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Working in the world of beauty means that you often have to work on clients’ body part. Be it face or nails. Whether you’re running a permanent makeup business, spa, or salon, it’s always a good idea to get the right kind of business insurance for permanent makeup artist
This article will cover various forms of insurance coverage available for makeup artists, including freelance makeup artist insurance, the costs, and top makeup artist insurance companies on the market.
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 is the primary protection for makeup artists. It covers you from the most common and damaging situations. Here are some 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 coverage in general liability insurance will protect you from personal injury claims and property damage claims past clients file.
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.
In addition, self-employed makeup artist insurance for liability can cover the cost of public claims.
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.
Insurance for PMU artist professionals will cover costs if a client sues you for the following:
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. All of this comes together to result in surprisingly affordable makeup insurance policies when purchased by freelancers.
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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;
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 in commercial property insurance will cover all the tools and equipment you’re using to provide makeup services to clients.
Workers’ compensation insurance is a must if you’re a makeup artist working with employees.
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.
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.
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.
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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. Another way to get covered is to ask CoverWallet representatives if you can qualify for the company’s beauty & salon insurance.
Average cost: $20 per month
Our rating: 10/10
Thimble offers general liability and professional liability insurance. Though not very comprehensive, 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
Average cost: $23
Our rating: 9/10
BBI Insurance
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.
Average Cost: $27
Our Rating: 8/10
Elite Beauty Society Insurance
The Elite Beauty Society has been in operation since 2015, and they started off as Beauty Insurance Plus. They 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.
Average Cost: $30
Our Rating: 7/10
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