Insurance for aesthetic and cosmetic clinics

Cover built for clinic-grade aesthetics — injectables, dermal fillers, medical lasers, peels and threads, performed by qualified practitioners. Higher-acuity procedures carry medical-malpractice exposure that a beauty-salon policy does not touch.

Get a clinic quote → or call 0117 325 0027

Apex is an independent Bristol broker, FCA-authorised (FRN 724952), with 30+ commercial insurer markets including Lloyd's via wholesale.

What aesthetic clinic insurance covers

Advanced aesthetics is a medical risk, and the cover reflects that. What matters:

• Medical malpractice / treatment liability — the core cover, responding to complications from injectables and dermal fillers (including vascular occlusion), adverse reactions to toxin, burns or pigmentation from laser and IPL, peel injuries and thread complications.
• Public liability — clients or the public injured on your premises, or whose property you damage.
• Product liability — the products and devices you use or supply.
• Practitioner and prescriber cover — cover matched to who performs each treatment (doctor, nurse, prescribing pharmacist, aesthetician) and their qualifications, plus the prescriber relationship behind your injectables.
• Equipment — lasers, IPL and energy-based devices are high-value and central to trading; cover for damage and breakdown matters.
• Employers' liability — legally required if you employ practitioners or support staff.
• Run-off and optional extras — run-off cover for treatments already performed, management liability, business interruption, and cyber for patient records.

The claims we see most in aesthetic clinics

• Filler complications — vascular occlusion and, rarely, tissue necrosis or visual complications are the highest-consequence aesthetic claims, and why indemnity limits and technique matter.
• Adverse reactions to injectables — reactions or unsatisfactory outcomes from toxin and dermal fillers.
• Laser and IPL injuries — burns, blistering and pigmentation changes, particularly on darker skin types.
• Peel and thread complications — chemical-peel injuries and thread-lift issues such as migration or infection.
• Consent and outcome disputes — claims that hinge on consent records and realistic-expectation documentation.

What we need to get you a quote

Why use Apex

We're an independent commercial broker in Bristol, established 2009, working across 30+ insurer markets including Lloyd's via wholesale. Medical aesthetics is a specialist, fast-moving class — the wrong wording can leave a filler complication or a laser burn uninsured. You deal with a named broker who understands the difference between clinic-grade and salon-grade cover and places it properly. FCA-authorised (FRN 724952); no fee for a quote.

Aesthetic clinic insurance — common questions

Do you cover injectables — Botox and dermal fillers?

Yes — toxin and dermal fillers are core to a clinic policy, and filler complications (including vascular occlusion) are the exposure the medical-malpractice cover is built around. We match the cover to who performs the treatments and their qualifications, which is what an insurer underwrites on.

What indemnity limit do I need for medical aesthetics?

It depends on the treatments and your risk appetite, but advanced aesthetics generally warrants a higher limit than lighter beauty work because the worst-case outcomes are more severe. We'll talk you through sensible limits for your treatment mix rather than defaulting you to the cheapest option. [Guidance, not advice — the right limit is a judgement for your clinic.]

Do you cover laser and IPL?

Yes — energy-based devices are covered under treatment liability, and the equipment itself can be insured for damage and breakdown. Laser and IPL burns, especially on darker skin types, are a real claims source, so it's important the specific devices and treatments are declared.

Do practitioners need to be medically qualified, and do I need a prescriber?

Insurers price and sometimes require cover based on who performs each treatment and their qualifications, and prescription injectables must be prescribed by an appropriate prescriber. We'll reflect your actual practitioner and prescriber setup in the placement so the cover holds up — and flag anything that would concern an underwriter.

Do I need run-off cover, and how much does clinic insurance cost?

Run-off matters because an aesthetic claim can surface after a treatment was performed — if you stop trading or change insurer, run-off keeps past work covered. Cost depends on your treatment mix, practitioners, turnover, equipment and claims history; we quote across the specialist market rather than one insurer. There's no fee for a quote.