Cosmetic Education & Training Provider Insurance
As a training and education provider to the medical and aesthetics industry, you are responsible for providing guidelines surrounding the best practice, anatomical knowledge and technical skills to a range of medical professionals, both new and experienced.
Whether you offer one-time or scheduled courses over a longer period it’s important for you to ensure you have the right insurance in place. Business insurance for medical and aesthetics training course providers can protect you against some of the risks you may face in this profession. These can include medical negligence during a live demonstration, errors and omissions, or, a defamation claim or loss of client data. As a training course or medical educational establishment you are vulnerable to claims being brought against you for a variety of elements. You might also be interested in our cosmetic insurance.
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What are some of the things that our insurance covers?
Negligence
Failing in your ‘duty of care’ to your client, such as giving incorrect advice or making a mistake in your work.
Defamation
Using or producing any material about other companies that may cause offence and that risks going beyond the intended internal audience, such as using case studies during an internal training session.
Loss of professional documents / data
Includes damaged, missing or destroyed data belonging to a client or business while in your possession.
Intellectual property
Unintentional infringement of copyright, trademarks or broadcasting rights. This includes any imitation or passing another’s products/services off as your own. For example, clinics using photos of other business, practices or work.
Cyber & Intellectual Property
This would fall under a data and cyber policy, this includes the damaged, missing or destroyed data to a client business while in your possession
Dishonesty
A director, employee or self-employed freelancer contracted to you is involved in a theft from the client or your business.
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Why do you need professional indemnity insurance for your
courses?
Professional Indemnity Insurance is a must-have for aesthetic and cosmetic training courses, along with contingent or full Medical Malpractice insurance for cosmetic trainers. In addition, depending on the unique needs of your business you may also need to get professional indemnity insurance cover. This protects you if something were to go wrong with a treatment such as laser treatment based on the advice given to an attendee on the course. Professional indemnity also covers manuals and articles too.
Why do you need public liability insurance for your courses?
As a training course provider, you may work from a variety of locations, but a simple mistake such as spilling a drink on a delegate’s computer could make you liable to pay damages. If you have a permanent establishment and a delegate or member of the public is injured as a result of a negligent act, e.g trips over a faulty or damaged area of flooring, then you may be found liable to pay compensation.
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Why do you need group business travel insurance for your courses?
The UK is renowned for having some of the world’s very best aesthetic and cosmetic surgeons, doctors, dentists and nurses. Therefore, it is likely that as a trainer you might be called overseas to demonstrate your skills, knowledge and cutting edge techniques to peers. Regular travel insurance that you purchase online or that is provided through your bank may not cover you for carrying out business. There may be restrictions in geographical limits under the policy and it is unlikely that it will provide cover for things like kidnap and ransom, which can be high risk in certain areas of the world. It is important you have the right cover in place to ensure you are adequately protected.
