.
Aesthetics, Beauty, and Cosmetic Insurance offers essential protection for industry professionals, covering a variety of treatment types tailored to meet your unique needs. This insurance is crucial for businesses, providing security for both themselves and their clients against potential risks that may arise.
We pride ourselves on delivering exceptional customer service with an dedicated in-house claims team. Our comprehensive coverage and personalised approach ensure that your insurance needs are well-managed and in expert hands.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
Available Beauty, Cosmetics & Aesthetics Insurance Covers
In the dynamic world of aesthetics, having the right insurance cover is vital. This section highlights some of the key covers offered, including medical malpractice, employers liability & public liability cover.
These are designed to protect beauty therapists and aesthetic practitioners from various risks, ensuring peace of mind and limiting financial risk.
Medical Malpractice
Medical Malpractice Insurance provides cover for damages or claims expenses the Insured may be liable for because of physical injury, death, mental injury and illness, mental anguish, disease, disability, sickness and shock of a patient. When caused by the Insured’s negligent act, error or omission during the conduct of the Insured’s business at its facilities or as part of any Good Samaritan Act.
Medical Malpractice cover is required for a larger number of Healthcare and Medical practitioners, Medical malpractice insurance is a regulatory requirement, to protect against things such as misdiagnosis and malpractice, but also to protect the end client. Medical professionals have various options available to them, including policies from private insurers and risk retention groups.
Professional Indemnity
Cover in relation to any financial loss that may be caused to third parties as a result of a negligent act, error, or omission during the course of providing professional services. This includes, but is not limited to, situations where lack of due care, oversight, or failure to act appropriately in a professional capacity results in financial harm to individuals or organizations that are not directly involved in the transaction or agreement at hand.
Public Liability Insurance
Public liability insurance is designed to cover third-party injuries or property damage that may occur as a result of your business activities. This form of insurance serves as a crucial safety net, effectively shielding you from potentially devastating financial burdens. By having this protection in place, you can ensure peace of mind as you navigate the complexities of daily operations, knowing that you are safeguarded against unexpected accidents or product-related issues that could arise unexpectedly, potentially leading to costly legal claims and damages.
Product Liability Insurance
Cover for any claim arising out of bodily injury and/or property damage occurring during the policy period while providing your professional services and in relation to any products that you may have manufactured, offered or sold. This coverage is designed to protect against potential claims that could arise from incidents related to the the products you deliver, ensuring that you are safeguarded from financial repercussions that might result from unforeseen accidents or damages during the specified timeframe.
Employers' Liability Insurance
Employers’ liability insurance is a legal mandate, not merely an option, for aesthetic practices that have employees. This insurance covers legal costs and compensation payments for employee injuries sustained while working. Whether your staff are full-time, part-time, or volunteers, ensuring their safety and covering potential liabilities is a legal requirement.
Employers’ liability insurance not only covers legal costs and compensation but also underscores the importance of workplace safety, helping to ensure that all staff and volunteers operate in a secure environment.
Employers’ liability insurance also extends protection to volunteers, provided this section is included in the policy. By securing this coverage, counsellors can demonstrate their commitment to the well-being of their workforce, fostering a safe and supportive environment for all involved.
Contents Insurance
The contents of the premises that belong to your organisation or for which You are legally responsible must be carefully managed and protected in order to ensure their integrity and security. This includes all assets, materials, and resources that are housed within the premises.
Cyber Insurance
While it may not be the first thing you think of when you think of aesthetics insurance, Cyber insurance is increasingly important for aesthetic practitioners offering online services, to consider, as it helps to protect against risks linked to sensitive client data and the financial impact of data breaches.
Cyber insurance helps mitigate data breach damage by providing financial protection and customer notifications, which can be essential for maintaining client confidentiality and trust in an era of increasing cyber threats.
Professional Indemnity: Professional Indemnity Insurance refers to protection against incorrect or inadequate advice and services that you give. Unfortunately, any business can produce work resulting in both financial and reputational loss for their client and this is sometimes only uncovered long after the contract is completed. In this instance, your company can be held responsible which is when Professional Indemnity Insurance supports your business. At SJL Insurance Services, we provide insurance that can cover expenses, legal fees and pay outs incurred should an allegation be made against you by a client for providing an inadequate service.
Read more about Professional Indemnity Insurance
WHY DO I NEED INSURANCE FOR AESTHETICS, BEAUTY & COSMETICS?
Many aesthetics, beauty and cosmetic practices and treatments can be high-risk. With treatments and medicines constantly evolving. Therefore it is very important to ensure that you and your clients are covered should anything happen.
Consequently, having the correct cover could mean the difference between your business surviving should something happen. Insurance for your beauty, aesthetic or cosmetics business can help cover the costs incurred by the many risks you can be exposed to.
Aesthetics Insurance can help protect your business, employees and clients from incidents and risks such as fire, theft, accidents, legal costs incurred from claims of negligence and equipment breakdown.
IS BEAUTY, COSMETIC & AESTHETICS INSURANCE A LEGAL REQUIREMENT?
If you employ people as part of your business, then you are legally required to take out Employer’s Liability Insurance.
Although other insurance isn’t considered a legal requirement, it is strongly recommended that you purchase business insurance across any trade. In particular, businesses across the beauty, cosmetic and aesthetic industry are particularly vulnerable to complicated risks surrounding cosmetic procedures.
Therefore it is very important that you help protect your business and its reputation against possible claims of negligence, physical harm, illness or injury against your procedures or products.
WHO CAN TAKE OUT AESTHETICS iNSURANCE, BEAUTY iNSURANCE & COSMETIC INSURANCE?
A number of trades can take out Aesthetics, Beauty and Cosmetic Insurance cover. During an enquiry, the specialist team at SJL Insurance Services builds bespoke policies to work for your business. While depending on what it is you require and how your business works, this can include Professional Indemnity Insurance, Employer’s Liability, Product Liability, Cyber Insurance, Public liability and reputational harm.
Some of the businesses that should take out Aesthetics, Beauty and Cosmetic Insurance include the following:
Sole traders and individual practitioners
- Mobile & salon-based practitioners
- Aesthetics (non-licensed) practitioners
- Medical professionals
- Beauticians
- Tattoo artists (and removal)
- Hair salons
- Cosmetic clinics
- Tanning salons
Equally, if you’re not sure if Aesthetics, Beauty and Cosmetic Insurance is the correct insurance for your business, please contact one of our team members today for advice.
WHAT IS COVERED IN AESTHETICS, BEAUTY AND COSMETIC INSURANCE?
Because SJL Insurance Services is an insurance brokers, this means we have access to a large number of insurance services and can provide flexible cover to suit your individual business needs. Depending on the level of cover and type of business you run, we can build a policy to cover as much as you want.
Because aesthetic, beauty and cosmetic businesses can cover so many treatments and procedures, it is imperative that you have the correct insurance cover. While working in this industry, it also means that you are vulnerable to several high-risk situations on a daily basis across your property, clients, equipment, products, data and staff.
Thus to protect you against these many risks, Aesthetics, Beauty and Cosmetic Insurance can include the following:
- Professional indemnity & treatments
- Public/General Liability
- Products Liability
- Breach of professional confidentiality
- Cyber and data breach
- Reputational harm
- Business Interruption
- Personal Accident
- Contents insurance
- Medical Malpractice Insurance
Types of Aesthetics Insurance Claims
Aesthetics insurance is crucial for protecting practitioners in the aesthetics industry from various claims that may arise during their practice. Some common types of claims include:
Medical Malpractice Claims: These arise when a practitioner is alleged to have been negligent in their duties, resulting in patient harm. This can include errors in administering treatments or failing to meet the expected standard of care.
Professional Indemnity Claims: These involve allegations of providing inadequate or incorrect advice that leads to financial or reputational loss for the client.
Public Liability Claims: These occur when a client is injured on the premises or experiences property damage, leading to potential compensation claims against the practitioner.
Product Liability Claims: These claims arise when products used during treatments cause harm or injury to clients, necessitating coverage for legal accountability.
Breach of Confidentiality Claims: These involve unauthorized disclosure of client information, potentially causing emotional or psychological harm to the client.
Aesthetics insurance provides comprehensive coverage for these and other claims, ensuring that practitioners and clinics are well-protected from the financial and reputational damage that can result from such allegations.
Benefits of Aesthetics Insurance
Aesthetics insurance provides numerous benefits that are vital for practitioners in the beauty and cosmetic industry. These benefits include:
Comprehensive Financial Protection: Safeguarding practitioners from the financial burden associated with defending against various claims, including medical malpractice and public liability.
Legal Cost Coverage: Covering expenses related to court proceedings and other legal fees that may arise during the defense against claims.
Protection Against Allegations of Negligence or Errors: Ensuring practitioners are covered for a wide range of potential issues, including errors in treatment or advice that may lead to claims.
Coverage for Compensation and Settlements: Offering financial support for any compensation awarded to clients who successfully bring claims, helping to mitigate the financial impact.
Peace of Mind and Focus on Quality Care: Allowing practitioners to concentrate on delivering exceptional services without the constant worry of potential litigation.
By securing aesthetics insurance, practitioners can operate confidently, knowing they are protected from unexpected events that could otherwise jeopardise their business and reputation.
Types of Aesthetics Insurance Claims
Aesthetics insurance is crucial for protecting practitioners in the aesthetics industry from various claims that may arise during their practice. Some common types of claims include:
Medical Malpractice Claims: These arise when a practitioner is alleged to have been negligent in their duties, resulting in patient harm. This can include errors in administering treatments or failing to meet the expected standard of care.
Professional Indemnity Claims: These involve allegations of providing inadequate or incorrect advice that leads to financial or reputational loss for the client.
Public Liability Claims: These occur when a client is injured on the premises or experiences property damage, leading to potential compensation claims against the practitioner.
Product Liability Claims: These claims arise when products used during treatments cause harm or injury to clients, necessitating coverage for legal accountability.
Breach of Confidentiality Claims: These involve unauthorized disclosure of client information, potentially causing emotional or psychological harm to the client.
Aesthetics insurance provides comprehensive coverage for these and other claims, ensuring that practitioners and clinics are well-protected from the financial and reputational damage that can result from such allegations.
Benefits of Aesthetics Insurance
Aesthetics insurance provides numerous benefits that are vital for practitioners in the beauty and cosmetic industry. These benefits include:
Comprehensive Financial Protection: Safeguarding practitioners from the financial burden associated with defending against various claims, including medical malpractice and public liability.
Legal Cost Coverage: Covering expenses related to court proceedings and other legal fees that may arise during the defense against claims.
Protection Against Allegations of Negligence or Errors: Ensuring practitioners are covered for a wide range of potential issues, including errors in treatment or advice that may lead to claims.
Coverage for Compensation and Settlements: Offering financial support for any compensation awarded to clients who successfully bring claims, helping to mitigate the financial impact.
Peace of Mind and Focus on Quality Care: Allowing practitioners to concentrate on delivering exceptional services without the constant worry of potential litigation.
By securing aesthetics insurance, practitioners can operate confidently, knowing they are protected from unexpected events that could otherwise jeopardise their business and reputation.
WHAT TREATMENTS AND PROCEDURES ARE COVERED IN COSMETIC, BEAUTY AND AESTHETICS INSURANCE?
While modern medicine advances and new procedures develop, SJL Insurance Services stay on top of the latest updates and trends to ensure you’re always covered. While operating in the beauty business there are many possible treatments one could provide.
Specifically, some of the treatments and procedures that are covered within Beauty, Cosmetic and Aesthetics Insurance include the following:
All traditional, general and standard beauty treatments
Semi-permanent make-up
Microblading
Laser/IPL
Micro-needling
Derma rollers
Dermaplaning
Derma Pen
Injectable Treatments
Microdermabrasion and Hydradermabrasion
Non–invasive laser Body Contouring procedures
Laser (Non-Ablative)
Micro-needling
Tattoo Lightening
Tattoo Removal
Advanced Dermal Fillers
Aqualyx / fat dissolving mesotherapy injections
Botulinum Toxin (Botox)
Aesthetic insurance provides comprehensive coverage for these and other treatments, ensuring that practitioners and surgeons in the aesthetics industry are well-protected. Coverage for other aesthetic treatments and beauty therapist procedures are available on request
So if you’d like to know more about cover and what is best for specific treatments and procedures, please get in touch with our team.
WHY CHOOSE SJL INSURANCE SERVICES FOR COSMETIC, BEAUTY AND AESTHETICS INSURANCE?
SJL Insurance Services has years of experience in business insurance. SJL Insurance Services is an insurance broker, meaning we have access to an array of insurance services and options, chosen to work for you.
While working in partnership with some of the top aesthetics, beauty and cosmetic training academies in the UK, SJL Insurance Services understands that having the right protection in place for your business is paramount. This includes comprehensive aesthetics insurance, which provides extensive coverage and support for practitioners and surgeons in the aesthetics industry.
Regardless of whether you work from home, mobile or clinic/salon location, SJL Insurance Services can insure a vast range of treatments and get you protected quickly. Additionally, with our partnerships with several training academies, we also know that your skills and treatments on offer will increase over time, so we help build your policy to make sure you are always protected.
Our relationship with insurers for aesthetics insurance has grown over the years, developing products and services that match a rapidly growing beauty, cosmetics & aesthetics industry. Since the complexity of modern medicine brings risks of its own, not only do we strive to provide the best value for money, but our risk management service aims to understand your needs as an industry provider before we search the insurance market.
Furthermore, coupled with our exceptional customer service and first point of contact claims service, SJL Insurance Services can service new and existing clients with a holistic approach.
So come and find out more about SJL Insurance Services and why you should choose us for your business insurance needs.
HOW MUCH DOES cOSMETICS, BEAUTY AND AESTHETICS INSURANCE COST?
So, how much is Aesthetics Insurance? SJL Insurance Services build bespoke policies catered for your individual business needs. So if you would like to find out how much Aesthetic, Beauty and Cosmetic Insurance will cost your business, please request a free, no obligations aesthetics quote now.
The comprehensive coverage required by aesthetic insurance is crucial in determining the cost, as it ensures practitioners and surgeons are adequately protected against various risks.
Beauty, Cosmetic & Aesthetics Insurance FAQs
The NMC provides excellence guidance and standards for professionals to work to, however this does not extend to providing insurance. Insurance is something that sits alongside everything the NMC provides to ensure you work and are covered in the best possible way.
Absolutely, we offer aesthetics insurance for non-medics. Insurance policies can differ between medics and non-medics, but the key for sourcing insurance is understanding your training and or experience in the area in which you are working, something we discuss with our clients every day.
Unlike some insurance covers, cover for aesthetics professionals and treatments is not legally required. The financial risk is significant, however, so full insurance is strongly recommended to protect you and your business.
Of course. As a specialist broker in this market, we already work with and insure many training providers, including providing insurance to their graduates when they complete their course. Come speak to us about your options as a training academy.
Absolutely. We work with a select number of insurers in this area, and can offer as low as 0% interest on monthly payments dependent on each individuals circumstances. Monthly payments help to make an affordable insurance solution for you business.
Prices really do depend on individual requirements, training and experience. We insure hundreds of aesthetics practitioners already, so come speak to us for a policy and join your colleagues.
We try to make our policies as all-encompassing as possible, but if there is additional treatments you will be carrying out just let us know and we can add with insurers.
Definitely. Whilst a release form CAN help to limit your liability if something goes wrong, without insurance you are still exposed and could suffer from significant financial losses and even bankruptcy. Insurance is an absolute must.
We offer coverage for aesthetics work to be conducted at home, and clients homes. But this must be declared by the insured.
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