Business Details
30 Years
experience
Your Trusted Aesthetic Insurance Partner in London
Hamilton Fraser has been a trusted leader in the insurance industry since 1996, specialising in medical malpractice insurance for the aesthetics sector. As the UK's leading provider, we combine over 25 years of experience with a commitment to raising industry standards and delivering exceptional customer service. Our team of expert advisers possesses in-depth knowledge of aesthetic insurance, offering tailored solutions to protect practitioners, clinics, and specialist equipment. We actively support the aesthetic sector through partnerships with leading organisations and share our expertise via CPD-accredited presentations, guides, and industry events.Our mission is to provide comprehensive insurance coverage while fostering innovation and practical solutions for our clients' unique needs. Backed by Brown & Brown, Inc., a global insurance brokerage, we leverage extensive resources and partnerships to ensure robust protection and risk management for our clients. Our dedication to transparency, integrity, and adaptability underpins every service we offer.
Services
Medical Malpractice Insurance
Public Liability Cover
Professional Indemnity
Home Insurance
Commercial Insurance
Details
- Year established: 1996
Highlights and features
- Our team of expert advisers have over 60 years of combined experience in aesthetic insurance.
- We provide tailor-made insurance to protect clinics, specialist equipment, and aesthetic professionals.
- We share industry expertise through CPD-accredited presentations and specialist guides.
- We actively collaborate with leading organisations to raise standards across the aesthetic sector.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Competitive quote
Super helpful staff
Straightforward process
Services
Medical Malpractice Insurance
Protects aesthetic practitioners against allegations of negligence during treatments. Covers legal costs and damages for qualified professionals including doctors, nurses, and dentists. Essential for safeguarding careers and clinics against claims arising from injectables, laser treatments, and surgical procedures.
Public Liability Insurance
Covers claims if clients suffer injuries or property damage during treatments. Protects against legal expenses and compensation costs for incidents like slips, trips, or equipment-related accidents. Required for premises owners and included as an extension for mobile practitioners.
Professional Indemnity Insurance
Protects against claims for inadequate advice or services provided. Covers legal defence costs and settlements for disputes over treatment outcomes or business decisions. Essential for aesthetic professionals offering consultations or training services.
Home Insurance
Tailored policies for home-based aesthetic practices. Covers buildings, contents, and specialist equipment against risks like fire, theft, and water damage. Requires existing medical malpractice insurance and ensures compliance when operating a clinic from residential premises.
Commercial Insurance
Comprehensive protection for aesthetic businesses against property damage, cyber risks, and legal liabilities. Includes coverage for business interruption, employers' liability, and directors' duties. Designed for small practices to large corporations with flexible policy options.
People
Mark Moloney
Industry Representative
Aesthetic industry expert with extensive experience in entrepreneurship and event management. Regular speaker at conferences like BAMAN Autumn Aesthetic Conference, sharing insights on sector trends and best practices.
Questions
What is medical malpractice insurance?
Medical malpractice insurance protects practitioners against legal costs and damages from allegations of negligence during aesthetic treatments.
Do I need a corporate or private policy?
Corporate policies are required for limited companies, covering the business and employees. Private policies apply to individual practitioners.
Will I be insured for treatments outside my premises?
Policies are not premises-specific but underwritten territorially, allowing coverage for mobile services or multiple clinics.
Can I add new treatments to my policy?
New treatments can be added if covered, requiring training certificates, no outstanding claims, and income details.
What happens when my policy ends?
You can renew with us or transfer providers. Consider run-off cover to protect against claims for up to three years post-treatment.
Reviews (4)
Kirsty Blake
Apr 11, 2022
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As a letting agent we use Hamilton Fraser's HF Assist feature whereby we can call or email for any legal advice. I generally speak with Dale or Julie and they are both so helpful and efficient, but anyone I have spoken to there have been great. I use them regularly and they always come back to me swiftly with a comprehensive and informative response, and there is often a bit of humour thrown in too, which is always welcome when things get a bit stressful!
It's so nice to know that if I'm unsure on anything, or just want someone to back me up and ensure that I am advising my clients correctly, they can clarify things quickly and easily for me. I don't know what I'd do without them!
It's so nice to know that if I'm unsure on anything, or just want someone to back me up and ensure that I am advising my clients correctly, they can clarify things quickly and easily for me. I don't know what I'd do without them!
Ra Ja
Mar 01, 2022
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Beware, please never sign up with this insurance company. Once you join you are stuck for life. They work on a "claims made basis" so that you can never change insurers or get out of their trap, as if you leave you will not be covered for even retrospective claims. They have no humanity or empathy. Our doctor had an accident and will not be able to work for another few months. Whilst every other company including MPS immediately responded positively with freezing the account for the duration (and even refunding some amount!), HF bluntly said the options are to continue paying them or cancelling and putting yourself at risk. They have no intention to help or look after their clients, they are out there to prey on them.
Levina Banzi
Feb 22, 2022
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When you call to make a claim, you will be diverted to voicemail. You leave a message and no one return the call. But when it's time to renew your policy, they will harass you with several calls daily. I will never use it again. What kind of insurer close claim line at 5pm anyway? By far they are the worst insurer I've ever used!
Roxie Hague
May 29, 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!
