Cosmetic Surgery Negligence Cases

There is a trend away from the traditional face-lifts and more intrusive procedures towards simpler, temporary treatments, such as those where fillers are injected to modify facial features. For example, liposuction is being superseded by non-surgical body-contouring; where fat cells are either melted by heat application, or frozen.

But whilst these newer procedures do not need the facilities found in hospitals and clinics, it is therefore easier for unscrupulous operators to buy the equipment and rent a room or operate from their own home.

The Temple Advantage

We have experience of insuring celebrities and models who have suffered the effects of negligently performed tummy tucks, breast enlargements etc. We have also provided ATE insurance cover for many types of failed cosmetic procedures, including:

Breast surgery claims
Brow lifts claims
Ear surgery claims
Eyelid surgery claims
Facelift claims
Laser skin resurfacing claims
Nose reshaping / rhinoplasty claims
Tummy tuck claims

Our delegated authority scheme for clinical negligence solicitors allows cosmetic surgery claims to be insured in the same way as other types of clinical negligence. We would expect our solicitor partners to check that the defendant is insured for treatment risks, as part of their risk assessment process.

Issues with Cosmetic Surgery claims

Our partner solicitors tell us that a high proportion of these type of claims have to be turned away as the client often has unrealistic expectations from the procedures. They often can be too low in value, unless a substantial claim for loss of earnings can be made out, such as in the case of professional models.
The lack of regulation means that defendants are not insured, so not worth pursuing. Or, where they are insured, such as celebrity surgeons who operate internationally, their policies can carry a large excess, which needs to be recovered direct from the surgeon; another disincentive to taking a case on.

Bespoke Underwriting

For complex cases, our experienced team provides quick, commercial decisions to get your funding in place.

Chartered Excellence

As a Corporate Chartered Underwriting Agent, we operate to the highest professional and ethical standards in the UK.

A-Rated Security

Backed by Intact Insurance UK Limited, providing global financial strength for your peace of mind.

Temple have consistently delivered a high standard of service. Their team is responsive, professional, and approachable, ensuring queries are dealt with promptly and efficiently. The customer service is excellent, with a personalised approach that reflects a genuine understanding of our needs. Their online portal is intuitive and easy to use, making the funding process smooth and straightforward. The disbursement funding facility is particularly helpful—it’s a practical and well-managed solution that supports case progression without unnecessary delays. Overall, Temple offers a reliable, user-friendly, and client-focused service that we would confidently recommend.