Medical indemnity insurance for dentists
For aesthetic dentists, medical indemnity insurance is a vital safeguard against potential claims
It is important to make sure you are compliant with professional standards. Since 1996, Hamilton Fraser has specialised in providing tailored insurance solutions for aesthetic practitioners, offering comprehensive coverage that aligns with General Dental Council (GDC) requirements and addresses the diverse needs of dentists working in aesthetics.
The GDC’s guidance says dentists offering non-surgical aesthetic treatments must have the appropriate indemnity cover.
Insurance will become a legal requirement under proposed new regulations and a licensing scheme for cosmetic practitioners, which are likely to come into effect in late 2025/early 2026.
Dentists in the aesthetics field face unique risks, such as complaints of dissatisfaction or negligence. Without adequate insurance, practitioners could face significant personal financial liability for legal and compensation costs. Medical indemnity insurance protects your professional reputation, provides peace of mind, and assures patients of your commitment to the highest standards of care.
Legal protection: Covers legal defence costs if a claim is made against you. This includes claims related to treatment errors, adverse outcomes, or negligence
GDC compliance: Makes sure you meet mandatory requirements for insurance, safeguarding your ability to practice legally
Reputation management: Demonstrates your professionalism and instils confidence in patients within the competitive aesthetics market
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Our article, ‘7 reasons why you need cosmetic insurance’ explains the benefits in more detail.
We have built a reputation as a leading provider of aesthetic insurance by working closely with key organisations such as the British Association of Cosmetic Dental Professionals (BACDP), the Joint Council for Cosmetic Practitioners (JCCP), and others.
Award-winning policies
Voted ‘Best Service and Solution Provider’ at the Aesthetics Awards 2025, with an impressive 4.96-star customer rating on Smart Money People
In-house claims team
We know how important your reputation is. That’s why our in-house claims experts are here to support you with fair, fast guidance when it matters most.
Comprehensive coverage
We are proud to cover the most comprehensive range of treatments and can tailor policies to your needs as an aesthetic professional
Educational resources
CPD-accredited events and resources, such as the Aesthetics Business Conference, to help practitioners safely grow their careers
“At Hamilton Fraser, we recognise the importance of claims support. We are here to provide assistance and advise you when you need us the most. What sets us apart from other leading insurers is that we have the authority to discuss and approve gestures of goodwill refunds and free treatments to patients if they are dissatisfied with the results. This means that if you have an unhappy patient who is not happy with the results, we do not need to refer to the Insurers. Refunds and free treatments are commercial decisions by you/your company, but we can assist with the wording of the offer letters to prevent it from becoming a formal claim. This type of dissatisfaction will not be recorded as a claim on your policy. Any injury is reportable to insurers, but we are still on hand to assist throughout the entire claims process.”
High coverage limits: Up to £10 million in indemnity coverage, with a standard limit of £5 million
No policy excess: No excess required for botulinum toxin and temporary filler treatments
Extended reporting period: Coverage for claims made up to five years after your policy ends
Public and product liability: Protection against third-party injuries or property damage
Customisable policies: Options to add coverage for cyber liability, clinic insurance, and more
Free legal helpline: Access expert legal advice with a free 30-minute consultation with a healthcare legal advisor
At Hamilton Fraser, we understand the risks – and rewards – of working in aesthetics. That’s why our dedicated, in-house team is here to support you with expert guidance, fair claims handling and cover built around your needs. Get your quote today and feel confident in your cover.
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