Can You Get Insurance for Mobile Aesthetics?

Because of these new challenges, having the right protection for your mobile aesthetics business is essential. Can you get insurance for mobile aesthetics? In this guide, we’ll explore the insurance options available and why it's essential to have the proper coverage.

The importance of insurance for mobile aesthetic practitioners

As with the running of any business, big or small, mobile aesthetics practitioners have their own set of challenges that need to be addressed and covered by insurance if the worst should happen. There’s always the need to adhere to the law, but you should also be looking at defending against a negligence claim or compensating a client for property damage.

When taking your business on the road, the threat of claims can increase because of uncontrolled environments. It’s usually easier to ensure your own clinic is following all rules associated with delivering aesthetic treatments, compared to being in someone else’s home or a temporary location, where you have less control. That’s where insurance comes in.

Types of insurance needed for mobile aesthetic practitioners

There are a whole range of insurance policies your mobile aesthetics business can invest in to keep you and your clients safe. To take out aesthetics insurance from Towergate, you must be NVQ Level 3-qualified (or the equivalent) to practice aesthetics.

Professional indemnity insurance

This is essential in keeping your mobile aesthetics business safe against claims of negligence, incorrect treatments and unsatisfactory results. Professional indemnity insurance is vital to have in an industry where mistakes made can cost clients their appearance. If a client chooses to sue for negligence, professional indemnity insurance would cover your legal costs, and any compensation needed.

Public liability insurance

Public liability insurance will cover you against claims made by clients or third parties if you have damaged their property, injured or harmed someone out in public. This is especially true if you take a large vehicle with you to clients’ properties, for example, as it has a higher likelihood of damaging buildings or driveways.

Product liability insurance

Product liability insurance is extremely important when working in aesthetics, whether mobile or based in your own practice. Working with products during treatment brings the risk of adverse reactions from the client. If this reaction is harmful, you and your business could face compensation claims, potentially putting you out financially.

Equipment and contents insurance

As a mobile aesthetic practitioner, you rely on a range of expensive tools and products to perform treatments. Equipment and contents insurance ensures that you can replace or repair your tools if they’re lost, stolen or damaged while in transit.

Vehicle insurance for business use

If you use a vehicle to take your business between clients, having vehicle insurance for business use is a must. This policy covers incidents that occur while you're driving for work purposes, which regular vehicle insurance often doesn’t cover. You should try and opt for a policy that also covers theft or damage to any equipment stored in the vehicle. This ensures you're protected both on the road and while parked at clients’ homes.

Business interruption insurance

In the unfortunate event that your business is interrupted — for example if your vehicle is in an accident or your equipment is damaged — having business interruption insurance is essential. This insurance protects your income if you're unable to work due to unforeseen circumstances. This can help you to pay bills and salaries and keep you afloat until you can begin earning again.

Can you get insurance specifically for mobile aesthetics?

There are specialised insurance policies available for mobile aesthetic practitioners, which are tailored to the unique needs of a mobile business. These policies ensure that you are covered for the additional risks that come with visiting off-site locations.

Get a quote

To get the best insurance possible for your mobile aesthetics business, get in touch with our professional insurance providers at Towergate so we can establish the right policy for you. We’ll compare policies to help you ensure coverage includes all aspects of your mobile practice.

It’s quick and easy to get a quote either online or by calling us on 0333 060 0915.

Aesthetics insurance from Towergate

As an aesthetics practitioner, the range of risks associated with your business can be higher than others. That’s why it’s essential to have the right aesthetics insurance in place to keep you protected.

If you’d like to talk to a dedicated legal professional, we’ll help you establish your specific needs and make sure you walk away with the right coverage for you.

Get an aesthetics insurance quote

Towergate can provide aesthetics insurance for qualified Botox practitioners. Call our team on 0330 828 0552 or request a quote online.

Business insurance from Towergate

We offer all types of business insurance — it’s quick and easy to request a quote either online or by calling us on 0333 060 0915.

About the author

Diane Caplehorn is a respected industry leader with over 25 years' experience within the insurance sector. She works across a wide spectrum of insurance products and policy development, delivery and optimisation for health and beauty, professional risks and martial arts clients.

Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems, we recommend that professional advice be sought.