The face is a canvas for makeup artists. You send your client’s self-confidence through the roof whether you’re applying makeup for their wedding day, a prom, or a photo shoot. Makeup artist insurance allows you to focus on achieving the perfect cut crease or flawless contour without the distraction of potential claims against your business.
It protects you against the leading risks associated with this niche of the beauty industry, allowing you to work your makeup magic in complete confidence.
What is makeup artist insurance?
Also known as makeup artist liability insurance, this is a policy that addresses the most common risks faced by makeup artists. Whether you own a salon or work as a mobile makeup artist, you can find the right coverage to meet your needs.
From clients making claims against you for injury to allergic reactions and claims that your work was below standard, makeup artist insurance keeps your finances safe when you’re faced with legal action.
Do I need makeup artist liability insurance?
Though you’re qualified and competent, things can go wrong when you work with members of the public. The benefit of makeup artist insurance is that it protects both your finances and your reputation, allowing you to deal with legal issues swiftly and professionally.
If a client has an allergic reaction to the cosmetics you apply, they could claim compensation and medical fees from you. However, if you were applying makeup that was essential for their employment (for example, if your client is a professional model), they could also claim for loss of earnings.
A slip on a wet patch on your salon floor or a member of the public falling over your makeup case at a wedding venue could land you with an injury claim. Should one of your products spill onto someone’s clothes and leave a stain, they could pursue you for the cost of a replacement. Without insurance, you would be left shouldering the costs which could put you considerably out of pocket.
Who can take out makeup artist insurance?
Whether it’s full-time or part-time, if you apply any type of makeup to people’s faces or bodies, you could benefit from makeup artist insurance. It could be used by:
- Self-employed, freelance, and mobile makeup artists
- In-house makeup artists
- Beauty salon owners
- Henna artists
- Face painters
- Special effects makeup artists.
Even if you’re employed by a business as a makeup artist, you can still choose to take out your own insurance policy. This reassures you that you have the level of cover you need for your peace of mind. And if a salon or production company’s liability cover lapses, you’ll still be protected.
Types of cover available
At Park Insurance we help you tailor a collection of covers that best reflect your unique business. You can choose from:
- Public liability insurance for makeup artists – for claims made by members of the public for injury or personal property damage attributable to your business.
- Treatment liability – if a client claims that your makeup or skincare products made them ill or caused an injury, this cover protects you financially against the cost of their compensation claim.
- Product liability – if a product you use or supply causes injury or illness, this cover protects you.
- Employers’ liability – by law, you must hold at least £5 million of cover if you employ staff, even if they are family members, contractors, or part-time employees.
- Professional indemnity – this protects you against the cost of claims that your work caused your client to lose money.
- Equipment and tools cover – which will protect your makeup stock and associated tools, such as brushes and sterilizing equipment.
FAQ’s
How much does makeup artist insurance cost?
The cost of your premium will depend on the size of your business, your qualifications and experience, and the levels of cover you choose.
What other insurance cover can I take out?
A makeup artist may also like business interruption, personal accident, cyber, premises, and stock cover.
Does makeup artist insurance cover permanent makeup?
While standard cosmetic applications are covered, you must check to see whether you’re covered for semi- and permanent makeup, which may need to be added under a separate cover.
From the bridal makeup artist who makes the wedding party look perfect to the editorial aesthetician who captures the latest looks for publication, Park Insurance can tailor a bespoke policy for ultimate peace of mind. Call our team of experts today to see how our makeup artist insurance can support your business.