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Makeup Artist Insurance: Liability, Cost & Quotes From $5

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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, tanning salon,  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

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We’re going to explore what you need to know about the various forms of insurance coverage available for makeup artists and 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.


Also read: Beauty Insurance: Beauty Business Insurance

Makeup Artist Liability Insurance

Makeup artist liability insurance protects you from third-party claims. This is primarily offered as a general liability policy. However, there are other options as well such as professional liability insurance and public liability insurance. Let’s discuss these three in more detail. 

 

General Liability Insurance for Makeup Artists 

General liability insurance is the primary protection for makeup artists. It covers you from the most common and damaging situations. Here are some examples:

  • The client didn’t tell you that she is allergic to specific makeup brands. Coincidentally, you used a makeup brand to which the client is allergic

  • You were blading a client’s eyebrow. The client suddenly twitched and this caused the blade to slip. This resulted in you wounding the client

  • The client was using her phone while you were applying liquid makeup on her face. For some reason, you spilled the liquid makeup on the client’s phone and clothes. 

 

As you might have guessed from the above examples, general liability insurance will provide protection if you injure the client or destroy the client’s property. In practice, this insurance policy will help you compensate the client for his or her pain, suffering, and economic losses due to damaged property. General liability will also pay for defense, settlements, and other legal costs if the client takes the matter to court. 

 

General liability insurance provides more protection if you decide to add optional policies to it. Optional policies common in makeup artist general liability insurance are:

  • Products and completed operations

  • Advertising injury coverage

 

Products and completed operations coverage in general liability insurance will protect you from personal injury claims and property damage claims past clients file. 

 

Your business might be accused of copying another business’s ad, badmouthing a client or another business, or falsely advertising services. Claims filed due to any of these causes will be very expensive. That’s why general liability insurance has advertising injury coverage that will shoulder defense costs and settlements for slander claims, defamation claims, copyright infringement claims, and false advertising claims. 

 

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.

 

Makeup Artist Professional Liability Insurance

You might commit a mistake while providing a makeup service. It’s also likely for a client to accuse you of being negligent. Committing a mistake and being negligent are valid grounds for a client to file a claim, and professional liability insurance will protect you. 

 

Professional liability insurance will cover costs if a client sues you for the following:

  • Negligence - A client told you not to use a particular makeup brand because she’s allergic to it. You forgot this instruction and proceeded to use the makeup brand that you’re told not to use

  • Omissions - Before hiring you for a wedding, it was agreed that you’ll have to provide a makeup service for all of the client’s bridesmaids. While working, an emergency happened and you have to excuse yourself without telling the client. Only a few bridesmaids had their makeup done as a result

  • Inaccurate advice - During a makeup service, a client asked you what would be the best makeup for her job interview. You gave your suggestion and the client agreed. However, the result didn’t meet expectations.

 

Professional liability insurance is also known as errors and omissions insurance or professional indemnity insurance. For lawyers, surgeons, veterinarians, social workers, and other related professionals, this is also known as malpractice insurance. 

 

We recommend you have professional liability insurance and general liability insurance. It’s because these policies work in tandem to give you the best protection against third-party claims.


Liability Insurance Isn’t The Only Protection You Need


Personal injury claims, property damage claims, and negligence claims aren’t the only exposures you’re facing.  That’s why it’s not bad if you get other business insurance policies for makeup artists namely:

  • Commercial property insurance

  • Workers compensation insurance

 

Commercial Property Insurance

If you’re a makeup artist providing services in his or her shop, commercial property insurance will be very useful. Your shop might get damaged or destroyed. Commercial property insurance will cover expenses if any of the two happens. 

 

Fire and extreme weather might destroy your commercial building. Reconstructing it will surely take a lot of money. However, if you have commercial property insurance, you’ll surely have your building back because it will pay for reconstruction expenses. 

 

Theft, vandalism, fire, extreme weather, and other related perils might damage your commercial building’s structures. Commercial property insurance will also take care of these by paying for building repair expenses. 

 

Commercial property insurance has additional coverages you can decide to purchase for better protection. These are:

  • Business equipment and tools coverage

  • Stocks and contents coverage

 

Business equipment and tools coverage in commercial property insurance will cover all the tools and equipment you’re using to provide makeup services to clients. This will reimburse your losses if the following gets damaged or lost because of fire, theft, and other covered perils:

  • Brushes 

  • Mirrors

  • Tweezers

  • Reclining chairs

  • Cosmetic spatulas

  • Cosmetic palettes

  • Makeup LED lights 

  • Other tools and equipment comprising a typical makeup kit

 

Concealers, moisturizers, and other related products are very costly. This is why insurance companies include stocks and contents coverage in commercial property insurance. If concealers, moisturizers, and other related products are damaged because of fire, theft, vandalism, and other covered perils, stocks and contents coverage will reimburse your losses. 

 

If an Earthquake or Flood Happens, Will Commercial Property Insurance Cover Me?

Good thing you asked. Commercial property insurance excludes damage or destruction to your commercial building due to an earthquake or flood.  Protect your commercial building against earthquakes through specialized earthquake insurance. To cover a flood, you need tailored flood insurance

 

Workers Compensation Insurance

Workers' compensation insurance is a must if you’re a makeup artist working with employees. Your employees might experience carpal tunnel, allergies, and other injuries or illnesses associated with makeup service. As the employer, it’s your responsibility to take care of treatment, hospitalization, rehabilitation, and lost income compensation. 

 

Of course, you don’t want to use personal funds or business funds when doing so. That’s why there’s workers' compensation insurance available. If an employee suffers from a work-related injury or disease, workers' compensation insurance will be the one to pay for rehab, treatment, hospitalization, and compensation for lost income. 

 

Speaking of compensation for lost income, how much will the employee receive? Workers' compensation insurance will provide two-thirds of an eligible employee’s average weekly wage. For example, if your makeup service business’s employee makes $1,256 per week. The amount of lost income compensation workers comp provides will be $841.52. 

 

Is Workers Compensation Insurance Enforceable?

Labor laws or workers comp laws (depending on which applies in your state) mandate the purchase of workers comp insurance and punish violators.  The punishment differs from state to state. Here are some examples:

 When to Get Workers Compensation InsurancePunishment for Not Getting Workers Compensation Insurance
Rhode IslandEmployers with one or more employees need to get workers' compensation insurance regardless if such employees are part-time, full-time, regular, or contractual. An exception applies to sole proprietors, partnerships, farmers/agriculture, and domestic service. Authorities impose a $1,000 fine for each violator multiplied by the number of days insurance isn’t purchased. Employers might also face felony charges punishable by 2-year imprisonment and $10,000 fine upon conviction
OregonEmployers with one or more part-time or full-time employees need workers' compensation insurance. However, an exception applies if the business’s monthly payroll is less than $500Authorities will impose a fine equal to twice the amount the employer would’ve paid for workers' compensation insurance premiums. If the employer continues not to get workers comp, a $250 fine will be imposed multiplied by the number of days workers compensation insurance isn’t in force
New HampshireEmployers must get workers compensation insurance as soon as there are one or more part-time or full-time employees *Note: family members - nieces, sons, daughters, etc. - helping with the business are considered as employees to be covered with workers comp under New Hampshire’s Workers' Compensation Law RSA 281-A: 5First-time violators will face a fixed $1,000 fine. Repeat violations will face a $1,000 fine plus a $100 fine multiplied by the number of employees not covered by workers' compensation insurance 
WashingtonAuthorities require businesses having one or more employees to get workers' compensation insurance*Note: Independent contractors are considered employees An employer who fails to provide workers' compensation will be fined a $1,000 fine or an amount twice the cost of workers comp insurance premiums, whichever is greater
MassachusettsAll employers operating in Massachusetts are required to carry workers' compensation insurance for their employees. Sole proprietors also need to get workers' compensation insurance. Minimum fines are $100 per day, including weekends and holidays, beginning on the date the penalty was issued. Fines accrue daily until insurance coverage starts and the fine is paid. 




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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 lesser 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.


Also read:


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.

So what are the policies offered in self-taught makeup artist insurance? Self-taught makeup artist insurance offers the following:

PolicyWhat’s Covered
General liability insuranceBodily injuries, property damage, advertising injuries
Professional Liability insuranceViolation of good faith, negligence, misrepresentation, and other acts constituting errors and omissions
Loss of income insuranceCovers losses if a self-taught makeup artist is interrupted from providing a service and generating income
Tools and equipment insuranceCovers the tools and equipment of a self-taught makeup artist that were damaged on-site or off-site because of fire, extreme weather, and other covered perils

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.

Mobile Makeup Artist Insurance

Mobile makeup artists go to their clients' places to provide a service. If you’re one of them, then know that a tailored insurance plan won’t only include general liability, professional liability, and commercial property insurance. Specialized protection will also have commercial auto insurance.

Commercial auto insurance will cover the van you’re using to meet clients and carry equipment and tools as well as makeup products. This offers the following protection:

  • Auto liability coverage - Commercial auto insurance will cover expenses if you caused a vehicular accident. It will pay for the medical treatment of injured parties and will reimburse owners who had their property damaged. Defense costs and settlements are also covered if someone decides to sue you

  • Physical damage coverage - Commercial auto insurance has a physical damage coverage that will pay for parts replacement or repair. Physical damage coverage has two forms - collision and comprehensive. Collision physical damage coverage will pay for parts repair or replacement if the commercial vehicle was damaged by colliding with an object or another vehicle. Comprehensive, physical damage coverage, on the other hand, will pay for parts replacement or repair if the damage is caused by fire, theft, vandalism, and other covered perils


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.

The average makeup artist insurance cost for a $1 million general liability coverage is relatively cheap, about $26 per month or $312 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.

CompanyCost per monthCost per yearBest for
CoverWallet$20$240Comparing the quotes of insurance companies available for makeup artists online
Thimble$23$276Comparing the quotes of insurance policies available for makeup artists online
BBI$27$324Small makeup businesses
Elite Beauty Society$30$360Larger makeup businesses

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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 on 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 the companies we've reviewed below. We’ve gathered them here so that you know their pros, cons, and pricing for a $1 million general liability coverage. 

 

 

CoverWallet Makeup Artist Insurance

 

Pros

  • Cancel a policy anytime

  • Compare insurance quotes online

  • A partner of reputable insurance companies 

  • BBB accredited with an A+ rating

Cons

  • Not an insurance company but an insurance broker

 

CoverWallet doesn’t have tailored makeup artist insurance. However, it has an online quotes comparison platform you can use to find carriers that cover your business. Using it won’t take long. All you have to do is provide the details of your business, and you’ll then receive the offers and pricing of different makeup artist insurance companies. Another way to get covered is to ask CoverWallet representatives if you can qualify for the company’s beauty & hair salon insurance. 

 

Best for:  Comparing the quotes of insurance companies available for makeup artists online

Average cost: $20 per month

Our rating: 10/10

 

Thimble Makeup Artist Insurance

 

Pros

  • Get insured in an instant

  • Choose not to have a deductible

  • Get covered for only hours, days, weeks, or months

Cons

  • Customer service is not reachable via phone

 

Thimble offers general liability and professional liability insurance. Though not very comprehensive,  this company’s insurance for makeup artists still holds water. Why? It’s because you can purchase it as an on-demand and a temporary policy. Get insured fast and choose to have coverage for hours, days, weeks, or months

 

Best for: On-demand makeup artist insurance

Average cost: $23

Our rating: 9/10

 

BBI Makeup Artist Insurance

 

Pros

  • Affordable

  • General and professional liability coverage

  • High coverage limits

Cons

  • Not too many coverage options

 

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 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.

 

Best for: Small makeup businesses

Average Cost: $27

Our Rating: 8/10

 

Elite Beauty Society Insurance

 

Pros

  • Offers monthly payment

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

  • $100,000 in rental property damage protection

Cons

  • A little more expensive

 

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 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.

 

Best for: Larger makeup businesses

Average Cost: $30

Our Rating: 7/10



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