What Insurance Do You Need to Practice Aesthetics?

In recent years, the field of aesthetic medicine has seen vast growth, with more and more businesses cropping up across the country. While setting yourself up to practice aesthetics, you should be sure that you’re protecting yourself, your clients and your business with the relevant insurance coverage.

What insurance do you need to practice aesthetics? In this guide, we’ll take you through the types of insurance you need to practice aesthetics safely and legally, ensuring you are fully protected from potential risks.

Professional indemnity insurance for aestheticians

Professional indemnity insurance should be the first coverage you look for when practising aesthetics. This is because aesthetic procedures often involve working with a person’s face or body, which comes with a risk of error and any mistake can have a severe impact on the client.

This type of insurance protects practitioners against claims made by clients who allege negligence, malpractice, or unsatisfactory results from treatments.

Public liability insurance for aestheticians

Public liability insurance is an important cover to have in an aesthetics practice. This is because clients frequently visit for appointments, consultations, or treatments. During these visits, accidents can occur — a client might trip over equipment or slip on a wet floor.

This insurance covers any legal fees, compensation and associated costs if a claim is made.

Product liability insurance for aestheticians

This insurance covers when claims are made against your aesthetics practice because a product has caused harm to a client. If your practice handles fillers, serums and chemical peels, all of these products might have the potential to cause adverse reactions to some clients. Having product liability insurance could help limit the financial risk if a claim is made.

Medical malpractice insurance for aestheticians

Having medical malpractice insurance should be a priority if you’re a practising aesthetics professional — this is especially true if you perform invasive procedures. Aesthetic procedures such as Botox injections, chemical peels or laser treatments involve a higher degree of risk than non-invasive beauty treatments.

This insurance will cover legal costs and compensation if a client has claimed that they’ve suffered due to professional negligence during these procedures.

Employer’s liability insurance for aestheticians

As with any business, if your aesthetics practice employs other members of staff, employer’s liability insurance is a legal requirement. This covers claims made by employees — this can happen if they have been injured at work, especially when using equipment like lasers and needles. If you choose to avoid this coverage, you will be breaking the law and could face fines and even legal action.

Aesthetics clinic or premises insurance

Similar to commercial property insurance, clinic or premises insurance is essential in protecting the physical location of your practice. In the rare case of fire, theft or damage, this insurance is vital. It typically covers treatment rooms, reception areas, waiting rooms and can also provide cover for contents within your clinic such as specialised equipment like laser machines, treatment beds, and other aesthetic tools.

This changes if you rent the property, in which case you should only need contents insurance. It is the landlord’s responsibility to have adequate buildings insurance in place, but be sure to ask and make sure.

Business interruption insurance for aestheticians

In the event your practice is forced to close because of extreme circumstances, having business interruption insurance is crucial in keeping your income safe. Disruptions caused by fires, floods or natural disasters can swiftly halt operations, making it difficult to cover salaries and even bills.

Business interruption insurance helps to keep these costs low by compensating for lost revenue. This allows your business to recover quicker and get back to generating income.

Cyber liability insurance for aestheticians

If you conduct any aspect of your aesthetics business online, you must be aware of cyber attacks and have the relevant insurance in place for if they occur. Cyber liability insurance protects your practice from the financial and reputational damage caused by these type of incidents.

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 get or 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.