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 

Did you Know?

If like many makeup artists you work as a sole trader, you may be personally liable for your business activities. In other words, your personal assets may be at risk if you don’t have the appropriate insurance cover to protect you and your business. 

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?

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’ll be surprised just how quickly the costs add up.

Portable Equipment insurance provides essential protection for your tools of the trade in the case of them being lost, damaged, or even stolen from a locked car or premises.

If you operate out of your own physical premises it’s also important to consider cover for your contents and stock, as well as your building if you own it. You can protect the things that matter the most by customising a Business Insurance policy, which provides cover for loss or damage due to unexpected events, like fire, storm and theft.

 

 * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy document.  The information contained on this webpage is general only and should not be relied upon as advice. 

So easy to renew, all done in simple email.

Leanne P
Hairdressing Service – Mobile

So easy and simple thank you

Matilda K
Hairdressing Service – Mobile

Nice and easy thank you

Sally S
Hairdressing Service – Mobile

Popular Searches