You can't brush off a claim for professional negligence or bodily injury. Protect your makeup artist business and reputation with makeup artist insurance.
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This all-in-one cover for makeup artists includes:
Malpractice – for bodily injury, illness or death of clients caused by your negligence
Indemnity – for breach of care, confidentiality, or privacy
Liability - for physical damage and injuries caused by your business and the products you supply
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Image is everything. You might work with actors on a film set, create makeup for a special day, or specialise in cosmetic camouflage. Your clients come to you expecting you to achieve their desired look. And you have to work to their brief.
But accidents and mistakes happen. Your customer isn't happy with the look, your client trips over your makeup box and breaks a wrist. Or you spill liquid eyeliner and stain their designer clothes.
Worse still, a customer might react to the makeup you're using or a brush you haven’t cleaned properly. Or you jump while applying mascara and damage their eye.
Whatever the mistake, your client could sue for negligence. That's never a good look and could cost you in more ways than one.
Whether you're mobile, freelance, self-employed, or based in a salon or spa, makeup artist insurance pays your legal costs and any compensation due. That leaves you free to practice your art.
Being a makeup artist allows you to work across many different industries. But, whatever your speciality, or wherever you work, you need protection if something happens that’s out of your control.
If a client claims your work isn't what they expected, there's an accident and you're at fault, or they're injured because of something you do, they can sue you.
Makeup artist insurance can protect your business and your bank balance if you're a:
Makeup is so much more than powder and liquid. You know how to bring the best out of your models and clients. You know how to blend flawlessly, highlight, and bring pallettes to life.
But if something goes wrong, you could find yourself facing an ugly claim for compensation. A client could have an allergic reaction to the brand of foundation you use. Or you could accidentally damage their eye with a mascara wand.
If they claim you’ve been negligent and injured them, they can sue you. Treatment and professional liability insurance (also known as medical malpractice insurance) will pay for your legal defence and any compensation awarded. Whether you’re at fault or not.
Public liability insurance helps if you accidentally damage something that isn't yours or a client has an accident and is injured, and it’s your fault.
You can't conceal concealer that's spilt on a client's white velvet sofa. It's an expensive accident you'll need to put right. And if a client skids on fluid you’ve spilt on the floor, breaking a hip in the process, they’ll want payback.
Public liability covers your legal costs and pays any compensation awarded.
Do you employ anyone? It's a legal requirement to have employers' liability insurance if you do - even if your staff are temporary or part-time. It protects your business if an employee injures themself or becomes ill because of work. Employers' liability pays any compensation awarded plus your legal fees.
If you work from your own studio, it can be expensive to replace furniture and equipment if there's a break-in, fire or flood. Contents and equipment insurance will cover repair costs, replace anything damaged or missing, and get you up and running again.
Some insurers cover public liability and product liability together. Others you’ll need to have product liability added separately.
Either way, for us to cover you, you'll need to make sure the products you sell aren't homemade and are sourced from within the UK, European Union, Japan, Australia, New Zealand, USA or Canada.
A customer might want compensation if a bottle of nail polish they've bought from you doesn't close and seal properly and spills over an expensive carpet. Or they have an allergic reaction to the bubble bath that's stocked on your shelves. As you sold it to them, they'll probably come to you to complain.
Product liability insurance gives your customers a sense of security that you trust in the products you’re selling. And it provides an extra layer of protection for you if something goes wrong.
Yes. Your treatment and professional liability insurance will cover permanent and semi-permanent makeup.
To get cover, you’ll need a level 3 NVQ in beauty therapy or equivalent and relevant experience for permanent or semi-permanent makeup.
As a makeup artist, you might offer several different treatments alongside makeup. Your policy can also cover you for:
Let's face it. When choosing insurance for your business, you want something quick and easy to sort.
We're digital, so you can get a quote and buy your insurance in just a few clicks. Online also means documents delivered straight to your inbox. Quick and easy to sort. Check.
And we're business insurance specialists. We know our stuff, and our experts can talk you through your options. Not all insurers can do that.
Plus, we're real people, and we have a real office. Our specialist beauty team is ready to help if you want to call.
Take a look at our customer feedback if you want someone else's opinion. We think it speaks for itself.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.