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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. That’s where a face painting insurance policy comes in.
This article explores the top face painting insurance companies available, cost and the various policies available.
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.
There are two main types of liability insurance for face painters, including professional liability, 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
They are more affordable than general liability because they will cover you in a smaller range of circumstances. Public liability policies protects 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
General liability coverage for face painting will be a little more expensive.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, General liability provides more protection with the following optional policies:
- Advertising injury coverage
- Products and completed operations coverage
- Rented premises liability coverage
General liability insurance only covers claims filed at the same time a covered peril happens.
In your job as a face painter, it’s possible for clients to hold you liable for any personal injuries and property damage incurred after the service has been done.
And so, a basic general liability insurance isn’t enough, and you should decide to add products and completed operations to it.
Professional Liability Insurance for Face Painters
Clients expect you to observe the maximum level of care when providing a service. Committing mistakes that will result in losses can be the reason for a claim to be filed against you. It’s also possible for someone to sue you for negligence or committing omissions.
Professional liability insurance will pay for defense costs and settlements if someone sues you for wrongful advice, misrepresentation, negligence, or omissions – things not covered by general liability insurance.
In other words, exclusions in general liability and covered by professional liability insurance. By having both, you will have the absolute protection against third-party claims.
Commercial Auto Insurance for Face Painters
Traveling is a part of your job as a face painter. And if you’re using an automobile or other vehicles to go meet clients, purchase commercial auto insurance or upgrade your personal auto insurance to commercial auto insurance.
Commercial auto insurance provides comprehensive protection to vehicles used for business purposes. The features will vary from company to the next. However, the following are the most common types of protection commercial auto insurance includes:
- Auto liability coverage
- Physical damage coverage
- Emergency roadside assistance
Auto liability coverage covers costs if you’re the one at fault for a vehicular accident. This inclusion in commercial auto insurance will help you pay for injured third parties’ medical treatment and will reimburse individuals who had their property damaged.
Auto liability coverage will pay for your defense costs if someone decides to take legal action against you.
Face Painting Service Business Insurance
If you’re running a face painting service business instead of working as an independent face painter, general liability, professional liability, and commercial auto insurance aren’t the only policies that will be useful.
The exposures of a face painting service business are more numerous than the exposures an independent face painter might experience. In connection, these insurance policies for a face painting service business are worth the investment:
- Commercial property insurance
- Workers compensation insurance
- Cyber liability insurance
- Employment practices liability insurance
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Face Painting Business Commercial Property Insurance
Commercial property insurance protects the building your face painting service business owns. Say, if a fire or extreme weather destroys your face painting business’s building, commercial property insurance will take care of reconstruction.
Other perils such as vandalism, theft, and riots might cause some damage, and commercial property insurance will cover repair expenses.
Your face painting business surely has a lot of valuable paints stored. You can insure those by adding stocks and contents coverage to commercial property insurance.
Commercial property insurance with stocks and contents coverage will reimburses your losses if the paints in your inventory is damaged or lost because of fire, extreme weather, theft, vandalism, and other covered perils.
Workers Compensation Insurance
Face painting isn’t a very perilous job Nonetheless, your employees will still experience musculoskeletal injuries and chronic diseases due to continuous exposure to paint .Face painting paint is harmless but it can still cause sickness with frequent contact.
You have to spend money if an employee gets injured or sick because of work. Things that you’ll have to pay for are treatment, hospitalization, rehabilitation, and lost income compensation.
Workers compensation insurance ensures that you don’t use personal funds to get an injured or sick employee hospitalized, treated, and rehabilitated.
Furthermore, this policy gives a weekly allowance if the employee can’t get back to work. The amount of allowance is equal to two-thirds of employees’ average weekly wage.
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.
The average face painters insurance cost is very affordable, about $13 per month or $156 per year for a $1 million general liability coverage.
In addition there are various factors that affect your premiums;
- No. of employees
- The complexity of your work and whether there are any risks inherent to it.
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Best Face Painting Insurance Companies
CoverWallet Insurance
CoverWallet doesn’t offer face painters insurance. However, this insurance broker has an online quotes comparison platform you can use to find insurance companies that cover face painters.
CoverWallet is still a good option because it allows you to buy the face painter insurance quotes of its partners. With CoverWallet, get insured and furnish a copy of certificate of insurance online.
Average cost: $7 per month
Our rating: 10/10
Pros
- Compare face painting insurance quotes online
- Easy policy management
- A partner of reputable insurance companies
Cons
- Not an insurance company but a broker selling the quotes of its partners
Thimble Insurance
Thimble offers commercial auto insurance and general liability insurance with tools and equipment coverage for face painters. But note that this insurance company doesn’t offer these policies in a bundle.
In other words, you’ll have to purchase commercial auto and general liability insurance as separate policies. In addition, Thimble gives you the option of only getting covered for only hours, days, weeks, or months.
Average cost: $7.85 per month
Our rating: 8/10
Pros
- Short-term insurance for face painters
- No deductible
- Cheap short-term insurance rates
Cons
- Takes long to process claims sometimes
BBI Insurance
BBI offers two kinds of liability policies for face painters. The more affordable of the two is the student liability policy.However, this is only available for students who are currently enrolled in beauty schools. All other face painters will have to apply for the professional liability policy, which is a little more expensive.
Average Cost: $8 per month
Our Rating: 7/10
Pros
- Two kinds of liability policies available
- Special provisions for students
- Instant coverage
Cons
- Not an actual insurance company
