Hamilton Fraser

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🩼 Leading provider of cosmetic insurance services.

"I'm insured for aesthetic treatments, so I must be covered for this." Not necessarily.Cover should never be assumed. A ...
01/09/2026

"I'm insured for aesthetic treatments, so I must be covered for this." Not necessarily.

Cover should never be assumed. A practitioner may be qualified to prescribe a medicine, but that doesn't automatically mean every use of it is covered by their policy.

Before adding any new treatment or service, check that the treatment is specifically covered under your policy, that your profession and qualifications meet the insurer's requirements, whether additional training is needed, that the treatment sits within your scope of practice and competence, whether there are restrictions around off-label use, and that the product and supplier meet policy requirements.

If a treatment is not listed on your policy schedule, or you're unsure whether a particular use falls within cover, speak to your insurer before providing it.

Read our full guide 📖

https://bit.ly/4fERiTx

31/08/2026

"If you strip away all the different brand names, the devices, the technologies, what we're actually trying to do when we resurface the skin, fundamentally, we're creating a controlled injury and asking the skin to respond to it."

That's Rhiannon Smith, cutting through the noise on our recent Hamilton Fraser and Lynton UK webinar on skin resurfacing.

Every device. Every brand. Every trend. All doing the same thing at a biological level: creating a controlled injury to stimulate repair and new skin growth. What differs is the type of injury and the healing response it triggers. But the biology is universal, and it's what patient selection, protocols and aftercare should ultimately answer to.

Which is why the technology on the label matters far less than most demo days would have you believe.

Watch the full webinar recording 🎥

https://bit.ly/4hDZbvf

31/08/2026

"The training is really key."

That's Dr Samantha Hills, Clinical Director at Lynton UK , on this month's Aesthetics Business Cast.

The BMLA sets out three distinct types of training every laser and IPL practitioner should have. Treatment-specific training on how to actually deliver the treatment. System-specific training on how to select the right settings for the particular machine. And laser safety training, also known as the "core of knowledge".

Some manufacturers cover all three. Many will only deliver basic system training and no more. Which matters, because when Sam sees adverse events, it's usually one of those gaps showing up in practice. Incorrect skin type assignment. Overlapping during treatment. Treating patients with recent sun exposure. Small, avoidable mistakes that better training would have prevented.

Listen to the full episode 🎙️

https://bit.ly/4zeuRhk

28/08/2026

"We became more than just an insurance broker. More of a partner."

Eddie Ho**er on how practitioner protection has changed over three decades.

Back in 1996, we offered a basic medical malpractice policy. Quarter of a million pounds of indemnity. That was it.

Today it's £5 million standard indemnity, zero excesses on many treatments, and a suite of cover that didn't exist when we started. Public liability, clinic contents, employers' liability, cyber, bespoke cover matched to specific treatments and practitioner backgrounds. Nurses can insure for certain things. Prescribing nurses for more. Doctors for more still. Education sits alongside every policy.

"As we understood more about the sector, and the more we learned, we started to educate better those practitioners."

Watch below. If you're weighing up your own cover, our quote tool is here 📖

https://bit.ly/4y7UJL6

One of the most stressful aspects of receiving a complaint or claim is the feeling that you have to manage it alone. You...
27/08/2026

One of the most stressful aspects of receiving a complaint or claim is the feeling that you have to manage it alone. You don't.

Resources available include the NHS Practitioner Health Programme for healthcare professionals experiencing stress, anxiety or burnout, Samaritans (24/7 on 116 123), BAMAN and BCAM peer support networks, BACP-accredited counsellors and therapists, and trusted mentors, supervisors and professional colleagues.

For Hamilton Fraser clients, our in-house claims team is on hand throughout the process. As Lorna Larke, Insurance Operations Lead, says:

"We understand how stressful it can be to face a complaint. Whether you're dealing with a dissatisfied client or a more serious incident involving a procedural complication, we're here to listen, provide expert advice and support you every step of the way."

Read the full guide on practitioner mental health here 📖

https://bit.ly/3Tt7TCz

Five hormones that shape skin, and quietly shape treatment outcomes:Oestrogen supports collagen, elastin, hydration and ...
26/08/2026

Five hormones that shape skin, and quietly shape treatment outcomes:

Oestrogen supports collagen, elastin, hydration and healing. As levels decline, expect dryness, thinning, reduced elasticity and slower recovery.

Progesterone affects sebum, inflammation and the skin barrier. Fluctuations can drive breakouts, sensitivity and hydration changes.

Testosterone is present in all patients. Higher levels drive sebum and acne. Declining levels affect firmness, thickness and collagen support.

Thyroid hormones can present at consultation before diagnosis. Hypothyroidism: dry, coarse skin, puffiness, delayed healing. Hyperthyroidism: sensitivity, flushing, fragility.

Cortisol rises with persistent stress, reducing collagen production, slowing healing and increasing inflammation.

Read our full guide 📖

https://bit.ly/4502nKa

A quiet risk in aesthetic marketing: prescription-only medicines (POMs) cannot be advertised to the general public in th...
25/08/2026

A quiet risk in aesthetic marketing: prescription-only medicines (POMs) cannot be advertised to the general public in the UK.

The MHRA has made clear that this restriction goes further than just using a brand name. In its 2022 enforcement action, indirect descriptions like "hay fever injection" and "hay fever jab" were also treated as unlawful promotion of a POM.

For clinics, that means social media posts promoting a POM (even by generic description) may breach the rules. Website booking pages that name or describe POM treatments carry the same risk. Paid advertising and seasonal campaigns need to be checked carefully.

This applies well beyond hay fever. Any prescription-only medicine used in your treatment menu should be looked at with these rules in mind.

Read our full breakdown 📖

https://bit.ly/4vTITBS

25/08/2026

"Skin resurfacing isn't about choosing the best technology. It's about choosing the right technology for the client sitting in front of you."

That's Rhiannon Smith, setting the scene for our recent Hamilton Fraser and Lynton UK webinar on skin resurfacing.

Her honest read of where the sector currently sits: clients are more informed, or rather, misinformed. Social media fuels demand for "miracle" treatments. Clinics have more devices than ever. Downtime expectations are lower, but safety expectations are higher.

The choice has never been more complicated. Which is exactly why a considered approach to matching treatment to patient (not device to demand) has never mattered more.

Watch the full webinar recording 🎥

https://bit.ly/4g3qZIf

24/08/2026

"Patch testing is really important. It's something that everyone should be doing, and you should be leaving a reasonable amount of time after doing a patch test."

That's Dr Samantha Hills, Clinical Director at Lynton UK , on this month's Aesthetics Business Cast.

The clinical case for patch testing is broader than most practitioners assume. It gives the practitioner an indication of how the skin will react, gives the patient time to reflect on whether they want to proceed, and provides a real check before committing to a full course. It doesn't guarantee no unwanted reactions, but it's a strong indicator, and it's the kind of small step that quietly prevents most complications.

Listen to the full episode 🎙️

https://bit.ly/3TP3fyX

"I do skin treatments, so I must be covered."Not necessarily.Every treatment you carry out should appear on your policy ...
24/08/2026

"I do skin treatments, so I must be covered."

Not necessarily.

Every treatment you carry out should appear on your policy schedule. If you've recently completed training in microneedling, polynucleotides, a new peel, or a regenerative treatment, your cover might not extend automatically. Prescription-only skincare adds another layer, since prescribing carries different liability responsibilities.

Insurers expect you to have appropriate qualifications and recognised training for every treatment on your menu. Asking before you treat your first patient is always cheaper than asking after a complication.

Read our full guide 📖

https://bit.ly/4gHdnTZ

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