Question 1

Who can buy an Aesthetics Policy?

Accepted Answer

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

Question 2

Can non-medics buy Aesthetics insurance?

Accepted Answer

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.

Question 3

How much is Aesthetics Insurance?

Accepted Answer

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.

Question 4

What training do I need to obtain Aesthetics Insurance?

Accepted Answer

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.

Question 5

Can you cover Aesthetic Practitioners working on a mobile basis?

Accepted Answer

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.

Question 6

Is Aesthetic Insurance a legal requirement?

Accepted Answer

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.

Question 7

Can Insync cover practitioners completing a pathway to Aesthetics or fast track course, even if I don't have any beauty experience?

Accepted Answer

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.

Question 8

Do I need a teaching qualification to be covered to teach injectable treatments?

Accepted Answer

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.

Question 9

Can you cover the teaching of Aesthetic and Cosmetic treatments?

Accepted Answer

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

Question 10

What does 'Claims Made' cover mean in Aesthetic Practitioners Insurance?

Accepted Answer

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.

Question 11

Can I pay monthly for my Aesthetic and Cosmetic Insurance?

Accepted Answer

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.

Question 12

What excess will I have to pay in the event of a claim?

Accepted Answer

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.

Question 13

Can I add other treatments during the policy period?

Accepted Answer

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.

Question 14

What level of medical malpractice and professional indemnity cover should I buy?

Accepted Answer

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.

Question 15

I trade as a limited company. Can you offer aesthetics business insurance cover?

Accepted Answer

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.

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