Cosmetic insurance


Bespoke Cosmetic insurance for professionals and clinics

The predominant risk to you as a practitioner in this industry emanates from the treatments you provide. Allegations of professional negligence and medical malpractice claims resulting from treatments are becoming increasingly costly.

We can provide bespoke insurance cover designed specifically for the individual needs of your cosmetic business. Whether you are a mobile practitioner or own a chain of cosmetic clinics, our team can advise you on the level of cover that’s right for you.

Who we cover:

  • Medical professionals
  • Non-medical professionals
  • Freelance practitioners
  • Aesthetic clinics
  • Aesthetic trainers
  • Beauticians

Our policy covers:

  • Medical Malpractice cover – standard limit of €5,000,000 and a higher limit of €10,000,000 is available on request.
  • Public Liability cover – we offer a standard limit of €2,000,000 to allow our clients to work in multiple clinics and can also provide cover to clients that have their own clinics. Higher limits of €5,000,000 and €10,000,000 are available on request.
  • Personal Accident cover – we offer protection for our clients and their employees with a Capital Benefit of €25,000.

Some of the treatments we cover include:

  • Botulinum toxin – policies will automatically cover the face and neck area; injections are not site specific
  • Dermal fillers – policies will automatically cover the face and neck area; injections are not site specific
  • Chemical peels
  • Medical needling
  • Radiofrequency
  • Mesotherapy including facial rejuvenation, cellulite treatments, hair treatments, vitamin injections
  • Laser treatments including IPL, LHE, LED
  • Body contouring, machines
  • Thread lifts
  • Weight loss injections
  • General beauty treatments
  • Sclerotherapy
  • Tattoo removal
  • Teeth whitening
  • Holistic therapies including massage, reflexology, lymphatic drainage and acupressure

If you don’t see a specific cosmetic treatment listed please submit your enquiry, and we will do our best to assist you. The list of treatments we cover is continually updated as they become available to the market due to trends and customer demands.


Other covers available are:

  • Employers liability
  • Buildings
  • Contents
  • Business Interruption
  • Portable equipment including laptops and medical equipment
  • Commercial legal protection
  • Cyber cover to protect your client’s data
  • Income protection

Ready when you are

Do you have an existing policy with Howden?
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0818 223000

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