Face Painting Insurance: Business Liability & Quotes From $11

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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 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

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 a very comprehensive coverage that doesn’t only protect you against personal injury claims and property damage claims filed by third parties or members of the public. General liability provides more protection with the following optional policies:

• Advertising injury coverage

• Products and completed operations coverage

• Rented premises liability coverage

A basic general liability insurance only covers claims filed at the same time a covered peril happened. 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. 

As the name implies, products and completed operations kicks in if third parties file a personal injury claim or property damage claim after you delivered a product or completed a service that caused injuries or destroyed property. Here are some example situations where this optional policy becomes practically useful:

• Someone hired you to provide face painting service to a dance group.  A day later after you provided the service, the client called and demanded you pay for the medication of one of the dance group’s members who suffered from a delayed allergic reaction to the paint you used. 

• You were face painting in someone’s house for a birthday party. Everything is busy and you spilled some paint on the homeowner’s carpet. The homeowner didn’t notice this immediately as she was very busy organizing things. Two days after you completed the job, the homeowner called and demanded you pay money so that she can get the stained carpet replaced. 

Copyright infringement, slander, and libel claims are very common exposures among face painters. That’s why you should get protection against these. To do so, add advertising injury coverage to general liability insurance. Advertising injury coverage in general liability insurance will cover defense costs and settlements if third-parties accuse you of committing slander, libel, copyright infringement, and other forms of reputational harm. 

Face painters like you commonly rent a space in festivals and other events. Of course, you’ll have to shoulder costs if the rented space is damaged or destroyed whether it’s someone’s fault or your fault. It’s great if you add rented premises liability coverage. A general liability insurance with rented premises liability will reimburse the owner of the commercial space or pay for repairs if the landlord demands you fix the damages. 

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. 

Protect yourself against the above perils by purchasing professional liability insurance. Insurance companies recommend face painters to get this aside from general liability insurance. 

Why? 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. 

Insurance companies underwrite professional liability insurance as a claims-made policy and occurrence policy. Claims-made professional liability insurance only provides coverage to claims filed at the time a covered peril happened and while the policy is active. On the other hand, professional liability insurance covers claims filed regardless if the policy has long expired so long as coverage is in effect when the covered peril happened. 

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. 

Keep in mind though that auto liability coverage won’t help if you caused a vehicular accident while engaged in any criminal activity - driving under influence, driving in hot pursuit with policemen, driving recklessly, overspeeding, etc. 

Your vehicle might get damaged. And it’s reassuring if you have an insurance policy that will pay for parts repair or replacement.  Buy physical damage coverage if you don’t want to pay for expenses yourself if your vehicle gets damaged in a collision or other incidents. 

Physical damage coverage has two forms - collision and comprehensive. Collision physical damage coverage, as the name implies, takes care of parts repair or replacement costs if the car you’re driving is damaged in a vehicular accident. Coverage applies no matter who is at fault. Also, this policy can be claimed even if you’re not the one driving the car when the vehicular accident, which incurred some damages, happened. 

As for the other one - comprehensive physical damage coverage; it takes care of parts repair or replacement expenses if the following damages your vehicle:

• Fire

• Theft

• Vandalism

• Hail

• Storm

• Typhoon

• Hurricane

• Other covered perils

Trip interruptions won’t only stop you from meeting clients on time, but they will also cause you to spend money on a plethora of services to get your car running once again. 

Emergency roadside assistance ascertains that, in case the car acts up during the trip, you’ll get a reimbursement for any resulting out of pocket expenses for the following services:

• Battery jump start

• Gas delivery

• Towing

• Tire repair

• Tire delivery and replacement

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

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. 

Aside from paints, your face painting business invests in work tools and equipment such as painting palettes, brushes, sponge, etc. Business equipment and tools coverage in commercial property insurance insures these. This coverage will reimburse your losses if palettes, brushes, and other work tools and equipment is damaged or lost because of fire, 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. 

So when do you get workers compensation insurance? When to get it depends on which state your face painting service business is located. For example, if your business is in Arizona, you’ll need to get workers comp as soon as you have one employee. But if your business is in Missouri,  there’s no need to get workers comp unless five or more people are working for you. By the way, Texas is the only state in the US that doesn’t require employers to get workers comp.

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.

The average face painters insurance cost is very affordable, about $13 per month $156 per year for a $1 million 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.