Insurance for Makeup Artist

Why do Makeup Artists need Insurance?

While you’re busy making your clients look and feel glamourous, the last thing you want to be worrying about is a possible claim against you if something goes wrong. So, whether you operate from your own salon, rent a space in a beauty or hair salon or provide a mobile makeup service, makeup artist insurance is the foundation to ensuring your small business doesn’t go belly-up if something else does.  

Insurance for Makeup Artists

Professional Indemnity Insurance*

As a makeup artist you’re an expert when it comes to all things lashes, brows and blushes, and that’s why clients seek your expert knowledge and advice when it comes to selecting the right products and treatments. But like all things in life, not everything goes according to plan – no matter how careful you may be. A client could experience a serious allergic reaction to a product that you’ve recommended, or at the other end of the scale, it could be alleged (rightly or wrongly) that you were negligent in providing your professional service.. Hello Bridezilla! 

Professional Indemnity insurance is designed to protect makeup artists by responding to claims against them caused by actual or alleged negligent acts or omissions in the provision of their professional service or advice.  For claims covered by the policy, it will cover compensation payable to a third party, together with defence costs (these are the reasonable costs incurred in investigating and defending a covered claim including legal fees, expert fees and court costs). 

Public Liability Insurance*

When you’re working closely with clients on a daily basis the stakes are high that something could go wrong, which is why Public Liability insurance is an important form of insurance. It provides protection for you and your makeup artistry business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

This type of insurance usually also extends to Product Liability cover which can protect your business from personal injury or property damage claims caused by the products you sell.

Did you know that some hair and beauty salons require contracting makeup artists to have Public Liability insurance before they  even start treatments?

Business & Portable Equipment Insurance*

What’s a makeup artist without a makeup kit and other essential tools? When you calculate the cost of your whole kit and caboodle, you could be surprised just how quickly the costs add up. 

Portable Equipment insurance provides protection for your tools of the trade in the case of them being lost, damaged, or stolen.  

General business insurance is designed to provide cover when insured events occur (for example, fire, storm or theft).  It can provide cover for your building, contents, stock or event an interruption to your business.  A business insurance package can even include tax audit, statutory liability or employment practices insurance cover.