Aesthetics Insurance

Peace of mind with Towergate


Flexible aesthetics insurance

Aesthetics cover with varying options, for anyone in the UK


Cover suitable for various aesthetics treatments

Annual cover for a range of different treatments


Aesthetics insurance to suit you

We offer our best terms to give you peace of mind that you have the right aesthetics cover for you

Direct Debit

Pay by direct debit

Pay for your aesthetics cover in instalments

Features of Aesthetics Insurance

Standard cover

Professional indemnity aesthetics cover

We can help you with your aesthetics insurance requirements, through a range of polices for your current and evolving needs.

Cyber insurance for aesthetics professionals

We understand the importance of having the correct cover in place to combat the threat of a cyber-attack as soon as it is on your radar, which is why we provide portfolio of cyber insurance policies for first-party and third-party liabilities.

Free valuations for beauty salons to avoid underinsurance

If a business fails to adequately insure its property, it could threaten the survival of the business and the loss of people’s livelihoods. We work with CPA Valuation Services to offer a free desktop indication which will give a work indication of whether your building is under/over or adequately insured.

Health and safety, employment and HR help for aesthetics businesses

We recognise that there may be occasions when you need more support to help you manage risk, which is why we have partnered with health and safety, employment law and HR specialists WorkNest to offer you more dedicated, bespoke support in these complex areas.

Aesthetics Insurance FAQs


What is aesthetics insurance?


Aesthetics insurance is designed to cover professional estheticians during the course of their work. It includes elements of liability insurance related to treatments you provide and can cover aspects of your business and equipment too.

Here are just some of the covers we can provide:

  • Malpractice (treatment risk)
  • Buildings and contents
  • Public liability
  • Products liability
  • Employers’ liability
  • Business interruption


Do I need aesthetics cover?


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. Cover for estheticians can provide a safety net to protect you and your business from the financial burden of a claim against you.


Can you cover estheticians working from home?


We can cover estheticians 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.


What is aesthetics liability insurance?


There are three main parts to be aware of when buying estheticians' liability insurance; public liability, products liability and professional treatments cover. We’ll explain each of these in a little more detail below.


What is public liability for aestheticians?


Public liability protects you from claims which arise through negligence on your part during the course of your work. For example, you may have left cables in a hazardous location where someone might trip; if a member of public injures themselves or has the property damaged because of this, they may try to claim damages from you. This insurance would cover your legal defence along with their compensation should they win the case.


What is product liability insurance for aestheticians?


Product liability cover will insure you in the event that a product you use or sell to clients causes a member of the public to suffer an injury or have their property damaged. In these instances, they may try and claim compensation from you, even if the product is not made by you. It’s important to therefore cover yourself just in case. Again, product liability for estheticians covers your legal defences and any damages you have to pay to the claimant if they win the case.


What is professional treatment cover?


Professional treatment cover is a form of professional indemnity cover especially for estheticians. It ensures that if a client isn’t satisfied with advice you have given them regarding their treatments and take you to court, your legal costs and awards claimed by the client are covered up to £5 million. We do require you to carry out treatments as the manufacturer has advised for this aspect of the cover to be valid.


Do beauty salons need insurance?


It’s not a legal requirement to insure a salon unless you have employees but it is certainly recommended to have cover in place. You can find out more about salon insurance from our dedicated page.


What is retroactive cover?


Retroactive insurance provides cover for any claims made against you during your period of insurance which occurred prior to the start date of your policy.


What qualifications do I need to hold for aesthetics insurance?


You must hold the following;

  • Accredited training certificates for the non-injectable treatments you wish to perform.
  • UK-accredited training certificates for the injectable treatments you wish to perform and NVQ level 3 or equivalent* beauty qualification with more than 6 months post-qualification advanced beauty** experience.


  • UK Accredited training certificates for the injectable treatments you wish to perform

and completed a Level 3 matrix or Access Course

*Equivalent Level 3 NVQ would be VTCT Diploma, A & P Level 3, NARIC translated, City and Guilds

**Advanced beauty includes any treatments which penetrate the skin.


Can you provide cover for student estheticians?


No, unfortunately we can only cover qualified aesthetics professionals.


What is the full list of beauty treatments Towergate can cover?


Where can I find full details of my policy?


We have provided a summary of the key features of the policy, above. 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.


Are there any exclusions to aesthetics insurance policies?


Applicable terms and conditions are available on request. Please read your policy document for full details.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on the number in your policy document and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim