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Hamilton Fraser 👌We’ve got you covered
🩼 Leading provider of cosmetic insurance services.

23/10/2026

"We've maintained our focus. We haven't tried to be a jack of all trades."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on what has and hasn't changed at the business over 30 years.

The scale looks completely different. Four people at the start. More than 220 staff today. What hasn't changed is the focus. HF has stuck to its two core niches from day one: cosmetic and property insurance. What has expanded is the depth and range of products offered within those markets, not the number of markets served.

For Eddie, that's the key differentiator against competitors trying to be everything to everyone. "We really do focus on the cosmetic market and try to understand it. That's where our success has lied."

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4ylr28E

Are you seeing more patients who are experiencing perimenopause or menopause?Join our upcoming CPD-accredited webinar wi...
21/10/2026

Are you seeing more patients who are experiencing perimenopause or menopause?

Join our upcoming CPD-accredited webinar with our host, Vicky Eldridge and guest, Dr Hazel Parkinson to learn how hormonal changes can influence aesthetic treatments, patient expectations and clinical decision-making. You'll gain practical insights to help you provide safe, effective and informed care for menopausal patients.

📅 Book your place today and stay up to date on this important and growing area of aesthetic practice - https://bit.ly/4i6USHp

20/10/2026

"Manufacturers couldn't launch products into the UK unless we got insurance for the practitioners using them."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on the moment he realised how central insurance was to the entire aesthetics sector.

It happened relatively quickly. Manufacturers approached HF at exhibitions, on the phone, in early industry conversations, all saying the same thing. Without indemnity cover for practitioners, they couldn't get their treatments into the UK market. Practitioners wouldn't buy the products. Patients wouldn't get the treatment.

So insurance became an enabler. HF wasn't just underwriting risk. It was quietly making it possible for the sector to grow at all.

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4xHin0m

16/10/2026

"It's never just been about selling an insurance policy. It's about raising the standard of the practitioner."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on one of the proudest moments of his 30 years in the sector.

The formation of the JCCP (Joint Council for Cosmetic Practitioners) was a milestone the industry had needed for a long time. Formalised regulation. A serious effort to raise standards around training, competence and accountability. Being approached from day one to help set it up mattered to Eddie personally, because it recognised what Hamilton Fraser had been trying to do since 1996.

Regulation across the sector is still evolving. But the JCCP represented a real moment where the whole industry started pulling in the same direction.

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4yi6jT9

13/10/2026

An interesting fact from Eddie Ho**er, founder and CEO of Hamilton Fraser:

"Around 60% of the costs paid out on a claim go towards defending the practitioner. Not to the patient."

Claims frequency has grown over the past 30 years. But claim severity hasn't. What's really driving up the cost of every claim we see is legal costs. The cost of defending a claim has risen sharply over three decades, and that's why access to a specialist claims team matters so much. Not just for the outcome, but for the cost of getting there.

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4gC8ScQ

09/10/2026

"Practitioner standards haven't dropped. In fact, they've improved."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on how claims have really changed since 1996.

Back then, treatments were kept quiet. Awareness was low. Claims were rare, and often unsophisticated. Today, patients arrive with better information, more expectations and access to AI tools that help them draft claims that read like a lawyer wrote them.

Eddie's clear-eyed view is that clinic standards have improved over three decades. What has really changed is the ease of complaining, the confidence patients feel to do so, and the increasingly professional way those complaints are constructed.

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4cqYUbH

06/10/2026

"The market is shifting at such a pace. We're trying to catch up rather than lead."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on the treatments currently hardest to insure.

The honest answer is fat dissolving and weight loss. New treatments. Limited safety data. Claims that may not surface until years down the line. Insurers are cautious until more evidence emerges. HF insures some fat dissolving treatments and some weight loss procedures, but the risk profile is genuinely different to what the sector was underwriting even five years ago.

The wider shift is bigger than any single treatment. Aesthetics is moving from toxins and fillers into broader health, wellness and skincare territory. And insurance is scrambling to catch up.

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/46LLnYN

02/10/2026

"Most treatments, we'll actually provide some form of cover."

That's Eddie Ho**er, founder and CEO of Hamilton Fraser, on what HF will and won't insure.

Very few treatments are automatically off the table. Most can be covered in some form, whether that's limited cover, higher excess or specific criteria around who can perform them. When botulinum toxin first emerged, HF only insured nurses, surgeons and doctors. As the dental market matured, dentists were added. Criteria relax over time as claims data builds up.

Where Eddie draws a firm line is with non-medics. And it isn't about injecting skill. "It's about what happens when something goes wrong, and whether they're trained to spot it and deal with it quickly."

Watch below. If you're weighing up your own cover, our quote tool is here 📖
https://bit.ly/4hdc2mv

01/10/2026

We've created a mini-series of videos with our partner Lynton UK on introducing aesthetic technology into your clinic, covering everything from assessing readiness, to choosing the right device, training your team and maintaining best practice.

Great technology must always be supported by great responsibility. As clinics grow and expand their treatment offering, maintaining high standards of safety, training and professionalism is essential.

From consultation and treatment protocols through to ongoing education and best practice, every element plays a vital role in protecting both clients and clinics. In this final video, Dr Sam Hills explores the key considerations every practitioner should keep in mind when introducing aesthetic technology.

That's a wrap on the mini-series, catch up on any part you missed on our pages.

Read more on staying compliant: https://bit.ly/3RZHjAN

We are so excited to announce the launch of our new partnership with Harley Academy 🥳The partnership makes Harley Academ...
30/09/2026

We are so excited to announce the launch of our new partnership with Harley Academy 🥳

The partnership makes Harley Academy one of Hamilton Fraser's Gold Training Courses and Hamilton Fraser, Harley Academy's Official Insurance Partner.

Bringing together ethical practice across the sector, established trusted insurance and Harley Academy's new Aesthetics Referral Centre, this partnership is sure to heighten the safety of the industry.

Read our official press release here: https://bit.ly/4AI7gpP

Address

Limelight, 1st Floor Studio 3, Elstree Way
Borehamwood
WD61JH

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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