Business Details
30 Years
experience
Trusted Aesthetic Insurance Solutions in London
Hamilton Fraser has been at the forefront of aesthetic insurance since 1996, establishing itself as the UK's leading provider of medical malpractice insurance for the cosmetics sector. Our expertise stems from over 25 years of dedicated service, during which we pioneered the first commercial insurance policy tailored specifically to the cosmetic industry. As part of Brown & Brown, Inc.one of the world's largest insurance brokerage firmswe leverage global resources and partnerships to deliver innovative solutions.Our team of expert advisers combines deep industry knowledge with a commitment to raising industry standards through CPD-accredited presentations, specialist guides, and active collaboration with leading aesthetic organisations. We prioritise lifetime partnerships with clients, offering tailored insurance products that protect practitioners, clinics, and equipment while supporting the evolving needs of the sector.
Services
Medical Malpractice Insurance
Public Liability Cover
Cyber Liability Insurance
Clinic Insurance
Professional Indemnity
Home Insurance for Clinics
Commercial Property Insurance
Details
- Year established: 1996
Highlights and features
- Outstanding customer service from aesthetic insurance specialists
- Tailored policies covering clinics, equipment, and specialist treatments
- CPD-accredited educational resources and industry-leading expertise
- Active role in raising sector standards through regulatory engagement
- Flexible policy additions including cyber liability and legal expenses
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Competitive quote
Super helpful staff
Knowledgeable specialists
Straightforward process
Services
Medical Malpractice Insurance
Specialist insurance protecting aesthetic practitioners against allegations of negligence during treatments. Covers legal costs and compensation claims for injectables, laser procedures, and cosmetic surgeries. Tailored policies ensure compliance with evolving regulatory requirements while supporting practitioners' professional indemnity needs.
Public Liability Insurance
Protection against claims from client injuries or property damage occurring during business operations. Includes coverage for premises-related incidents and mobile practitioners' work-away locations. Policies provide financial security for legal expenses up to 2m as standard.
Clinic Insurance
Comprehensive protection for owned or leased clinic premises against storm, flood, theft, and accidental damage. Covers specialist equipment, stock, and business interruptions while offering optional cyber liability extensions for digital risk management.
Home Insurance for Clinics
Tailored home insurance solutions for aesthetic practitioners operating from residential premises. Includes buildings, contents, and liability coverage while ensuring compliance with insurers' requirements for clinical treatments conducted at home.
Cyber Liability Insurance
Specialist coverage against data breaches and cyber attacks affecting client records and business systems. Includes support for regulatory fines, IT recovery costs, and business continuity following cyber incidents impacting aesthetic practices.
Questions
What does medical malpractice insurance cover?
Covers legal costs and compensation claims arising from alleged treatment negligence, including injectables, laser procedures, and cosmetic surgeries.
Can non-medics get insurance coverage?
Yes, non-medics receive coverage for specific treatments subject to qualification requirements, excluding injectables for beauty therapists.
How are policy prices determined?
Pricing depends on treatment risk categories, with packages from £112/year for basic beauty treatments up to bespoke specialist coverage.
What happens after policy cancellation?
Run-off cover remains available to protect against claims for treatments performed before policy end dates.
Do you cover home-based clinics?
Yes, we offer tailored home insurance solutions that specifically address clinic operations conducted from residential premises.
How do I add new treatments to my policy?
Submit training certificates and income details for assessment to extend coverage to additional treatments.
Reviews (2)
Shaun Collier
Nov 20, 2021
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Please read if you have a current policy with these. Weve had ongoing vexatious/fake claims for 4 years. This company and our allotted solicitors have made a business decision to settle a clearly fake claim by a serial claimer - despite us supplying the same documentation over and over again (worrying that confidential information hasnt been received allegedly). The claim that they want to settle, without our permission - thats right, read the small print, theyll override your wishes because its a better business financial decision outcome for them, is easy to defend, but cheaper
Roxie Hague
May 02, 2021
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The staff are useless and can't change my mobile number. Then the 6th time I rang the man who couldn't get it right decided to have an attitude with me, ending the call as I was thanking. So rude, feel like going elsewhere!
