When you provide aesthetic treatments, despite all of your intentions for the best outcome, things don’t always go to plan. Clients may claim that your treatment has injured them, or a negligence mistake could spell the need for legal defence with high legal costs and compensation payments, should you be found at fault.
Having the correct insurance cover on a Medical Malpractice policy is an important investment for all aesthetic practitioners, no matter what treatments you provide, whether these be Botulinum Toxin, Dermal Fillers, Vitamin B12 injections, Dermaplaning, Microblading, Chemical Peel, Laser treatments or other general beauty treatments.
Here at Enhance Insurance Services, we arrange Medical Malpractice policies to aesthetic practitioners and your clinics or beauty salons, if needed. We’ll ensure that you receive the cover suited to your business, designed to protect you whilst you are providing treatments.
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Why Is Cover For Aesthetic Practitioners So Important?
It is vital when you provide treatments that you have the necessary aesthetic indemnity insurance in place, to help protect yourself from any medical malpractice claims that may arise. If you are found personally liable in the event of anything happening to a client whilst receiving treatments, you need to have the appropriate insurance in place to protect you and help avoid any legal expenses falling on yourself.
All treatments carry a risk to yourself and your business, so having adequate insurance in place is essential to your medical practice.
As well as bodily injury claims, you could face financial loss through professional negligence allegations. For example, if a client is not happy and the outcome or advice given is found to be negligent, this is where a medical malpractice policy can benefit you greatly. Professional indemnity insurance can also help protect against medico-legal costs and claims related to advice given in a professional capacity.
Aesthetic Treatments We Cover
We pride ourselves here at Enhance Insurance Services on our extensive knowledge within the cosmetic, beauty and aesthetic industry. We work closely with industry experts to keep up with trends and demands. Treatments our policies can cover include:
- Botulinum Toxin (Botox)
- Brazillian Butt Lift (BBL)
- Dermal Fillers
- IV Vitamin Injections
- Micropigmentation & Microblading
- Laser Treatments
- Chemical Peels
- Hair Transplants
- Breast Augmentations
- Fat Dissolving (Emerald Laser)
Specialist Aesthetic Insurance From Enhance Insurance Services
In today’s world, the aesthetics industry is constantly evolving, so choosing an insurance broker with the right knowledge and expertise is vital. The right level of cover is more than skin deep.
Help protect your reputation, annual income and bank balance from legal fees, and save yourself from undue stress later down the line with the right aesthetic insurance. The correct indemnity cover can protect you, your business and your team, if there is a claim made against you. It may cover damages or compensation you are due to pay, should a case not end in your favour.
Whether you work in private practice, as a locum, or are self-employed, our team specialises in arranging tailored medical indemnity and liability insurance for doctors and healthcare professionals across a wide range of clinical practice areas.
Unlike a traditional medical defence organisation, which may offer discretionary indemnity, the policies we arrange are contractual insurance policies underwritten by established insurers. This can provide greater certainty about your indemnity arrangement and the scope of your cover.
Why Do I Need Aesthetic Insurance?
You need aesthetic indemnity cover to help protect you and your practice. You may need malpractice cover, cover for professional negligence, employer’s liability insurance, and protection against legal expenses, among other things. You might never actually have to make a claim, but it’s better to err on the side of caution by arranging appropriate insurance than being caught out without it.
Where Can I Get Aesthetic Insurance?
Here at Enhance Insurance Services, we specialise in arranging aesthetic indemnity insurance for medical professionals. If you are looking for an insurance policy that really caters to healthcare professionals in aesthetics, our team can help you explore the right level of cover for your scope of practice. Visit our quote portal to get started.
Is There Aesthetic Insurance for Nurses?
Yes! At Enhance Insurance Services, we can provide aesthetic insurance to NHS nurses and other registered practitioners. We take catering for NMC (Nursing and Midwifery Council) members seriously because all members must have adequate indemnity cover. We can arrange medical indemnity and public liability insurance for nurses working in aesthetics.
Is Professional Indemnity Mandatory?
Under UK law, professional indemnity insurance is not compulsory on a broad scale. It, however, is necessary for medical professionals to have adequate insurance to practice in the UK. The General Medical Council (GMC) requires that doctors hold an appropriate indemnity arrangement, and most obligations are set by professional bodies and regulators. This applies whether you work within the NHS, in independent practice, or as a locum.
How Is Medical Negligence Proved?
Clinical negligence in the UK is determined by a three-stage test which establishes that the claimant was owed a duty of professional care; if that duty of care has been breached; and if, as a result of the breach, the claimant was harmed.
Who Is Not Covered By The NHS Indemnity?
NHS Indemnity does not cover family care professionals that are working under contract for services. These include general practitioners, dental practitioners, self-employed healthcare professionals, and those in private practice. If you carry out work outside of your NHS role, including aesthetic treatments on private patients, you may need a separate medical indemnity insurance policy to ensure you have the right level of cover