It can be confusing to decide the types of insurance that your cosmetic treatment business needs..
We will spend time with you to understand your business, identify the risks you face and then recommend what insurance you must have, should have and could have. But in the meantime the table below tells you more about the insurance that a business in the cosmetic surgery sector should be considering.
We can help businesses in Bromsgrove, Evesham, Droitwich Spa, Redditch, Worcester, Warwickshire, West Midlands and further afield.
To insure the buildings against damage such as fire, storm, flood or escape of water.
Damage to equipment at and/or away from the premises. This can include breakdown and consequential losses (usually applies to larger systems only).
Cyber insurance can cover damage to equipment for example by, computer hacking.
To insure the business contents and stock against damage such as fire, theft or escape of water.
To cover damage to fixed glass and sanitary fittings.
To cover lost income and the costs of keeping the business running following insured damage at the premises.
Cyber insurance can cover loss of income following a data breach, denial of access or cyber attack.
Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees. You may also need this if you use self-employed workers. This is a compulsory insurance.
Usually added to Directors’ & Officers’ Liability insurance, this protects the business in the event of an alleged wrongful employment act.
To cover legal defence costs and awards made against you arising from your liability for physical or emotional harm caused during medical treatment.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of products or services supplied by you.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities (but not products supplied).
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
