What Is Chemical Peel Treatment Insurance?
Chemical peels are widely used by many to rejuvenate and bring life to our skin. They help remove dead skin and also begin to stimulate the growth of new skin. Chemical peels are great for reducing acne and come in several forms.
The main three types of peel you will come across are superficial, medium and deep. Superficial and medium strength chemical peels are for the most part safe and are not permanent, meaning there will need to be subsequent treatments. Deeper chemical skin peels are more permanent and because they are going deeper into the skin do come with slightly greater risk.
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Why Do You Need Insurance For Chemical Peel?
With all cosmetic treatments, there is an element of risk. For chemical peels, the deeper the peel the higher the chance of risk. For any skin clinic offering chemical peels, it is vital to ensure that you have the correct cosmetic insurance. This will help prevent undesirable complications from turning into costly problems for your clinic. Making sure that you have the right Cosmetic Insurance helps avoid any surprises for you and your clinic.
The team at Enhance Insurance are here to help you understand the different types of cosmetic insurance. With the detailed knowledge that our team has, we will be available to assist you with any of your Aesthetic &Medical Malpractice Insurance requirements.
What Insurance Is Recommended For Practices Offering Chemical Peel Treatments?
If your practice is offering chemical peel treatments it’s essential that you have the correct level of cover in place to protect you from claims. To help reduce the financial risk of these claims you should invest in an insurance protection that covers the common risks that a practice providing Chemical Peel treatments typically faces.Such protection will usually include the following insurance products:
- Public Liability Insurance
- Employers’ Liability Insurance
- Business Interruption Insurance
- Goods In Transit Insurance
- Professional Treatment Risk
Depending on the nature of your business additional insurance products may be required. If you are unsure of what types of insurance your practice requires, we recommend that you speak to one of our specialist insurance brokers.
What Insurance Is Legally Required For Chemical Peel Treatments?
In addition to insurance cover for the Professional Treatment Risk the other cover typically legally required is Employers’ Liability Insurance. For all businesses operating within the United Kingdom that employ members of staff, whether it be part-time, temporary or permanent, employers’ liability insurance is required. Employers’ liability insurance provides your business with cover for claims it is legally liable to pay in the event that a member of staff claims against it. Common reasons for these claims can include lack of appropriate training or injury in the workplace arising from negligence of the business.
Why Would The Practice Need Goods In Transit Insurance?
Cosmetic practices have a heavy reliance on cosmetic supplies to be able to provide treatments, this is especially true for practices offering chemical peel treatments. If a delivery containing essential supplies and equipment fails to arrive on time or gets lost in transit, your practice may suffer a financial loss through no fault of your own.
Goods in transit insurance offers protection when your supplies are in transit from suppliers. This ensures that if there were to be any problems with supplies or equipment arriving, your practice won’t be put at any unnecessary financial risk.
Why Would The Practice Need Professional Treatment Risk Insurance?
Professional treatment risk insurance offers your practice an added layer of protection against high-risk cosmetic treatments such as chemical peel. When performing this treatment you are vulnerable to a range of different claims and due to the nature of the treatment, clients will not hesitate to take legal action. Professional Treatment Risk insurance takes into consideration the risks involved with your cosmetic treatments and offers cover against the common risks you are vulnerable to.
Why Would The Practice Need Business Interruption Insurance?
As for any cosmetic practice, there is a huge reliance on clients coming through the door to generate revenue. If there were to be any interruption to this, there would be a significant reduction in revenue but your business would still have most of the same overheads of bills and staff salaries, leaving you at risk. Business interruption insurance offers cover for loss of income during periods when you cannot carry out business as usual due to an unexpected event. This cover is generally linked to events which have caused damage to your premises such as fire or storms, but may also extend to interruptions resulting from the breakdown of equipment.
