Beauty to go! What Mobile make-up artists need to know about insurance
There are some obvious pros to working as a mobile freelance make-up artist – you have control over the hours you work, you get to work with a wide range of clientele, and you can build your own amazing brand that you can be proud of. But making people look and feel amazing is just one aspect of running a mobile make-up business.
No matter how careful you are whilst delivering your professional services, things can take a turn in a bat of an eyelash. Whether inadvertently providing incorrect or negligent advice, accidentally injuring someone, or damaging their property, it’s important to protect your business against unexpected events that could not only damage your business, but potentially leave you without one. So, let’s look at the various forms of insurance mobile makeup artists should consider for their business…
Professional Indemnity Insurance
You’re an expert when it comes to creating that perfect look and style. Your clients rely on your artistic blend of a brush and wisp of a mascara wand, whilst also seeking your valuable knowledge and advice when it comes to choosing the right products and treatments. The reality is you are human, and like all things in life, it doesn’t always go exactly to plan. One of your clients may experience a serious reaction to a product you have suggested or even accuse you, rightly or wrongly, of not meeting their expectations of the service you’ve provided.
The potential costs of a lawsuit could not only cripple your mobile makeup business but also blemish your reputation, a risk your business cannot afford to take.
These are some of the foundations of Professional Liability insurance:
What it typically covers:
- Damages and claimant costs awarded against you, including compensation
- Legal and defence costs
- Claims investigation costs
- Court attendance costs
- PR costs to help uphold your reputation
What it doesn’t cover:
- Intentional damage
- Fraud and dishonesty
- Known claims and circumstances
- Property damage
Public Liability Insurance
Working closely with your clients every day means there’s a high risk for something to go wrong, which highlights the importance of having Public Liability insurance. It is designed to protect you from the financial implications if you accidentally cause injury to someone or damage their property.
All it takes is for a client, supplier or member of the public to injure them self by tripping or falling over a piece of your equipment, or you accidentally spill bronzer on a client’s carpet causing damage to their property, for a claim to be made. Fear not, Public Liability insurance can help clean up the mess by covering your legal defence costs and compensation awarded to the claimant.
Public Liability insurance also extends to Product Liability cover which protects your business for legal disputes and compensation claims if any of the makeup products or accessories that you sell cause a serious allergic reaction or injury.
The great thing about Public Liability insurance is that it covers you anywhere in Australia, so you have the freedom to lengthen lashes in Launceston or beautify brides in Brisbane knowing that you’re covered and it usually comes combined as a liability package with your Professional Liability insurance.
Portable Equipment Insurance
As a makeup artist, you need your makeup kit and crucial tools to complete your artistry. But can you imagine trying to do business without them? When you calculate the costs of your makeup, stock and other business assets, like mobile phones and laptops, you may be surprised at how quickly it all adds up. Being a mobile based business means you’re out and about, exposed to unforeseeable risks that could result in an unsightly claim.
That’s why Portable Equipment insurance (also known as General Property) is an essential form of cover for mobile makeup artists, providing cover for the cost of repairing or replacing your ‘tools of trade if they are accidentally lost, damaged or stolen (from a locked premises or vehicle).
Personal Accident and Illness Insurance
Being self-employed brings many benefits, but a downside is not receiving any sick pay when you’re unable to work. If you were laid up due to an unexpected accident or illness and required weeks, or even months to recover, how would your business survive?
Personal Accident and Illness insurance is a vital form of cover for mobile makeup artists. It provides compensation if you were temporarily out of action by paying up to 85% of your income, with a benefit period of up to two years. There is an option to choose Death and Disablement cover for accidental death as a result of the injury and which may provide a lump sum payment if you experience an accident resulting in permanent injury (for example loss of a limb).
Don’t leave yourself in this kind of hot mess…
This is a prime example of why it is good to have your Professional Liability and Public Liability cover combined through the one insurer as these types of claims can be a grey area when it comes to which cover they come under.
Arranging your mobile makeup artist insurance doesn’t need to be over complicated and should be one of the base elements of your business plan. If you’re a fan of peace of mind and uninterrupted beauty sleep, find out more about getting your business insurance here