Hamilton Fraser
Hamilton Fraser, trading as HFIS Ltd, is the UK's leading specialist insurer providing medical malpractice and related coverage to cosmetic and aesthetic practitioners since 1996, operating as a subsidiary of Brown & Brown Europe.
- Company typePrivate
- Founded1996
- HeadquartersBorehamwood, United Kingdom
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Hamilton Fraser does
Hamilton Fraser is a UK-based specialist insurance provider operating as a trading name of HFIS Ltd, a private limited company authorised and regulated by the Financial Conduct Authority. Founded in 1996, the company is the UK's first and self-described leading provider of medical malpractice insurance specific to the cosmetic and aesthetic sector, serving both healthcare professionals (doctors, dentists, nurses, pharmacists, physiotherapists, podiatrists, paramedics) and non-medic beauty practitioners for treatments ranging from botulinum toxin and dermal fillers to laser/IPL, body contouring, and hair transplant procedures.
The core product is tiered cosmetic malpractice insurance built on a 'platform plus modules' architecture: customers select a treatment group (Essential, Essential+, Laser, Comprehensive, or Specialist for medics; Beauty or Beauty+ for non-medics starting at £112), with annual subscriptions ranging from £112 to £728+ depending on scope. Complementary products include BeautyProtect, Commercial Insurance, Dental Insurance, Working from Home Insurance, Clinic/Salon/Surgery Insurance, Cyber Liability, and Directors' and Officers' coverage. Distribution is direct-to-consumer via a self-service online quote portal (cosmetic.hamiltonfraser.co.uk), telephone, email, and an event-driven motion anchored by the firm's own Aesthetic Business Conference.
The business is a subsidiary of Global Risk Partners Limited (GRP), itself part of Brown & Brown Europe, a global insurance brokerage group. The firm employs 251-500 people, serves thousands of practitioners and clinics across the UK, and operates from a registered office in London (Mark Lane) with operational presence in Borehamwood.
Hamilton Fraser firmographics
Firmographics- Name
- Hamilton Fraser
- Legal name
- HFIS Ltd
- Website
- https://hamiltonfraser.co.uk
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Hamilton Fraser, trading as HFIS Ltd, is the UK's leading specialist insurer providing medical malpractice and related coverage to cosmetic and aesthetic practitioners since 1996, operating as a subsidiary of Brown & Brown Europe.
- Ownership category
- akta.pro rank
Hamilton Fraser industry classification
Industry- Product category
- Specialty Medical Malpractice Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)
Keywords
Where Hamilton Fraser is headquartered
LocationHeadquarters
- HQ city
- Borehamwood
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Hamilton Fraser business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Cosmetic/Medical Malpractice Insurance: Core revenue stream from providing medical malpractice insurance to aesthetic practitioners. Policies cover allegations of malpractice and negligence during aesthetic treatments. Offered at multiple coverage levels (Essential, Essential+, Laser, Comprehensive, Specialist) with pricing starting from £112 for beauty practitioners.
- Clinic, Salon and Surgery Insurance: Commercial property and business insurance for aesthetic clinics and salons, protecting business assets.
- Cyber Liability Insurance: Protection against cyber and data breaches that could cause loss of vital business services.
- Directors' and Officers' Insurance: Protection for directors and officers from failure in their duties to manage their business effectively.
- Public Liability and Salon Insurance: Coverage for all practitioners including public liability protection.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Essential package - Core treatments for all aesthetic practitioners |
| Subscription | Annual | Essential+ package - Essential + additional treatments |
| Subscription | Annual | Laser package - Essential and Essential+ + laser treatments |
| Subscription | Annual | Comprehensive package - Full coverage including specialist treatments |
| Subscription | Annual | Specialist package - Widest scope of treatment cover |
| Subscription | Annual | Beauty package - Core treatments for beauty practitioners |
| Subscription | Annual | Beauty+ package - Additional beauty treatments |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Hamilton Fraser product offering
Product offeringCore offering
Hamilton Fraser underwrites and distributes specialist insurance products for the UK aesthetics sector, with medical malpractice and professional indemnity insurance for cosmetic and beauty practitioners at its core. Policies are tiered by treatment scope (Essential, Essential+, Laser, Comprehensive, Specialist, Beauty, Beauty+) and sold on annual subscription terms via an online quoting platform, phone, and email to individual practitioners and clinics across the UK.
Product overview
Hamilton Fraser is a UK-based insurance provider specializing in medical malpractice and aesthetic sector insurance. Their product portfolio is organized as a platform-plus-modules architecture, with core insurance products (CosmeticMalpractice Insurance, BeautyProtect, Commercial Insurance, Dental Insurance, Working from Home Insurance) supplemented by tiered treatment group add-on packages (Essential, Essential+, Laser, Comprehensive, Specialist) that determine coverage scope and pricing. Additional business protection products include Clinic/Salon/Surgery Insurance, Cyber Liability Insurance, and Directors' and Officers' Insurance. The company operates a web-based quote and customer portal platform for policy management.
Differentiator
Problem solved
Functional benefit
Products and services
- Cosmetic Malpractice Insurance Medical malpractice insurance safeguarding aesthetic practitioners from allegations of malpractice and negligence during aesthetic treatments, organised into tiered treatment-group packages from Essential through Specialist.
- BeautyProtect Insurance coverage for beauty and aesthetics industry professionals, covering general and advanced beauty treatments for non-medic practitioners.
- Working from Home Insurance Home insurance designed for practitioners who operate their clinic or aesthetic practice from a residential address, providing cover for practice-related exposure at home.
- Commercial Insurance Business insurance coverage for small independent businesses and larger corporations operating in the aesthetic sector, protecting commercial assets and operations.
- Dental Insurance Specialised insurance coverage for dental professionals including dentists, dental therapists, dental hygienists, and dental nurses.
- Clinic, Salon and Surgery Insurance Bespoke commercial property and business insurance for aesthetic practitioners who own or lease clinic, salon, or surgery premises, protecting business assets.
- Cyber Liability Insurance Cyber and data breach protection for aesthetic businesses against loss of vital business services and data-related liabilities.
- Directors' and Officers' Insurance Coverage protecting directors and officers from failure in their duties to manage their aesthetic business effectively.
- Public Liability and Salon Insurance Public liability protection for all aesthetic practitioners, including salon insurance cover for beauty premises.
Quantifiable outcome
- Claims increased 12.1% from 281 to 315 (2024-2025)
- +1 more outcomes
Companies that use Hamilton Fraser
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Hamilton Fraser technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Hamilton Fraser partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- JCCP (Joint Council for Cosmetic Practitioners)coreJCCP is a Professional Standards Authority's accredited register for non-surgical cosmetic procedures. Hamilton Fraser is part of its Strategic Development Group, helping formulate the organisation's strategy. Partnership allows practitioners to join JCCP at reduced cost.
- HABIA (Hair and Beauty Industry Authority)coreHABIA is recognised by the Government as the Standard Setting Body for hair, beauty, nails, spa, wellbeing and aesthetic sectors. Partnership offers greater support and protection for the general and advanced beauty industry.
- BAMAN (British Association of Medical Aesthetic Nurses)coreBAMAN is the largest professional association for nurses carrying out cosmetic treatments in the UK. Hamilton Fraser is their only insurance partner, offering medical indemnity insurance to a large proportion of its members.
- BAHRS (British Association of Hair Restoration Surgery)coreFounded in 1996, BAHRS is a non-profit association of professionals in the British Isles with interest in hair loss, restoration, research and education. Hamilton Fraser is a gold sponsor.
- Acquisition AestheticscoreLondon-based training academy bringing together experts in facial rejuvenation and non-surgical treatments. 2021 and 2022 Aesthetics Awards 'Independent Training Provider of the Year'.
- Harley AcademycoreUK's leading postgraduate training provider in aesthetic medicine for doctors, dentists, nurses, and midwives. Premium brand leading with postgraduate education to improve patient safety.
- AestheticSourceminorUK-based specialist distributor of clinically proven aesthetic products. Award-winning distributor committed to providing tried and trusted products.
- Dr Bob Khanna Training InstitutecoreUK's leading facial aesthetic training institute offering courses taught by Dr Bob Khanna for over two decades. Thousands of practitioners trained.
- IAAFA (International Academy of Advanced Facial Aesthetics)coreNon-profit organisation led by Professor Bob Khanna, set up in 2001 to integrate knowledge in facial aesthetics and enhance patient care. Hamilton Fraser has supported IAAFA since its formation.
- SIAB (Success in Aesthetic Business)coreInnovative platform dedicated to empowering individuals and businesses in the aesthetic industry through comprehensive guidance, knowledge, and resources.
- Menopause in PracticeminorUK's only conference focusing on synergy between menopause and aesthetics. Hamilton Fraser CEO Eddie Hooker sat on panel discussing business case for adding menopause services.
- Inspired Cosmetic TrainingcoreDedicated to 'ethical' aesthetics since 2010, offering highest quality education by real experts. Provided education for over 3,700 medical professionals.
- Safer Aesthetics TrainingcoreVTCT-accredited training provider raising standards through evidence-based aesthetics training. Offers Level 7 Diploma in aesthetics with comprehensive pre-course learning and ongoing support.
- Consulting RoomcoreUK's biggest and longest running aesthetic community and information hub since 2003. Provides trusted, impartial guidance on aesthetic treatments, products, regulation, and clinical best practice. Multiple award winner.
- Brown & BrowncoreHamilton Fraser is part of the Brown & Brown team, a global insurance brokerage group.
- HFIS GroupcoreHFIS Ltd (Hamilton Fraser Insurance Services) is the group company. HFIS Ltd is authorised and regulated by the Financial Conduct Authority.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
Hamilton Fraser competitors and assessment
Company assessmentBroad incumbents
- Aston Lark: UK insurance broker serving SMEs and professionals across multiple verticals, including healthcare and beauty. Comparable business model and distribution to Hamilton Fraser, but with broader vertical coverage.
- Markel UK: International specialty insurer offering professional indemnity, medical malpractice, and clinic cover that includes aesthetic practitioners. Competes with Hamilton Fraser in the UK professional lines space but without HF's aesthetic-sector focus.
- Beazley Group: Global specialty insurer with strong UK professional liability and medical malpractice offerings. Larger and more diversified than Hamilton Fraser but overlaps in the aesthetics professional indemnity segment.
- Howden Insurance Brokers: Large UK-focused insurance broker with specialist divisions covering healthcare and professional services. A peer by business model and UK distribution scale, though not aesthetic-specialized.
- Hiscox Insurance: Major UK professional indemnity insurer that includes medical malpractice for cosmetic practitioners within its broader professional lines portfolio. Much larger and broader than Hamilton Fraser, but competes for the same professional indemnity spend.
Direct peers
- Cosmetic Insurance Services: UK-based specialist broker providing medical malpractice and liability insurance for the aesthetics and beauty sector. The closest direct competitor to Hamilton Fraser—same customer base, same product focus, and same UK geography.
- Enhance Insurance: UK specialist insurance provider for the cosmetic and aesthetics industry offering treatment-specific malpractice cover. Targets the same medics and non-medics segments with tiered cover similar to Hamilton Fraser's treatment groups.
- Bopper Insurance: UK broker specializing in medical malpractice, clinic, and cyber insurance for aesthetic practitioners. Direct overlap with Hamilton Fraser's core cosmetic malpractice offering and SMB aesthetics customer base.
- Inspire Insurance (formerly Butler Byford): UK-based specialist insurance broker focused on the aesthetics, hair, and beauty sectors. Provides professional indemnity and treatment cover directly competitive with Hamilton Fraser Cosmetic.
Emerging players
- DUAL Corporate Risks (Howden): Specialty Lloyd's-backed MGA providing professional indemnity and medical malpractice lines for niche trades. Operates in adjacent professional liability classes, including aesthetics-adjacent healthcare segments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Hamilton Fraser social profiles
Digital presenceHamilton Fraser financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hamilton Fraser leadership team
Management profileNumber of profiles
Profiles2 records
Hamilton Fraser funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hamilton Fraser M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hamilton Fraser
What does Hamilton Fraser do?
Hamilton Fraser underwrites and distributes specialist insurance products for the UK aesthetics sector, with medical malpractice and professional indemnity insurance for cosmetic and beauty practitioners at its core. Policies are tiered by treatment scope (Essential, Essential+, Laser, Comprehensive, Specialist, Beauty, Beauty+) and sold on annual subscription terms via an online quoting platform, phone, and email to individual practitioners and clinics across the UK.
Is Hamilton Fraser a public or private company?
Hamilton Fraser is a private company. It is classified as corporate owned and is currently operating.
When was Hamilton Fraser founded?
Hamilton Fraser was founded in 1996. It employs 251 to 500 people.
Where is Hamilton Fraser based?
Hamilton Fraser is headquartered in Borehamwood, United Kingdom, in the Europe region.
How does Hamilton Fraser make money?
Five revenue lines are on record. Cosmetic/Medical Malpractice Insurance is the primary driver. The others are clinic, Salon and Surgery Insurance, cyber Liability Insurance, directors' and Officers' Insurance and public Liability and Salon Insurance.
Who are Hamilton Fraser's main competitors?
Broad incumbents on record are Aston Lark, Markel UK, Beazley Group, Howden Insurance Brokers and Hiscox Insurance. Direct peers are Cosmetic Insurance Services, Enhance Insurance, Bopper Insurance and Inspire Insurance (formerly Butler Byford). DUAL Corporate Risks (Howden) is listed as an emerging player.
Does Hamilton Fraser have an API?
No public API is recorded for Hamilton Fraser.
What industry is Hamilton Fraser in?
Hamilton Fraser's product category is Specialty Medical Malpractice Insurance. Its primary akta.pro industry code is FSAJANAH, Professional Umbrella / Excess (E&O/D&O Wrap). Its NAICS code is 5242 and its SIC code is 6411.