Beauty, Cosmetic & Aesthetics Insurance
Insurance provider for Aesthetics, Beauty & Cosmetic practitioners.
Protecting the future of your beauty business starts here. Safeguarding your work is essential in an industry as dynamic as aesthetics. SJL Insurance Services offers comprehensive beauty and aesthetics insurance tailored to meet the unique needs of professionals across the UK.
From covering treatments to ensuring your business operations run smoothly, we provide solutions that give you confidence as you grow. This page explores our specialised insurance options, including coverage for liability, equipment, and treatment risks, highlighting why these protections are vital for your success.
Count on SJL Insurance Services for customised policies that keep your business thriving.
- 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?
Beauty and aesthetic professionals face unique risks in their work. Treatments like cosmetic procedures or skincare applications carry the potential for client injuries, allergic reactions, or even accidental property damage. These risks can lead to unexpected costs and challenges for professionals in the industry. Comprehensive cosmetic insurance protects against financial losses from claims while safeguarding your reputation. It offers peace of mind, enabling professionals to focus on their craft, knowing they are covered should an issue arise. Securing tailored insurance ensures you can handle the demands of your profession with confidence and security.
IS BEAUTY, COSMETIC & AESTHETICS INSURANCE A LEGAL REQUIREMENT?
If you employ staff, Employer’s Liability Insurance is a legal requirement. While other business insurance isn’t mandatory, it’s highly recommended—especially in the beauty, cosmetic, and aesthetic industry, where risks linked to procedures and products are more complex.
Protect your business and reputation from claims of negligence, physical harm, illness, or injury by having the right insurance in place.
WHO IS ELIGIBLE FOR AESTHETICS, BEAUTY & 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.
WHAT IS COVERED IN AESTHETICS, BEAUTY & COSMETIC INSURANCE?
As a specialist insurance broker, SJL Insurance Services offers access to a wide range of flexible insurance options tailored to your business. We can build a policy based on your coverage level and specific treatment types.
Businesses in the aesthetics, beauty, and cosmetic industry face daily risks—from client treatments to data, equipment, and staff. That’s why having the right insurance is essential.
Aesthetics, Beauty & Cosmetic Insurance can include:
- Professional Indemnity & Treatment Cover
- Public/General Liability
- Product Liability
- Breach of Confidentiality
- Cyber & Data Breach Protection
- Reputational Harm Cover
- Business Interruption
- Personal Accident
- Contents Insurance
- Medical Malpractice Insurance
Types of Aesthetics Insurance Claims
Aesthetics insurance is essential for protecting practitioners from a wide range of claims in the cosmetic and beauty industry. Common claim types include:
Medical Malpractice – Covers errors in treatment or negligence causing client harm.
Professional Indemnity – Protects against claims of incorrect advice or poor service.
Public Liability – Covers injuries or property damage occurring on your premises.
Product Liability – Protects against harm caused by treatment-related products.
Breach of Confidentiality – Covers accidental disclosure of sensitive client data.
Comprehensive aesthetics insurance cover safeguards professionals from legal, financial, and reputational risks, ensuring peace of mind and long-term business protection.
Benefits of Aesthetics Insurance
Tailored insurance brings peace of mind and financial security to professionals in the beauty industry. By customising policies to fit the specific needs of salon owners, beauticians, and aesthetic practitioners, we ensure that every individual and business is properly protected. With the right coverage, professionals can focus on delivering exceptional services to their clients without fear of unexpected incidents disrupting their livelihoods. Comprehensive coverage for the beauty industry acts as a safety net, empowering beauty and aesthetics businesses to build trust and thrive in their competitive industry. Take a closer look at the benefits of comprehensive coverage:
- Financial Protection from Claims – Comprehensive beauty therapists’ insurance shields practitioners from the significant costs of defending claims, such as public liability or treatment-specific risks. This ensures businesses are safeguarded against financial losses that could jeopardise their stability.
- Legal Support for Defence Costs—Policies often cover legal expenses related to court cases and other proceedings, giving salon owners peace of mind when navigating complex legal situations. This allows salon owners to keep operations running even during challenging times.
- Coverage for Errors and Negligence – Our insurance protects against mistakes in treatments or advice that may lead to client claims. This coverage helps beauty professionals confidently handle unexpected errors, knowing they’re supported if something goes wrong.
- Support for Settlements and Compensation—Tailored insurance assists with the costs of compensating clients in the rare event a claim is successful. This minimises financial strain while ensuring affected individuals receive fair resolutions.
WHAT TREATMENTS AND PROCEDURES ARE COVERED IN COSMETIC, BEAUTY AND AESTHETICS INSURANCE?
As modern medicine and cosmetic procedures continue to evolve, SJL Insurance Services stays ahead of industry trends to ensure you’re always properly covered. Working in the beauty, cosmetic, and aesthetics sector means offering a wide range of treatments—each with its own level of risk and insurance requirements.
Our Aesthetics Insurance offers comprehensive protection tailored to practitioners, clinics, and surgeons, helping to safeguard your business against claims and complications. Additional coverage for other procedures is also available on request.
Some of the treatments and procedures commonly covered under our Beauty, Cosmetic & Aesthetics Insurance include:
- All traditional, general, and standard beauty treatments
- Semi-permanent make-up
- Microblading
- Laser/IPL
- Micro-needling
- Derma rollers
- Dermaplaning
- Derma Pen
- Injectable Treatments
- Microdermabrasion & Hydradermabrasion
- Non–invasive laser body contouring
- Laser (Non-Ablative)
- Tattoo Lightening
- Tattoo Removal
- Advanced Dermal Fillers
- Aqualyx / Fat-dissolving mesotherapy injections
- Botulinum Toxin (Botox)
If you’d like to find out more about coverage for specific procedures or need help tailoring a policy to your treatments, get in touch with our expert team today.
WHY CHOOSE SJL INSURANCE SERVICES FOR COSMETIC, BEAUTY AND AESTHETICS INSURANCE?
SJL Insurance Services is a leading insurance broker with extensive experience in providing tailored business insurance solutions. As a broker, we have access to a wide range of insurers, allowing us to offer flexible policies designed to meet your specific needs.
We proudly partner with some of the top aesthetic, beauty, and cosmetic training academies in the UK, giving us deep insight into the unique risks practitioners face. Our comprehensive aesthetics insurance is designed for professionals at all stages—from mobile and home-based therapists to salon and clinic owners.
We understand your treatments and qualifications grow over time, which is why we help adapt your policy to reflect your evolving services. Our long-standing relationships with insurers have enabled us to develop specialist products for the rapidly expanding cosmetic and aesthetics industry.
Backed by expert risk management, fast claims support, and exceptional customer service, SJL Insurance Services delivers complete protection and peace of mind – so you can focus on your business with confidence.
HOW MUCH DOES AESTHETICS INSURANCE COST?
The cost of Aesthetics, Beauty & Cosmetic Insurance depends on your treatments, business type, and required cover. At SJL Insurance Services, we create bespoke insurance policies tailored to your specific needs – whether you’re mobile, home-based, or run a clinic.
Pricing reflects the comprehensive coverage needed to protect against industry risks like client claims, treatment issues, and data breaches—ensuring practitioners and aesthetic surgeons are well protected.
Request a free, no-obligation quote today to see how much cover will cost your business.
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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