Whether you face paint professionally at birthday parties, festivals or local community events, you should consider protecting yourself financially with face painting insurance. Despite being a fun activity that brings people much joy, face painting professionally exposes you to the general public and paying customers. And with that comes risks. From public or product liability claims to equipment cover, specialist insurance gives you total peace of mind, allowing you to go about your work with complete confidence.
What is face painter and body painter insurance?
Face and body painter insurance is specifically designed to protect professionals from the risks inherent in their work. These risks are varied and include accidental injuries, property damage, allergic reactions to paint and other relevant materials, to name just a few. Like any policy, face painting business insurance protects you should accidents or mistakes occur, enabling you to pursue your craft without worrying about the potential financial consequences.
What businesses benefit from face painting insurance?
Insurance is available and relevant for a wide range of businesses, from freelance individuals to large entertainment organisations.
● Freelancers or sole traders – many face painters operate on their own, offering independent face painting services at events. This means they do not benefit from an employer providing insurance.
● Event organisers – if you include face painting as an activity or service at an event, you may want to consider specialist insurance. This includes party planners, carnivals, arts events and other similar businesses.
● Festival organisers – face painting is a popular activity at family, music and literature festivals. In these cases, the large number of attendees makes insurance even more critical.
● Children’s entertainment – companies that supply services for children’s parties and events should always take out adequate insurance and protect their business’ future.
What are the benefits of having insurance cover?
The five core benefits of specialist face painting insurance are:
1. Peace of mind – insurance takes the pressure of face painting artists and eliminates those doubts at the back of your mind, enabling you to focus on the job at hand.
2. Financial cover – insurance protects your financial future and can cover legal and medical expenses should an accident occur.
3. Credibility – specialist face insurance gives your business greater credibility and ensures potential customers view you as a professional, safe and reliable choice.
4. Equipment cover – high-quality face painting materials are not inexpensive. Insurance ensures you don’t bear the financial burden if they are damaged or stolen.
5. Access to more work – some event organisers will require you to have your own insurance to work at their events. As such, specialist cover can improve your ability to find work.
Use cases
As with any business, professional face painters expose themselves to risk whenever they work with a customer or the general public. These risks include:
● Allergic reactions – though professional face painters use hypoallergenic paints, these are not foolproof and adverse reactions are possible. Specialist insurance protects you if an allergic reaction results in unexpected legal or medical costs.
● Accidental injuries – professional face painters often work with children, making for an unpredictable work environment. Injuries are not uncommon.
● Property damage – paint spillages and stains can damage the event venue, resulting in a potentially costly repair or cleaning bill.
● Professional errors—whatever your experience or skill level, mistakes can still occur. Specialist insurance protects you should these result in additional financial costs.
● Theft and loss – equipment can be damaged or stolen during storage, transit or an event.
To secure yourself against these risks, face painting business insurance typically consists of four key elements:
1. Equipment insurance – for your face painting materials.
2. Employer’s liability – covers work-related incidents if you employ staff.
3. Face painting public liability insurance – covers claims made by customers or other third parties.
4. Professional liability insurance – covers instances where a customer claims your services caused harm.
Do I need face painting public liability insurance?
If you offer professional face painting services, insurance is recommended. Face painting is a livelihood, and unexpected legal, medical or equipment costs can put you under extreme financial pressure.
How much does face painting business insurance cost?
Insurance premiums vary significantly depending on the extent of your cover, the size of your business and where you are based. We recommend reaching out to the experienced Park Insurance team, who will help tailor your policy to your needs, ensuring you find the perfect balance between adequate cover and a competitive premium.
Face painting insurance with Park Insurance
At Park Insurance, we leverage our extensive insurance experience and expertise, as well as our position as preferred brokers, to ensure you get comprehensive business cover at a price you can afford. Our generous policy limits and flexible payment terms ensure your policy reflects your commercial reality and suits your needs.
At Park Insurance, we use our position as preferred brokers to find comprehensive insurance at a price that you can afford, with generous policy limits and flexible payment terms.
For more information and a no-commitment chat with one of our advisors, contact us today or use our online form below to get in touch.