Working in the realm of beauty means that you often have to work on other people and serve them. Whether you’re running a permanent makeup business, spa or maybe a face painting business, it’s always a good idea to get the right kind of business insurance so you’re always covered. The same can be said for makeup insurance, which will be the subject of this guide.

We’re going to explore what you need to know about the various forms of insurance coverage available for makeup artists and we’ll also discuss what you can expect to pay for your policy. We’ll also give you a general overview of some of the top makeup artist insurance companies on the market.

Makeup Artist Liability Insurance

Insurance for makeup artists usually comes in the form of liability insurance coverage. While this isn’t the only kind of insurance for makeup artist businesses, it covers you from the most common and damaging situations. For example, if someone ends up getting injured while you’re doing their makeup.

Keep in mind that liability insurance can also cover you if someone ends up sustaining property damage while they’re at your place of business, like breaking their phone while you work on them. There are various forms of liability insurance, including general liability, public liability, and a lot more.

Makeup Artist Public Liability Insurance

Public liability insurance is popular among makeup artists because of how affordable and useful it is compared to other kinds of liability insurance. While it may not protect you from as many people as general liability coverage, public liability insurance is cheaper on its own as a standalone policy and it covers you from members of the public, who are generally the most likely to sue or have claims against your makeup business.

Members of the public include any third parties that come to your place of business, including your customers. Members of the public also include suppliers who are coming to restock your beauty supplies and even people who are just walking by your business and end up getting injured on your property.

Freelance Makeup Artist Insurance

Insurance for makeup artist businesses that operate with freelancers tends to be more affordable than that for more established businesses for a range of reasons. The first and most obvious reason why it’s cheaper is because there is a lot less risk since a freelancer typically works on their own.

A freelancer will also typically deal with fewer clients over the course of a year than an established business, meaning that they’ll be a lot less likely to get sued. All of this comes together to result in surprisingly affordable makeup insurance policies when purchased by freelancers.

Self-Taught Makeup Artist Insurance

Self-taught makeup artist insurance tends to be a little more affordable than insurance for larger businesses, but it’s a little pricier than freelance coverage because the insurance company doesn’t have as much trust in you. Remember that an insurer doesn’t necessarily know you, so they only have your education and history to judge you by.

If you taught yourself how to do makeup, there’s no guarantee that you’re actually good at it or qualified, even if you might be. Unfortunately, this means that you’ll end up paying more for your insurance, but the increase in price shouldn’t be that high due to the relatively low average cost of makeup artist insurance.

Makeup Artist Insurance Cost

As we’ve already mentioned in passing, the cost of insurance coverage for a makeup artist can vary dramatically based on the kind of work they do and their qualifications. Beyond the makeup artist themselves, insurers will also consider the size of the makeup business that they’re working with.

Generally speaking, the average makeup artist insurance cost for standard general liability coverage is relatively cheap, about $26 per month or $310 per year.

At the end of the day, the cost of your makeup artist insurance depends on the amount of risk that the insurer is taking on your behalf. If you’re seeing multiple clients per day, then it’s likely that you’re at a higher risk of getting sued by one of them, which will increase your insurance premiums.

Also, the cost of your insurance will depend on your history as a makeup artist, so if you’re known to make mistakes while doing your job, you’ll also have a higher premium.

Best Makeup Artist Insurance Companies

Instead of having to search through countless companies for a decent makeup artist insurance quote, you might want to use our quotes comparison tool by clicking one of the 'Get Quotes' buttons at this page, completing the form and comparing cheap makeup artist insurance quotes and coverage options online from some of the best makeup artist insurance companies in America. You also might want to take a look at one of the companies we've reviewed below. We’ve gathered them here and compared their options for makeup artists so that you’ll have an easier time when having to make the choice.

BBI Makeup Artist Insurance

Beauty and Bodywork Insurance isn’t a traditional insurance company since they’re actually a risk purchasing group, which means that they’re a bunch of people who have pooled their resources for group insurance. They operate in the makeup industry, as well as face painting and massage therapy.

BBI Policy Details

BBI offers a policy that combines general and professional liability for makeup artists, with a limit of $3 million and $2 million per occurrence. Their coverage also offers up to $300,000 of coverage for damage to premises rented, and it even has a $2000 limit on inland marine and personal business property coverage.

Pros

• Affordable

• General and professional liability coverage

• High coverage limits

Cons

• Not too many coverage options

Average Cost: $8 per month

Best for: Small makeup businesses

Our Rating: 4/5

Elite Beauty Society

The Elite Beauty Society isn’t exactly an insurance company, but they’re a network of beauty professionals that exists to support each other, including providing each other with insurance opportunities. This society has been in operation since 2015, and they started off as Beauty Insurance Plus.

Elite Beauty Society Policy Details

Elite Beauty Society offers two plans for makeup artist insurance, one of which lasts one year and the other which lasts two years. They also offer a discount for students who are still in beauty school, and they even offer monthly payment options that are as low as $15.50 per month.

Pros

• Offers monthly payment

• $2 million in liability coverage (general and professional)

• $100,000 in rental property damage protection

Cons

• A little more expensive

Average Cost: $14 per month

Best for: Larger makeup businesses

Our Rating: 4.75/5