Save Face and Towergate Insurance partnership

Aesthetics insurance is designed to cover licenced, medical professionals, providing nonsurgical cosmetic treatments 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 licenced, medical professionals, providing nonsurgical cosmetic treatments can provide a safety net to protect you and your business from the financial burden of a claim against you.

We can cover licenced, medical professionals, providing nonsurgical cosmetic treatments 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 aestheticians' 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 aestheticians 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 aestheticians. 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, but you can also take a £2 million limit. We do require you to carry out treatments as the manufacturer has advised for this aspect of the cover to be valid.

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.

No, unfortunately we can only cover medically qualified aesthetics professionals. For this particular policy, you must also be a Save Face member.

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.

If you are not a Save Face member but are considering joining, then you can still get a quote to establish whether becoming accredited would enable you to get a more competitive insurance premium.

Working with specialist insurers in the medical indemnity market, we can now offer an exclusive policy that recognises the Save Face accreditation process encompassing their 116-point assessment model, reducing the risk of potential claims.