Aesthetic & Cosmetic Insurance - Instant Online Quotes & Cover
Tailored indemnity insurance scheme for qualified aesthetic practitioners including medics and non-medics.
Instant cover from only £319 per year*
Save each year with no claims discount up to 5 years’ plus FREE Insync Consent app with insurer approved consent & aftercare docs.
Insync is a specialist insurance broker providing bespoke insurance cover and advice to the aesthetics and cosmetics Industry. Professional negligence and malpractice allegations resulting from treatments carried out by aesthetic professionals can be very expensive, our range of exclusive insurer schemes provide peace of mind and protection to over 30,000 clients across the UK.
Our team of over 80 specialist aesthetic insurance brokers will help you find the right level of professional and malpractice insurance cover to meet your specific requirements and your budget.
The predominate risk to you as an aesthetics practitioner is allegations of negligence and/or malpractice emanating from the treatments you have provided to a client. Following a treatment, a client, or their legal representatives, may allege malpractice in the form of injury, illness, or even death. Without adequate aesthetics insurance, you would be left to defend any allegations personally, incurring significant legal costs and if you are subsequently deemed to be at fault, some serious malpractice claims can run into the hundreds of 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 whereby a client is simply not happy with the treatment outcome or professional advice you have provided. Professional indemnity claims are becoming more common, particularly where expected outcomes of the aesthetic or cosmetic treatment are not set before commencement.
In addition to medical indemnity (malpractice) and professional indemnity, our schemes also include FREE public liability, covering your legal liability for injury to members of the public or damage to third party property. Whilst public liability insurance incidents are less frequent than treatment losses; events such as slips, trips or falls (e.g. over a cable or a wet floor) can incur large compensation.
Typical policies we arrange can be tailored to include:
Cover for Medics & Non-Medics
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+
FREE Public Liability Insurance
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
Indemnity to Principle extension available
No Claims Discount at Renewal for up to 5 Years
FREE Access to Insync Consent APP with Insurer Approved Consent & Aftercare Forms
Flexible cover & monthly payments – just pay for the sections you need
Insync offers a range of indemnity products for qualified Aesthetic Practitioners both for medics and non-medics, all underwritten by our panel of A-Rated insurance partners. We have three exclusive schemes for qualified and registered medical and dental professionals who hold a license to practice with the UK or Irish regulatory body (e.g. GMC, GDC, NMC, HCPC, GPhc, NMBI, DCI etc), including:
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, with our schemes designed specifically to accept those from an experienced aesthetic, beauty or cosmetic background, as well as 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 can also 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 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 carry out, will be assessed with your insurance application. Generally, an NVQ Level 3 Beauty Qualification (or equivalent) is the minimum benchmark in addition to appropriate training, but please contact us to discuss your specific requirements, 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, either on a full-time basis or in conjunction with work in single or multiple clients. We also arrange cover for many clients with home-based clinics, or those renting rooms in other medical or beauty settings.
Unlike employer’s 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. We have seen many claims running 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, leaving your assets, such as your car or home, severely 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 around 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 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 cashflow.
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.
The simple answer to how much malpractice cover to buy is, you should buy as much as you can afford! Your policy is arranged with an aggregate maximum limit for 12 months and needs to cover all claims awards and defence costs incurred during that period. Whilst some other providers may offer lower limits, at Insync, we only over 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 demographics of your specific client base. If your typical client is a high net worth individual, items such as 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.
Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX
t. 01200 309516
© Insync Insurance Solutions Ltd 2021 All rights reserved. Insync Insurance Solutions Ltd is authorised & regulated by the Financial Conduct Authority where our reference number is 766691. Our registered office is 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Privacy Notice | Terms Of Business