“Do You Know What Your Medical Malpractice Insurance Covers?”
A friendly reminder for aesthetic practitioners to check what’s really in their policy.
When you’re running an aesthetics business, your time is spread thin. Clients, stock, training, compliance… it never ends. So we get why your insurance schedule might not be at the top of the list.
But here’s the thing: most aesthetic practitioners we speak to think they’re fully covered… and they’re not. It’s no one’s fault, insurance schedules aren’t exactly easy reading—but if a claim ever comes in, that fine print suddenly matters a lot.
At Enhance, we see ourselves as more than just brokers. We’re here to help you make sure your cover reflects the work you do, not just what’s written down from last year. Here’s what to check (and why).
1. Limits of Indemnity
That £1 million cover? It might not stretch as far as you think.
Your limit of indemnity is the maximum your insurer will pay if a claim is made. Some policies are per claim, some are per year, and the difference can be huge. If you’ve scaled your business, added higher-risk treatments, or work across multiple clinics, you might need more than you did when you first took out your policy.
Tip: If you haven’t looked at your limit in the last 12 months, now’s a good time to review.
2. Policy Excess
How much would a claim cost you?
An excess is the amount you’d pay before your insurer covers the rest. It might be zero in some cases, or higher for certain types of claims. Many practitioners don’t realise how this works until they’re facing a complaint, and then the numbers come as a shock.
Knowing your excess helps you make informed choices and realistically manage your risk.
3. Treatments Covered
If it’s not listed, it might not be covered.
You’ve trained in something new, Amazing. But unless you’ve told your insurer and had it added to your policy schedule, you may not be insured to carry it out.
Insurers won’t always assume a treatment is covered just because it’s popular. And many policies won’t automatically add new treatments, even with proof of training. That’s why it’s so important to keep your treatment list up to date.
Quick win: Send your broker an updated treatment list whenever you complete new training.
4. Endorsements
The hidden conditions in your policy.
Endorsements are small notes or amendments to your policy, often at the bottom or in the fine print. They can say things like “only covered if the practitioner has 6 months of experience” or “treatment must be carried out using X product.”
They’re easy to miss, but if something goes wrong and you haven’t met that condition, you might not be covered at all.
It’s worth reading these clearly (or getting your broker to walk you through them).
5. Exclusions
Every policy has them. Know yours.
All insurance policies exclude certain things. It could be a product used off-label. It could be a claim related to your website or social media. It could even be a certain type of adverse reaction that is not considered “negligence.”
You don’t need to be paranoid, but you do need to know what’s not included, so you can either work around it or look at other options for Medical Malpractice Insurance.
Final Thoughts
You don’t need to become an insurance expert; that’s what we’re here for. But knowing the basics can help you protect your business properly and avoid getting caught out.
If you haven’t looked at your insurance schedule recently, give it ten minutes this week. And if you’re not sure where to start? Just reach out.
At Enhance, we’ll happily review your schedule with you and make sure everything aligns with the treatments you actually offer, no jargon, no pressure.
Your business is personal. Your cover should be too.
