Hamilton Fraser’s got you covered – award winning cosmetic insurance
Since 1996, Hamilton Fraser has remained the UK’s leading provider of cosmetic insurance services and are proud to cover 
the most comprehensive range of cosmetic treatments in the sector. They were the first ever commercial insurance provider to offer medical malpractice insurance specific to the cosmetic industry.
As winners of ‘Best Specialist Insurance Provider’ at the Insurance Choice Awards 2023, voted for by customers, Hamilton Fraser provide tailor made insurance to protect you, your aesthetic clinic and the specialist aesthetic equipment you use.
Although it is not currently a legal requirement to arrange insurance before carrying out aesthetic treatments, Hamilton Fraser believes it is essential to protect both yourself and your patients. With medical malpractice claims becoming increasingly costly, medical malpractice insurance is essential for any aesthetic practitioner.
Hamilton Fraser insures medics, including doctors, dentists, dental therapists, dental hygienists, nurses, operating department practitioners, physiotherapists, podiatrists, paramedics, pharmacists and beauticians, for a wide range of aesthetic treatments depending on background and training. As a leader in the market, they’ve got you covered and are proud to insure the most comprehensive range of cosmetic treatments.
Hamilton Fraser offers cover for both essential and more specialised cosmetic practices, from injectables and breast augmentations, to a variety of beauty treatments, they also offer a bespoke insurance policy to suit your needs. Their policies offer a standard limit of indemnity of £5 million, which also comes with a zero excess for many of the treatments they insure.
Medical Malpractice Insurance
Medical malpractice insurance is designed to protect you, the practitioner, against allegations of malpractice and negligence whilst administering aesthetic treatments. Whether you run a single clinic or a chain of clinics, without adequate cover, you will be left to defend any allegations personally, which could incur significant legal costs.
Get a medical malpractice insurance quote online today with Hamilton Fraser, or if you prefer you can call the team on 0800 63 43 881 to discuss your individual requirements.
In addition, Hamilton Fraser provides clinic, salon and surgery, cyber liability and directors’ and officers’ insurance to support the individual needs of your aesthetics business. Their team of expert advisers have an excellent understanding of aesthetic insurance and are on hand to offer practical guidance, get in touch today to discuss your requirements.
Cover includes:
- Disciplinary hearings, loss of documents, defamation, crisis containment, corporate manslaughter
- 5 years extended reporting period
- Up to £10 million limit of indemnity*
- Public and Products Liability
(Work Away) Cover up to £2 million
- Personal Accident Cover
*subject to acceptance
Clinic, salon and surgery insurance
Whether you own or lease a premises, it is important to have the right cover in place to protect your assets.
Hamilton Fraser’s clinic, salon and surgery policy covers your stock, equipment and machinery including laser machines. It also provides business interruption cover to run your business even in the event of a disaster such as a flood.
They also provide public liability, which covers compensation you may have to pay a client or member of the public due to accident, injury or property damage. Hamilton Fraser’s employer’s liability insurance will protect you should an employee have an incident which occurs during the course of their work, such as an injury, which they consider was due to your negligence.
Cover includes:
- Buildings
- Contents
- Business Interruption
- Worldwide Portable Equipment Cover
- Public and Products Liability (premises)
- Employers Liability
Directors’ and Officers’ Insurance
This cover is designed to protect you from failure in your duties to manage your business effectively.
As a director or officer of a company you make many decisions to manage your business effectively. Failure in those duties can sometimes lead to a claim from an employee, shareholders, customers, or regulatory body. Hamilton Fraser’s directors’ and officers’ insurance is designed to protect you from such risks.
Cover includes:
- Cover for the directors and/or officers for any legal proceedings brought against them for
- Employment disputes
- Prosecutions
- Discrimination in the workplace
- Health and Safety
- European Law
Cyber Liability Insurance
Protection to insure you against cyber and data breaches that could cause loss of vital business services.
As a cosmetic practitioner you should not underestimate the interest online criminals might have in your businesses, or the chaos a cyber incident could cause. Hamilton Fraser’s cyber liability insurance offers protection in the event of any loss, illegal threat or interruption as a result of a cyber attack.
Cover includes:
- Claims for any loss, breaches, privacy investigations, illegal threats and interruptions as a result of a cyber attack
- Cyber Business Interruption
- Regulatory cover