Why Do I Need Aesthetic Practitioner Insurance?

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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, such as botox and/or dermal fillers, 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 can also include 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.