Aesthetic Practitioner Insurance

To be eligible for aesthetic practitioner insurance, you will need to have completed the qualifications outlined below so your insurer can be confident you are practicing safely and compliantly.

 Requirements include:

• UK-accredited training certificates
• An NVQ level 3 or equivalent beauty qualification with 6+ months experience in treatments that penetrate the skin
• If without an NVQ level 3, 12+ months experience in treatments that penetrate the skin
• Completion of the L3 Matrix (SFJ Award) course, the Skin College Gatehouse Award Aesthetic Pathway, a Sally Durant course, or a pre-agreed pathway course.

Contact us for full details.

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.

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. 

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 provide cover for case studies but until you are fully qualified, we cannot arrange cover for you to work unsupervised.

It’s not a legal requirement to insure a salon unless you have employees, but it is certainly recommended to have cover in place.

For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Full details of the policy terms and conditions are available on request and will be provided through the quotation process. It is important to read your policy documents. 

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.

There is a customer service charge for policy amendments. To keep costs to a minimum, please ensure that you provide us with the correct information and details of all the treatments that you need cover for at the outset.

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 you want to cancel your policy, we simply need you to contact us for us to process your request. 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, you will not be covered for past services you have provided.

This medical malpractice policy is a ‘claims made’ policy which provides cover that is triggered when a claim is made against you 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, you will not be covered for past services you have provided.

It is critical that you notify us immediately when 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 insurers could decline to indemnify you.