Hamilton Fraser
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🩼 Leading provider of cosmetic insurance services.
"Back then it was very under the radar."
Eddie Ho**er on what UK aesthetics actually looked like in 1996.
Toxins and fillers weren't new. They'd been used medically since the 70s and 80s. What was new was practitioners spotting demand for them outside their medical use, from patients who wanted to feel better about how they looked.
At the time, the market was film stars, celebrities, the wealthy. Nobody talked about it. It was taboo.
Two things changed that. The internet first, then social media. Treatments like "the Botox jab" started becoming acceptable to talk about, and the industry moved from the shadows into the mainstream. From frozen-face results in the late 90s, to the subtle, artful work practitioners deliver today.
"The more people saw and heard about these treatments, naturally, the more people wanted to get hold of them."
Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4vKo3Wj
🎙️ "Swelling is telling the patient that it's working."
Dr. Arturo Almeida on why swelling is the number one complaint after fat dissolving treatments, why 85% of complications are mild and self resolving, and why the conversation with the patient matters as much as the treatment itself.
Listen to the full episode of the Aesthetics Business Cast 👉 https://bit.ly/4gvaIwx
06/08/2026
If you're treating patients regularly as an aesthetic practitioner, it's more than likely you've had a case that kept you awake at night. A complication after treatment. A complaint that felt unfair. A review that shook your confidence. A claim notification that arrived unexpectedly.
These moments affect the practitioner too. Feelings of guilt, anxiety, self-doubt and fear are normal reactions, even when you have acted professionally and provided care to a high standard.
We've published a new piece exploring the emotional impact of adverse outcomes in aesthetic practice, and the practical steps that can help.
Read it here 📖
https://bit.ly/44W0oqd
05/08/2026
"If there's been a break in cover and the policies are claims-made, you have to have the policy in place at both the time of the procedure and when the claim comes in."
That's Ella Vranjkovic from Hamilton Fraser's claims team — describing one of the most common liability traps the team sees.
Many practitioners assume that restarting an insurance policy automatically covers past treatments. Under claims-made policies (including Hamilton Fraser's malpractice cover), it doesn't. Pausing your insurance — even briefly — can leave you personally exposed for treatments carried out while you were uninsured.
Read the full guide to liability and claims-made cover 📖 https://bit.ly/43vhPgz
04/08/2026
We're proud to announce Hamilton Fraser as the official insurance partner of RAMCE 2026.
The Regenerative Aesthetic Medicine Conference and Exhibition, hosted by the The Regenerative Aesthetic Medicine Institute , is the UK's leading event dedicated entirely to regenerative aesthetics. It brings together clinicians, researchers and industry leaders for a full day of independent, evidence-led education.
Partnering with RAMCE reflects everything we believe about our sector. Progress driven by clinical excellence, robust standards and proper protection for the practitioners at the heart of it all.
Saturday 7 November 2026, Pullman Hotel London St Pancras.
Register 📖
https://bit.ly/4hze7us
04/08/2026
The Government has announced a new 20% business rates discount for eligible pubs, social clubs and live music venues in England from April 2027. Aesthetic clinics and beauty salons are not included.
For many clinic owners, business rates sit alongside rent, insurance, utilities, staffing and VAT as a significant fixed overhead. Unlike many businesses, clinics rely on treatment rooms and specialist equipment, making it difficult to reduce premises costs or move services online.
Industry bodies including the NHBF and the British Beauty Council have renewed calls for personal care businesses to be included in future support, arguing that clinics and salons play an important role in local high streets and communities.
We've published a breakdown of what has been announced, what it means for aesthetic clinics, and how to review your financial position in light of it.
Read it 📖
https://bit.ly/4hOt3Fb
"Swelling should be perceived as a good thing."
That's Dr. Arturo Almeida , consultant surgeon and international trainer, on reframing one of the most common patient complaints after fat-dissolving treatment.
Destroying fat tissue triggers an inflammatory cascade. Swelling is the direct, expected consequence of the treatment actually working. But nobody is happy about a swollen chin, however clinically positive the sign might be.
The answer, Dr Arturo says, is consultation. If a patient understands before treatment that swelling is the visible proof of effectiveness, their perception shifts. The same swelling that would otherwise trigger a complaint becomes evidence the treatment is working.
Watch the full webinar 🎥
https://bit.ly/4fkmDwb
03/08/2026
Aesthetics has a new north star, and it isn't wrinkle reduction.
"Skin longevity", the idea of extending the skin's healthspan or "skinspan", is reshaping how patients think about their treatments. The focus is shifting from reactive, anti-ageing fixes to preserving cellular function, strengthening the skin barrier, and prioritising long-term skin quality.
For clinics, that means a new patient conversation. Skin longevity is becoming the foundation for treatment plans and long-term patient relationships. But it comes with its own clinical and insurance considerations.
Read our full guide 📖
https://bit.ly/4aGpgWd
01/08/2026
An assumption that quietly puts practitioners at risk: "I'm insured for injectables, so I must be covered for fat-dissolving."
Not necessarily.
Fat-dissolving treatments must be specifically listed on your policy schedule. And using products that are unlicensed, counterfeit or sourced through unauthorised distribution channels could affect your cover if a claim arises.
Claims relating to injectable lipolysis do happen. Poor patient selection. Inadequate consent. Treatment planning issues. Complications from incorrect technique. Making sure your insurer knows exactly which treatments you offer, and that your policy schedule reflects it, is essential before you start.
Read our full guide 📖
https://bit.ly/44izjgD
"There is a way of doing this."
Eddie Ho**er on the moment he realised aesthetic insurance had to be rebuilt from the ground up.
In the mid-1990s, nurses trained in toxin and filler work were being quoted £15,000 to £20,000 a year for indemnity cover, because their providers classified the treatments as plastic surgery. Most were earning nowhere near that. Many were treating friends and family part-time. The cost was locking capable practitioners out of the market entirely.
Eddie's realisation: separate botulinum toxin and dermal fillers out from general practice cover, and build a small, dedicated policy just for them. Conversations with figures like Ron Myers at Wigmore Medical and dentist Dr Bob Khanna kept surfacing the same problem. It was too expensive to insure, for what practitioners were actually earning.
Eddie found an insurer who understood the opportunity. The policy launched. And the sector could finally grow.
"Without that breakthrough, I think it would have been several years later. That would have put the industry back some years."
Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4vJ7MAV
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