Botox & dermal fillers insurance

Why do you need Botox and dermal fillers insurance?

Because people are unpredictable. Despite all your skill and experience, you could still make a mistake on a bad day. Likewise, a client could have an unexpected reaction to a procedure.

Redness, bruising, bleeding, and swelling are just some of the possible side-effects of Botox and dermal filler injections. But it’s the more serious complications like skin damage, infection, and permanent scarring that can cause both you and your client real problems.

If the worst happens, and someone decides to make a claim against you, you’ll need deep pockets to cover it. Solicitors’ fees, court costs, and lump sums for damages can leave you with a stack of hefty bills to pay.

A better option is to let your Botox and dermal fillers insurance take the strain. It covers all your legal costs and pays any compensation too – leaving you free to run your business.

Who needs Botox and dermal fillers insurance?

Anyone working with Botox and dermal fillers, either as the name above a clinic door or as a freelance practitioner, should put medical malpractice (also known as ‘treatment and professional liability’) insurance high up on their shopping list.

If a client’s unhappy with the results of their treatment, they could make a big claim for compensation. If that happens, your insurance covers you – whether it was you who made the mistake, or someone working for you.

So, if you’ve got a bank balance with enough noughts to cover a claim of, say, permanent scarring, all well and good. If not, Botox and dermal fillers insurance might just save your business.

How much does Botox and dermal fillers insurance cost?

Since everyone can be accused of making mistakes, cover for professional mistakes is back-up worth having. Especially when you consider the sheer number of no-win no-fee cosmetic procedure solicitors out there.

Deciding your level of cover means thinking about how many Botox and dermal fillers procedures you or your employees carry out, as more injections = more risk. You should also consider the worst thing that could go wrong, and how much that might cost you in legal fees and damages.

Cover for your specialist equipment and the place you use it is essential too. But you need enough cover to pay for the repair and replacement of all the things you use to do your job, or you could end up out of pocket. Worse still, you could be underinsured.

With legal fees making up the bulk of most Botox claims, you could be looking at a total bill worth £tens of thousands. So, tot it all up carefully.

Does Botox and dermal fillers insurance cover non-medics?

Yes, it does - if you’ve got the right qualifications and experience.

Get a cosmetic procedure like Botox and dermal filler injections wrong, and the results are there for everyone to see. That’s why your training and experience are essential to the job you do.

If you’re a non-medically trained practitioner, we can cover you if you have one of the following:

• An NVQ level 3 in beauty therapy or a close equivalent
• 12 months’ experience in advanced beauty treatments that pierce the skin
• An appropriate pathway or fast-track course in the treatment you’re providing.

Our insurance package for non-medics includes medical malpractice insurance and public liability, starting from £250,000 of cover.

You can get an idea of the price of your policy in just a few clicks.

Why should I buy my insurance from you?

Because we already insure lots of aesthetics practitioners, so we know what we’re doing. And we only use trusted insurers, which means you get the cover that’s right for what you do.

We also make it easy. We have a simple online quote journey that means you can buy a policy in minutes. Or you can call us and speak to one of our friendly experts – without having to find your way past a phone menu.

Other things? We give you stuff, like an ‘I’m insured’ badge for your webpage for that professional look. Plus there’s £20 every time you recommend us to someone else who buys a policy.

Then there’s our platinum-rated customer feedback, which speaks for itself. And our Plain English Campaign Crystal Mark, which recognises the fact we do insurance the no-jargon way.

And if all that isn’t enough, our run-down of Botox and dermal fillers FAQs tells you all you need to know about training, licensing, and cover for practitioners.

Okay, we’re done. Trumpet-blowing over.