Hamilton Fraser

"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

🎙️ "Practitioners get a certificate, but not the knowledge behind it."

Dr. Arturo Almeida on why so much fat dissolving training in the UK is falling short. Not all brands are injected the same way, and when the science and technique aren't properly taught, it's patients who bear the risk.

Listen to the full episode of the Aesthetics Business Cast 👉 https://bit.ly/4y766mz

"AI will become so integrated into our lives — personal and business — that it'll just be part and parcel of how we run a business."

That's Ron Myers' closing take on this month's Aesthetics Business Cast: AI's biggest impact on aesthetics will be quiet and embedded rather than dramatic.

CRM systems are the obvious starting point. Built around accurate record keeping, they're exactly the kind of process that benefits from AI integration — and from an insurance and governance perspective, more robust records matter. Beyond admin, AI agents will increasingly work through patient databases to identify lapsed patients and run personalised re-engagement automatically.

The message: this is coming. The clinics that benefit are the ones engaging now.

Listen to the full episode 🎙️

[https://bit.ly/4fINRwZ

🎙️ "Ten years to build a business. Ten minutes to destroy it."

Eddie Ho**er on why most practitioners are excellent clinicians, but the real challenge in aesthetics lies in building the business processes that protect everything you've worked for.

Listen to the full episode of the Aesthetics Business Cast 👉 https://bit.ly/4uWhwro

"Right patient. Right area. Right technique."

That's Dr. Arturo Almeida , consultant surgeon and international trainer, sharing what he calls the 3R Rule for fat-dissolving injectables. It's a framework he developed after nearly 20 years of clinical use and training thousands of practitioners across the world.

Right patient. Not everyone is a candidate. Right area. Only the chin on the face. Never other facial fat pockets. Never certain body areas. Right technique. Products differ. Some use multi-injection mesotherapy-like techniques. Others use minimum-injection size. Others use intralipotherapy. It's the practitioner's responsibility to know which one applies to the product in their hand.

Simple, memorable, and grounded in real complications Dr Arturo has seen and treated.

Watch the full webinar 🎥
https://bit.ly/4yJW1wi

"That was the gap we were trying to fill."

Eddie Ho**er on what made Hamilton Fraser different from day one.

Back in 1996, commercial insurance moved slowly. Practitioner cover meant weeks of letters, emails and faxes going back and forth. Direct Line had just launched, but only for cars and homes. Nobody was doing it for specialist practitioner insurance.

We wanted to change that. So we brought underwriting in-house. A practitioner could pick up the phone, get a quote in the same call, and have their policy in their hands within 24 hours.

"Not many brokers or insurers could do that back then."

It's why practitioners started coming to us. And 30 years on, it's still how we operate.

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

https://bit.ly/44OXkvS