Face Painting Business Insurance

What are the benefits of having insurance cover?

The five core benefits of specialist face painting insurance are:

• 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.
• Financial cover - insurance protects your financial future and can cover legal and medical expenses should an accident occur.
• Credibility - specialist face insurance gives your business greater credibility and ensures potential customers view you as a professional, safe and reliable choice.
• 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.
• 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.