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

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.

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.

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.

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.

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.

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.

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.

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.

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.

Or

• 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.

No, unfortunately we can only cover qualified aesthetics professionals.

See the full list.

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.

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