Aesthetics Insurance After a Claim | Declined Elsewhere? | Miller & Partner
Aesthetics Insurance After a Claim
Been declined, non-renewed, or refused cover because of a previous claim or complaint? You're not uninsurable — you're in the wrong market. We place difficult aesthetics risks through Lloyd's and specialist MGAs that the comparison sites and scheme insurers simply can't reach.
If a standard insurer or an online scheme has turned you down after a claim, the automated route is a dead end — their underwriting systems are built to decline anyone outside a narrow box, regardless of the circumstances. A specialist broker works the opposite way: we take your history to underwriters who price each case on its merits. Below is what's covered, why you were probably declined, and exactly how we get you back on risk.
Why You've Been Declined or Non-Renewed
Understanding the reason matters, because it determines which market we approach and how we present your case. Aesthetics practitioners are most commonly declined for one of the following:
- A previous treatment claim or complaint — even a single filler or anti-wrinkle claim flags you as outside a scheme insurer's automated criteria, triggering a decline or non-renewal.
- A claim still open or unresolved — automated underwriting almost always declines while a claim reserve is live, regardless of fault.
- A complaint without a formal claim — some practitioners are non-renewed purely because a complaint was logged, even where no payout was made.
- Treatments outside the scheme's fixed list — offering a treatment your previous insurer's scheme didn't recognise can void or block renewal.
- A qualification or training gap for a specific treatment the insurer has since tightened criteria on.
- Non-disclosure on a previous policy — once flagged, comparison engines will keep declining you automatically.
What We Can Still Cover
Through the Lloyd's market and specialist medical-malpractice MGAs, we can typically arrange cover even where you've been declined elsewhere, including:
- Medical malpractice / treatment liability — the core cover, protecting you against claims arising from a treatment, including where you have a prior claim history.
- Public liability — for injury to clients or damage to their property on your premises.
- Products liability — for the dermal fillers, skincare, and products you use or sell.
- Employers' liability — a legal requirement if you employ staff, even part-time.
- Premises, contents & equipment — your clinic, devices, and high-value aesthetic kit.
- Business interruption — lost income if you can't trade after an insured event.
We arrange cover for clinic owners, freelance and mobile practitioners, room-renters, and multi-practitioner clinics — both medically and non-medically qualified, subject to training and underwriting criteria.
Treatments We Can Arrange Cover For
Subject to your qualifications and the underwriter's criteria, we can place cover across the full range of invasive and non-invasive treatments, including those a previous scheme may have excluded:
| Category | Examples |
|---|---|
| Injectables | Anti-wrinkle injections, dermal fillers, profhilo, polynucleotides, fat-dissolving injections, vitamin / IV therapy |
| Skin & resurfacing | Chemical peels, microneedling, mesotherapy, dermaplaning, PRP / "vampire" facials |
| Energy-based | Laser hair removal, IPL, laser skin resurfacing, laser tattoo removal, radiofrequency |
| Body & advanced | Body sculpting / contouring, cryolipolysis, thread lifts, body piercing |
| Corrective | Filler dissolving and correction work (often where a previous claim originated) |
How It Works
Tell us what happened
Send us your decline reason, claim details, treatments, and qualifications. The more we know, the better we can present your case.
We approach the right market
We take your case directly to Lloyd's underwriters and specialist MGAs who price on the facts — not an automated tick-box.
You get a real quote
We come back with terms you can actually buy, explain exactly what's covered, and handle the placement end to end.
Why a Broker Beats the Comparison Route After a Claim
Comparison sites and online schemes run on automated underwriting. The moment a previous claim is disclosed, the algorithm declines — there's no human to weigh the context, your remedial steps, or your years of clean practice before the incident. That's why a practitioner who's perfectly insurable in reality gets bounced by every site they try.
A specialist broker changes the route entirely. We present your case to underwriters who understand aesthetics risk, can take account of the circumstances of the claim, and have the authority to offer terms an automated system never would. For a previously-declined practitioner, that's frequently the difference between trading and not trading.
Frequently Asked Questions
In most cases, yes. A decline from an online scheme or comparison site usually means you fell outside their automated criteria — not that you're uninsurable. Specialist underwriters in the Lloyd's market and through medical-malpractice MGAs assess each case individually and can often offer terms where an automated system declined. The key is full disclosure of the previous claim and its circumstances, which we present on your behalf.
A claim history usually affects the premium and may increase the excess, but the increase is rated on the specifics — the type of claim, whether it's settled, fault, and the remedial steps you've taken. It is rarely as severe as practitioners fear, and a specialist placement is almost always more competitive than the few "guaranteed acceptance" products aimed at declined risks. We'll explain exactly how your history affects the terms before you commit.
Often, yes — this is one of the most common reasons practitioners are auto-declined elsewhere, and one of the clearest cases for using a broker. An open or unresolved claim almost always triggers an automated decline online, but specialist underwriters can consider live claims on their merits. We'll need the details of the open claim to approach the right market.
Medical malpractice (also called treatment or professional liability) covers claims arising directly from a treatment you've performed — for example, injury or an adverse reaction to a filler. Public liability covers injury or property damage unrelated to the treatment itself, such as a client slipping in your clinic. Most aesthetics practitioners need both; after a claim, the malpractice section is usually the cover that triggered the decline, and the one we focus on placing.
Yes, subject to your qualifications and the treatments you offer. Cover for non-medically trained practitioners is available through specialist markets, typically requiring an appropriate beauty qualification plus recognised training or experience in the specific treatments you provide. After a claim, the route is the same — we present your training, experience, and the claim circumstances to underwriters who can price the risk individually.
The reason you were declined or non-renewed (in writing from your previous insurer if possible), details of any claims or complaints, the treatments you offer, your qualifications and training certificates, your trading setup (clinic, mobile, room rental), and your turnover. With those, we can approach the appropriate market and come back with terms.
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