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A combined policy for all your insurance needs from Hamilton Fraser

As an aesthetic practitioner you want to deliver the best possible service to your patients, but there may be occasions when a claim is made against your business that could affect your reputation or result in financial loss.

Hamilton Fraser are committed to providing bespoke cover to support your insurance requirements. To assist you in growing your business Hamilton Fraser have put together a new combined policy to meet all the insurance needs of today’s aesthetic practitioner with one comprehensive solution.

Have all your insurance needs covered in one place with Hamilton Fraser’s combined solution or in standalone policies designed specifically for your cosmetic business.

Medical Malpractice Insurance

Hamilton Fraser’s Medical Malpractice Insurance policy has been created to protect cosmetic practitioners against allegations of malpractice and negligence in their performance of cosmetic treatments. Whether you run a single clinic or a chain of clinics, it is important to make sure you have adequate insurance in place should the unexpected happen.

Hamilton Fraser can arrange competitive insurance for both traditional and more specialised cosmetic surgery practices. Hamilton Fraser’s medical malpractice cover includes wide ranging features to ensure that you have comprehensive protection from any claims made against you.

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 and Surgery Insurance

It is important to make sure your surgery and clinic premises are adequately insured. Hamilton Fraser’s Clinic 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.

Hamilton Fraser 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

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

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 will offer protection in the event of any loss, illegal threat or interruption as a result of a cyber attack.

Hamilton Fraser’s new combined policy is designed to meet all the insurance needs of today’s aesthetic practitioner with one comprehensive solution.

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
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