Makeup artist insurance

Who needs makeup artist insurance?

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:

• Freelance makeup artist
• Wedding makeup artist
• Mobile makeup artist
• Makeup artist student
• Makeup artist teacher
• Fashion and photographic makeup artist
• Beauty therapist
• Nail technician
• And more.

What types of insurance does a makeup artist need?

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 palettes 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 public liability insurance will pay for your legal defence and any compensation awarded. Whether you’re at fault or not.

It'll also cover you 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.

Treatment and 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.

Can you cover me for selling beauty products?

Product liability is covered under treatment and public liability insurance.

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.

Do you cover permanent and semi-permanent makeup?

Yes. Your treatment and public 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.

What beauty treatments are covered?

As a makeup artist, you might offer several different treatments alongside makeup. Your policy can also cover you for:

• Manicures
• Pedicures
• Eyelash tinting
• Eyebrow shaping and threading
• Massages
• Facials
• Hairdressing
• Skin cleansing
• Waxing
• Ear piercing
• And more.

Why should I buy my makeup artist insurance from you?

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.

Oh, and we give you free stuff too – including an "I'm insured" badge for your website and a cash bonus each time someone you've recommended us to buys a policy.

Take a look at our customer feedback if you want someone else's opinion. We think it speaks for itself.