Injectable beauty treatment insurance Injectable beauty treatment insurance

Offering dermal fillers and Botox® injections comes with unique sets of risks. That's why we've built a set of covers, designed to protect you, your business and your specialist equipment.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

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Why choose Superscript for injectable treatment insurance?

P

Personalised cover

Pick the covers you need, leave the ones you don't, with limits customised to your business.

5*

5-star support

Contact our UK-based, in-house customer service and claims teams, if you need to.

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Fee-free changes

Make adjustments to your insurance at any point, with no fees to tweak your policy.

Insurance for injectable beauty treatments

1

Treatment cover

For any beauty therapist offering aesthetic beauty treatments via injections, treatment cover is the cornerstone of your insurance policy. We can cover a range of injectable treatments, including:

  • Dermal fillers (including Juvederm, Belotero, Teosyal and Emervel)
  • Botulinum Toxin (including Botox® and Dysport®)
  • Mesotherapy (injections of vitamins, enzymes, hormones and plant extracts)

In the unfortunate event that your treatment causes a client to suffer an injury, illness, disease or permanent disfigurement – or even die – then your treatment insurance will kick in and can cover:

  • Damages you're liable to pay to the client
  • Costs and expenses associated with defending you
  • Legal representation costs associated with a criminal inquiry into manslaughter or corporate homicide
  • Legal representation costs in the event of an alleged breach of health and safety or consumer legislation

Also, if you or one of your employees is required to attend court in relation to a claim, then you'll be compensated at a rate of £250 a day.

2

Public liability insurance

While treatment cover (see above) is what you need to be protected for injuries caused by the injectable treatments you perform, your policy will also include public liability insurance.

This can cover your legal and compensation costs in the event that any member of the general public (including customers, but not your employees), takes legal action against you for injury or property damage caused by anything other than the treatment itself, such as a slip or a trip in your salon.

Simply choose from £1 million, £2 million or £5 million of cover.

3

Portable equipment cover

Running any beauty business involves using a fair amount of specialist equipment, and this is especially true if you offer injectable treatments such as dermal fillers.

Our business equipment insurance covers the cost of repairing or replacing accidentally damaged, lost or stolen equipment, including the gear you use for treatments as well as electronic essentials like your laptop or phone.

You can choose equipment cover up to £10,000 with a limit of £2,500 per item, and you and your employees' gear will be covered anywhere in the UK or temporarily worldwide.

4

Employers' liability insurance

Employers' liability cover is a legal requirement for most businesses in the UK with employees - regardless of whether your team is made up of temporary or part-time staff.

Superscript's employers' liability insurance includes £10m of cover as standard and your business will be covered for employees even if they are working temporarily outside the UK.

5

Accident and sickness insurance

Accident and sickness insurance comes in three parts to cover workers aged between 16-69.

Firstly, it’s designed to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.

And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.

6

Cyber insurance

You may be surprised to see this one on the list, but cyber insurance is relevant to any business that stores personally identifiable information, including many beauty and aesthetics businesses.

As a beauty business, you'll likely store information about your clients in your database, such as names, email address and even birth dates. This could make you the target of data theft, or result in someone accidentally breaching GDPR legislation by sending out a company email to people who haven't officially opted in to receive them.

Our cyber insurance includes cover for hacking and ransomware, as well as loss of income during a denial-of-service attack. Plus, you'll have access to an industry-leading 24/7 breach response helpline for advice and support in the event of a hack.

What isn't covered by injectable treatment insurance?

We'd love to be able to cover every situation an aesthetic beauty therapist might encounter when administering injectables but, as with all insurance policies, there are some things we cannot cover:

  • Steroid injectables, weight loss injectables, Kenalog, “Devil Lips”, Botulax, Lipostabil, Flabjab, Lipomelt, Liposdissolve, Fat-Away, Essentiale, Cellfina or Celluerase.
  • Any injectables that have not been on sale in the UK or in use in the UK for more than two years.

Injectable beauty treatment insurance T&Cs

In order to be fully covered by your insurance, you must ensure that whenever prescription injectables are administered:

  • The injectables are prescribed by a qualified and registered dentist, doctor, independent nurse prescriber or supplementary/pharmacist prescriber
  • A face-to-face assessment is performed by the practitioner and the treatment assessment and consent form is recorded in writing on the client file
  • The prescriber issues specific instructions to the administer on how the injectables are to be administered to the client
  • You keep a record of the persons prescribing and administering the injectables, and details of their insurance covering prescribing and administering of injectables
  • Only licensed brand injectables and products that are CE or UKCA marked are used.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Be quote confident  

We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.

So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.

As you'd expect, T&Cs apply.

Meet our claims team

This is Charlotte, our in-house senior claims executive here at Superscript. Hi, Charlotte!

If you are making a claim for lost, stolen or damaged equipment, then Charlotte or one of our expert claims team will ask you as little as six quick questions, such as 'when and how was the item damaged?' and 'do you have proof of purchase?'.

Once you've answered the questions, they can then begin to resolve your claim and send your payment for processing that very same day!

If your claim is for legal or compensation costs, then the team will handle the process for you and keep you updated every step of the way.

How do insurance claims work for beauty treatments?

The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.

If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.

1

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.

2

We'll get on the case

We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We’ll keep you updated on the next steps as the claim progresses.

3

A decision is made

We’ll let you know if your claim is successful or not. If your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Injectable treatments insurance FAQs

How much does injectable treatment insurance cost?

The cost of your insurance premium will depend on a number of factors, including:

  • Which treatments you offer
  • Your annual turnover
  • Whether you employ anyone and, if so, how many employees you have
  • The combination of covers you choose to include
  • The limits you select

Do practitioners offering injectable treatments have to get insurance?

Most insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for most businesses in the UK with employees.

For practitioners offering injectable beauty treatments, holding liability cover is not legally required. However, in the event that a client is injured or becomes ill as a result of the treatment, they may choose to make a claim for significant sums of compensation against your business. Treatment insurance can cover the legal and compensation costs involved.

What treatments are covered by injectables treatment insurance?

Our treatment cover for injectables includes cover for:

  • Dermal fillers (including Juvederm, Belotero, Teosyal and Emervel)
  • Botulinum Toxin (including Botox® and Dysport®)
  • Mesotherapy (injections of vitamins, enzymes, hormones and plant extracts)

How many practitioners can be covered in one policy?

Our aesthetics treatment cover can insure businesses with up to eight practitioners performing treatments.

Do you need to be qualified in order to be insured when offering injectable beauty treatments?

Yes, in order to be covered by Superscript's treatment cover, you will need to either be:

  • A qualified dentist, doctor, independent nurse prescriber or supplementary/pharmacist prescriber

Or

  • Hold an NVQ level 3 or equivalent beauty qualification

You don't have to provide documentary proof of your qualifications in order to take out your policy, but if you are not qualified, any claim you make will likely be declined.

Are there any injectable treatments that cannot be covered?

We cannot provide cover for steroid injectables, weight loss injectables, Kenalog, “Devil Lips”, Botulax, Lipostabil, Flabjab, Lipomelt, Liposdissolve, Fat-Away, Essentiale, Cellfina or Celluerase.

We also cannot cover any injectables that have not been on sale in the UK or in use in the UK for more than two years.

Can you cover mobile beauty therapists?

Yes, our treatment insurance can cover your liability in the event of a client being injured, killed or becoming ill as a result of the treatment, whether you're a mobile practitioner or you're based in a clinic or salon.

Can I get insurance for prescription-only injectables?

Yes, our injectables treatment insurance can cover the injection of prescription-only medicines (POMs) such as Botox.

If you are offering prescription-only injectables, then in order to be covered, you will have to ensure you meet certain terms and conditions (outlined above).

Does your public liability cover treatments?

Our public liability insurance covers you for injury to your client (or any member of the public) or damage to their property caused by any factor in your work other than the treatment you're providing. Public liability can cover injuries caused by things like slips and trips in your salon or damage caused by a drink being spilled on a customers phone.

Your treatment cover will be the part of your policy that covers injury to a client if you're offering invasive injectable treatments such as dermal fillers or Botox.

Will my equipment be covered if it's stored in my car, while traveling to and from appointments?

Yes, if you have contents and equipment cover, your equipment will be covered while in transit.

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