Face Painting Insurance: Business Liability, Quotes & More

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When you work in the beauty, hairdressing or makeup industries, then it’s typically a good idea to have a solid business insurance policy. Since you’re typically carrying out your work on people’s bodies, there’s a higher risk of ending up on the receiving end of charges, claims or lawsuits that you never anticipated.

Thankfully, a quality face painting insurance policy can ensure that your business doesn’t get undermined because of a simple mistake. In this guide, we’re going to explore the top face painting insurance companies available and we’ll also take a look at the different kinds of policies you should consider to protect your business and your income.

Face Painting Liability Insurance

The most common type of face painters insurance you’ll come across is liability coverage, and it does exactly what you’d expect it to: it protects you from liability in case of bodily injury or property damage. For example, if your customer’s chair breaks while you’re working on them and they end up getting injured, you’ll be covered.

There are two main types of liability insurance for face painters, including public liability and general liability. While both of these kinds of coverage will protect you from property damage or bodily injury suits, the difference between them lies in who they protect you from.

Public Liability Insurance for Face Painters

Public liability policies are more affordable than general liability because they will cover you in a smaller range of circumstances. As you’d expect from the name, public liability policies will protect you from charges brought against your business by third parties or members of the general public.

For example, a public liability policy will protect you if one of your clients ends up getting hurt and comes after you for their medical expenses. Public liability tends to be less popular than general liability for face painters because of the greater degree of protection afforded by general liability insurance policies.

General Liability Insurance for Face Painters

Compared to a public liability policy, general liability coverage for face painting will be a little more expensive, but most face painters agree that a few extra dollars per month is worth the extra coverage. Since face painting insurance is relatively affordable, the actual difference between the cost of general and public liability isn’t all that much.

In return for a higher premium, you’ll benefit from expanded coverage that will include more than just members of the public. General liability policies will also protect your workers and even you from bodily injury and property damage while you’re at work. For example, if you drop your phone while you’re working on someone’s face paint, it may end up being covered by your general liability policy.

Face Painting Insurance Cost

As with any other kind of insurance, the exact cost of face painting business insurance depends on the size of your face painting operation. A larger business will likely see more customers come through its doors, which means that there’s a higher risk of something going wrong.

Generally, the average face painters insurance cost is very affordable, about $13 per month $150 per year for a basic general liability coverage.

If you’re looking to get your hands on a workers’ comp policy, then the number of employees that you have will also influence the cost of your insurance. More employees means more potential wages to cover in case there’s an issue and your workers’ stream of revenue is interrupted.

Insurance companies will also look at the complexity of your work and whether there are any risks inherent to it. If you work with a kind of body paint that can potentially cause allergic reactions in your clients, then you’ll likely see your premium increase due to that possibility.

The most affordable face painting businesses to insure are those that tend to do small work like temporary tattoos. On the other hand, if your business operates in the circus industry and you’re working on face paint for dozens of people per day, then you’ll see a much higher premium.