Aesthetics Insurance

Aesthetics Insurance

We are specialists in aesthetics insurance and can provide cover to the evolving needs of the beauty industry. Aesthetics cover for a broad spectrum of treatments for both medics and non-medics, including Botox, fillers, B12 injections, dermaplaning, semi-permanent makeup, microblading, tattoo and hair removal, chemical peels and general beauty.

Peace of mind with Towergate

Flexibility

Flexible aesthetics insurance

Aesthetics cover with varying options, for anyone in the UK

Certificate

Cover suitable for various aesthetics treatments

Annual cover for a range of different treatments

Care

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

Question

What is aesthetics insurance?

Answer

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

Question

Do I need aesthetics cover?

Answer

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.

Question

Can you cover estheticians working from home?

Answer

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.

Question

What is aesthetics liability insurance?

Answer

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.

Question

What is public liability for aestheticians?

Answer

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.

Question

What is product liability insurance for aestheticians?

Answer

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.

Question

What is professional treatment cover?

Answer

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.

Question

Do beauty salons need insurance?

Answer

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.

Question

What is retroactive cover?

Answer

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.

Question

Can you provide cover for student estheticians?

Answer

No, unfortunately we can only cover qualified aesthetics professionals.

Question

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

Question

Where can I find full details of my policy?

Answer

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.

Question

Are there any exclusions to aesthetics insurance policies?

Answer

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.

1.

Find your insurance documents

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

2.

Call the claims team

on 0370 850 7134 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim