Business Insurance

Jensten Insurance Brokers are specialists in the following:

• Technology Insurance
• Life Science Insurance
• Construction Insurance
• Motor Insurance
• Recruitment Insurance

Business Insurance 

Enhance Insurance Services is part of the Jensten Group of companies, offering a range of business insurance products and services to the cosmetic, beauty and aesthetics industry. We believe in providing the highest quality service to our clients which is why we want to introduce you to our specialist team at Enhance as well as the wider insurance services offered within our Group. 

Protecting Your Business

Business insurance is there to help protect your business against any claims that may be made against it. It’s intended to cover a variety of different risks such as legal liability, damage to stock, equipment and property and also employee-related issues.

In addition to the Medical Malpractice and Treatment risks policies offered by the Enhance Insurance Services team, Jensten Group are able to offer advice and insurance products to a wide spectrum of industries and have specialisms in the following: 

• Professional and Financial Lines
• Media and Marketing
• Technology 
• Life Science 
• Construction Professionals and Developers
• Recruitment and Umbrella Companies
• Transactional Risks

Why Do I Need Business Insurance?

Like all businesses, there are a number of risks involved in the cosmetic, beauty and aesthetics industry. Almost immediately as you come into contact with a client or an employee and access to their personal details, you are at risk and have the potential to be liable for claims made against you if anything were to go wrong. 

We hope this will never happen, but it is important to protect yourself and your business by having the right insurance in place in case an issue should arise. 

Cosmetic insurance is designed for businesses who deal with cosmetic procedures and the day-to-day risks they bring, this includes: 

• Medics & Non Medics
• Sole traders & Practitioners
• Mobile & Salon Based Practitioners
• Aesthetic practitioners
• Medical professionals
• Beauticians
• Tattoo artists
• Hair Salons
• Cosmetic Clinics 
• Tanning Salons 

And more…

Many cosmetic businesses can be high risk. Treatments including Dermal Fillers, Botox treatments, Micro Pigmentation and medicines are evolving constantly and this is why it is imperative to ensure that you and your clients are covered if anything were to happen. 

Having the right type of cover can mean the difference between surviving, or not, if anything were to happen. Insurance for your business can help cover the costs incurred by the many risks you could be exposed to. It can help you to protect your employees and clients too. 

If you employ people as part of your business structure, you are legally required to take out Employers’ Liability Insurance. Although holding other types of business insurance isn’t usually a legal requirement, it is strongly recommended you do so, especially for those in the cosmetic industry as you are particularly vulnerable to complicated risks surrounding cosmetic procedures and treatments. 

It is imperative to protect your business and its reputation against possible negligence claims and more.

Product Liability Insurance for a cosmetic business is vital, as it offers protection against allegations that a product has caused a loss, damage or injury to the user of the product. It can help to cover the cost of compensation claims if someone is injured, which is especially important because in certain situations you may be liable even if you haven’t manufactured the product. 

Professional Indemnity & Treatment Risks insurance can protect you and your business should a client or an employee accuse you of professional negligence which causes them a financial loss. For example, if a client believes that following your professional advice they lost money or have suffered reputational damage.

Breach of professional confidentiality: A breach of confidentiality occurs when data or information that is provided in confidence to you by a client or an employee is disclosed to a third party without their consent. Most of these breaches are unintentional, however, a claim against you can still be made as a result. 

Employers’ Liability Insurance protects businesses against employee claims for injury or death. It’s one of the key types of insurance that you need because if one of your employees falls ill or sustains an injury from the work they do, you could be held liable. 

We understand that the safety of your employees is of utmost importance and as an employer it is vital to uphold that responsibility. Something as simple as slipping on a wet floor could lead to a claim being made against you. 

Business Contents Insurance: Your business equipment and furnishings are integral to its success and business contents insurance can help you to make sure that you can continue trading should you lose property at your business premises. This type of insurance in intended to respond if your property is stolen or damaged by covering the cost of repairing or replacing these items. 

Computers & Equipment: Virtually all companies use technology and computers for the essential running of their business, this could be from communication all the way to manufacturing. With such reliance on technology, it is important to have insurance for these pieces of equipment should something go wrong.