Aesthetics Insurance

Aesthetics Insurance, including botox, dermaplaning & microneedling. For Medic and Non-Medic, qualified aesthetic practitioners & aesthetic clinics.

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Insync Aesthetics Insurance Cover

Insync is a specialist business insurance broker. We provide bespoke insurance cover and advice to the aesthetics industry. Our range of exclusive insurer schemes provide peace of mind and protection to over 65,000 clients across the UK. Due to the nature of the industry, we must speak to you for aesthetic insurance quotes. Please, fill out the form above and we will be in touch.

Our team of over 50 specialist aesthetic and cosmetics insurance brokers will help you find the right level of cover. We will consider both your specific requirements and budget while tailoring a policy to your needs.

Why Do I Need Aesthetic Practitioner Insurance?

For aesthetic practitioners, allegations of negligence and malpractice from treatments are a risk. Without adequate aesthetics insurance, you would have to defend any allegations out of pocket. Defence can incur high legal costs and compensation payments if you are found to be at fault. Some serious malpractice claims can run into thousands of pounds in compensation payments alone. Not to mention the loss of earnings and other costs.

As well as bodily injury or illness claims, you may also see financial loss only negligence allegations. In such cases, a client is simply not happy with the treatment outcome or professional advice you have provided. Professional indemnity claims are becoming more common. Particularly in cases where expected aesthetic treatment outcomes are not set beforehand. In addition to medical indemnity or professional indemnity, our schemes can also include public liability. Public liability covers your legal liability for injury to members of the public or damage to third-party property.

What Types of Aesthetic Treatments Can You Cover?

We pride ourselves on our knowledge and expertise in the beauty and aesthetic industry. We work closely with leading industry experts to ensure we respond to trends and customer demands. Our treatment list is reviewed with insurers every week, but typical treatment cover options include:

  • Botulinum Toxin (Botox, Advanced Botox, Azzalure, Bocoture and Dysport)
  • Buttock and/or Hip Sculptra® Aesthetic Augmentation
  • Cryolipolysis / CoolSculpting
  • Depilatory Waxing and Electrical Epilation
  • Dermaplaning
  • Ear & Body Piercing
  • Fat Dissolving (inc. Desoface/Desobody, Aqualyx™, Sunekos, Lipo-lax)
  • General Beauty Treatments
  • High-Intensity Frequency Ultrasound (“HIFU”)
  • Hyaluronidase/Hyalase Treatment (dissolving dermal fillers)
  • Intense Pulsed Light (IPL), Intense Flash Light (IFL), Variable Pulsed Light (VPL) or Light Heat Energy (LHE)**
  • Jalupro
  • LED Light Therapy
  • Lipolysis (Weight loss treatment)
  • Microblading/Micropigmentation
  • Micro-needling
  • Phlebotomy
  • Platelet Rich Plasma (PRP)
  • Profhilo
  • Radio Frequency (RF) Treatments
  • SPMU / Semi-Permanent Make-up (inc. BB Glow)
  • Tattoo Removal (inc. Laser Tattoo Removal)
  • Ultrasound Treatments
  • Weight Loss Injectables (Skinny Pen) inc. Saxenda & Ozempic)
  • Brazilian Butt Lift (BBL)
  • Chemical Peels
  • Cryopen
  • Dermal Filler (Advanced Filler)
  • Ear Irrigation & Micro Suction
  • Eyelash Extensions & LVL Lashes, Tinting and Henna Brows
  • Fraxin™
  • HIFU™
  • Hya-pen (Hylauron Pen, Hii Pen)
  • Hyperhydrosis
  • IV Vitamin Injections and infusion therapy
  • Laser Treatments
  • Lip Augmentation
  • Mesotherapy
  • Micro-dermabrasion
  • Nerve Block/Dental Block/Lidocaine/Lignocaine
  • Plasma Pen™ & Plasma Fibroblast
  • Polydioxanone Threads (PDO Threads)
  • Prescribing
  • Sclerotherapy
  • Tattoo and/or Body Piercing
  • Tattoo Removal (inc. Laser Tattoo Removal)
  • Redensity 1
  • Vitamin B12 Injections

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Why choose insync for Aesthetics insurance?

In today’s digital world, business has evolved, so why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Aesthetics Practitioners throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!

start your quote today

Aesthetics Insurance

  • Self-employed beauty and/or Aesthetic Practitioners
  • Aesthetic and Cosmetic Clinics
  • Beauty and Aesthetic Salons
  • Aesthetic Training Professionals, Academies and Schools
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Malpractice and Professional Indemnity from £1m to £10m+
  • Expert advice from property Insurance specialists
  • Public Liability from £1m to £10m+
  • Personal – Digital servicing AND your own dedicated insurance professional
  • Employers Liability
  • Business Equipment and/or Contents
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • Regulatory Body Hearings cover
  • Legal Protection and Excess Insurance options

Insync for Aesthetics Insurance

  • Experienced Aesthetic Insurance Team serving thousands of existing practitioners and clinics
  • Access to a Dedicated Account Manager who understands your risk
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from Aesthetic Insurance specialists
  • Claims and Risk Management support
  • FREE Access to Insync Benefits and Perks – Average Savings of over £500 per year

Aesthetics Insurance

  • Self-employed beauty and/or Aesthetic Practitioners
  • Aesthetic and Cosmetic Clinics
  • Beauty and Aesthetic Salons
  • Aesthetic Training Professionals, Academies and Schools
  • Choice of A-Rated insurers fully underwritten at Lloyd’s of London
  • Medical Malpractice and Professional Indemnity from £1m to £10m+
  • Expert advice from property Insurance specialists
  • Public Liability from £1m to £10m+
  • Personal – Digital servicing AND your own dedicated insurance professional
  • Employers Liability
  • Business Equipment and/or Contents
  • Policies include Breach of Professional Confidentiality
  • Libel & Slander and Inquest Hearing Costs cover
  • Regulatory Body Hearings cover
  • Legal Protection and Excess Insurance options

Insync for Aesthetics Insurance

  • Experienced Aesthetic Insurance Team serving thousands of existing practitioners and clinics
  • Access to a Dedicated Account Manager who understands your risk
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from Aesthetic Insurance specialists
  • Claims and Risk Management support
  • FREE Access to Insync Benefits and Perks – Average Savings of over £500 per year

Brilliant Agent

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The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

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Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

5 star rating
5 star rating
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Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Frequently Asked Aesthetics Insurance Questions

We have prepared a list of the questions we are regularly asked by customers before and after buying a policy.

If you need further help we are always available.

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Insync offers a range of indemnity products for qualified aesthetic practitioners, both medics and non-medics. These policies are underwritten by our panel of A-Rated insurance partners. We have exclusive schemes for qualified medical and dental professionals who hold a license to practice with a UK or Irish regulatory body. For example, GMC, GDC, NMC, HCPC, GPhc, NMBI, DCI etc. Professions include:

– Aesthetic & Cosmetic Nurses
– Nurse Prescribers
– Paramedics & Emergency Medical Technicians
– Doctors & Surgeons
– Operating Department Practitioners
– Dentists
– Dental Nurses
– Pharmacists
– Midwives

Insync is the leading provider of aesthetic insurance for non-medics arranging cover for thousands of practitioners throughout the UK, including anti-wrinkle injectable treatments.

Your experience and qualifications will be individually reviewed on their merits. Our schemes are designed specifically to accept those from an experienced aesthetic, beauty or cosmetic background. Likewise, newly qualified practitioners who have trained with specialist academy partners.

Premiums will vary depending on your qualifications, experience and the treatments you are carrying out. We offer a range of indemnity limits, and you can select the most appropriate for your business.

If you are a medically qualified professional such as a nurse, paramedic, doctor, dentist or pharmacist and have completed training in the required treatment (e.g. anti-wrinkle injectable treatments), our insurers can cover you immediately.

If you are a non-medic and have beauty industry experience, as well as the level of training aligned to the treatments you wish to carry out, your case will be assessed with your insurance application. Generally, an NVQ Level 3 Beauty Qualification (or equivalent) is the minimum criterion in addition to appropriate training. Please contact us to discuss your specific requirements. Furthermore, we are happy to guide you before you book a course.

Yes, some insurers on our medical malpractice insurance panel are happy to cover mobile practitioners based on individual approval. We arrange cover for many clients with home-based clinics or those renting space in other medical or beauty settings.

Unlike employers’ liability, arranging insurance cover for aesthetic treatments is not currently a legal requirement. However, the financial risk to practitioners from allegations of negligence relating to both malpractice and/or professional advice is significant. Many claims run into hundreds of thousands of pounds for legal defence costs alone. Without adequate aesthetic and cosmetic insurance, you and your business would be personally liable. Subsequently, your personal assets would be exposed.

Insync works with specific training academy partners specialising in pathways and fast-track to aesthetics courses, allowing new entrants in aesthetics to practice immediately on course completion. Please contact us if you have any specific questions about the course you are undertaking.

If you come from a medical background, insurers may not require any additional qualifications for you to teach others. For non-medics, a teaching qualification is generally required and potentially a longer length of experience in the treatments being taught, although this is not always the case with all underwriters and is something you should discuss with your Insync Account Manager.

All Insync cosmetic and aesthetics schemes can be extended to cover the teaching of others in all types of treatments, including injectables.

Cover under the medical malpractice and professional liability section of the policy is provided on a “Claims Made Basis”; this means that the policy covers claims made against you during the policy period. You need to have cover in place at the time of the negligence (i.e. when you do the treatment) AND, also, at the time a claim is notified to you.

All policies are arranged for 12 months. However, we work with a leading premium finance house, Close Brothers Premium Finance, to offer clients the ability to pay premiums over 10 months if required to assist with business cash flow.

In the event you need to make a claim, you may be responsible to be the first part of the loss. This is known as an excess, or deductible. Excesses vary depending on your experience and qualifications as well as the treatment being undertaken. Please refer to your policy or quotation schedule for specific details of any excess which may apply to your policy.

All Insync aesthetic insurance policies are extremely flexible and can grow with your business. As you qualify in new treatment areas, your Account Manager will assist you in adding these to your policy.

When buying medical malpractice or professional indemnity cover, we recommend that you have an indemnity limit that will cover your worst-case scenario. Your policy is arranged with an aggregate maximum limit of 12 months and needs to cover all claims awards and defence costs incurred during that period. While other providers may offer lower limits, at Insync, we only offer cover with a minimum limit of £1m for injectable treatments. Anything less than this level will leave you severely exposed to treatment risk claims. When deciding on your limit, you should look at the treatments undertaken and the associated risks. For example, working with models or celebrities may come with a higher risk as claims for loss of earnings can be much higher.

At Insync, we can cover sole traders, Partnerships, LLPs and Limited Companies under all our aesthetic and/or beauty business insurance policies. Your Account Manager will be able to help you examine all your business risks and build an appropriate package tailored to your needs.