Hamilton Fraser

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.

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

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

• Medical malpractice insurance
• Aesthetic insurance products
• Professional indemnity insurance
• Beauty industry insurance
• Clinic commercial insurance

Headquarters

HQ city

Borehamwood

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. 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.
2. Clinic, Salon and Surgery Insurance: Commercial property and business insurance for aesthetic clinics and salons, protecting business assets.
3. Cyber Liability Insurance: Protection against cyber and data breaches that could cause loss of vital business services.
4. Directors' and Officers' Insurance: Protection for directors and officers from failure in their duties to manage their business effectively.
5. Public Liability and Salon Insurance: Coverage for all practitioners including public liability protection.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core 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

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• JCCP (Joint Council for Cosmetic Practitioners)coreStrategic or Co-development PartnerJCCP 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)coreStrategic or Co-development PartnerHABIA 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)coreStrategic or Co-development PartnerBAMAN 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)coreGTM or Marketing PartnerFounded 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 AestheticscoreStrategic or Co-development PartnerLondon-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 AcademycoreStrategic or Co-development PartnerUK's leading postgraduate training provider in aesthetic medicine for doctors, dentists, nurses, and midwives. Premium brand leading with postgraduate education to improve patient safety.
• AestheticSourceminorChannel Partner/ Reseller/ DistributorUK-based specialist distributor of clinically proven aesthetic products. Award-winning distributor committed to providing tried and trusted products.
• Dr Bob Khanna Training InstitutecoreStrategic or Co-development PartnerUK'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)coreStrategic or Co-development PartnerNon-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)coreGTM or Marketing PartnerInnovative platform dedicated to empowering individuals and businesses in the aesthetic industry through comprehensive guidance, knowledge, and resources.
• Menopause in PracticeminorGTM or Marketing PartnerUK'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 TrainingcoreStrategic or Co-development PartnerDedicated to 'ethical' aesthetics since 2010, offering highest quality education by real experts. Provided education for over 3,700 medical professionals.
• Safer Aesthetics TrainingcoreStrategic or Co-development PartnerVTCT-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 RoomcoreStrategic or Co-development PartnerUK'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 & BrowncoreOthersHamilton Fraser is part of the Brown & Brown team, a global insurance brokerage group.
• HFIS GroupcoreOthersHFIS 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

Broad 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

• Xx.com/HamiltonFraser
• YouTubeyoutube.com/@hamiltonfraser_
• Facebookfacebook.com/hamiltonfraser
• Instagraminstagram.com/hamiltonfraser_
• LinkedInlinkedin.com/company/hamilton-fraser-cosmetic-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hamilton Fraser