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Working in the beauty industry takes plenty of training and that still doesn’t mean that mistakes can’t happen.
Unfortunately, like in other related fields such as cosmetology business, making a mistake in permanent makeup might even end up incurring charges against you.Thats why having a permanent makeup insurance is crucial.
Over the course of this guide, we’re going to go over the details of microblading insurance and permanent makeup insurance. These beauty procedures are growing in popularity and require the best business insurance for permanent makeup artists.
Liability insurance tends to be the most common type of coverage for microblading professionals, probably because this is the first coverage that carriers encourage them to purchase.
The most damaging claims against microblading artists are typically liability claims brought on by clients who have sustained property damage or bodily injuries.
That client can go on to sue you for their medical bills, even if you weren’t negligent in the performance of your job, so liability insurance is a crucial part of keeping your income stream safe.
There are many types of microblading liability insurance. However, the most common ones are:
If an employee accidentally causes injuries or damages the property of the customer, your business might be liable for what happened.
This is where general liability insurance for permanent makeup and microblading comes in. General liability will take care of property damage claims and personal injury claims.
Most permanent makeup and microblading businesses decide to get a $1 million general liability coverage. However, this might not be enough as a personal injury claim or property damage claim might cost more than $1 million.
Employees can commit unintentional errors and omissions sometimes, and clients might suffer from the repercussions. That’s why you shouldn’t forget getting professional liability insurance.
Professional liability insurance will cover negligence claims made against your business. Other perils covered are violation of good faith and inaccurate advice.
The cost of microblading insurance tends to be higher than other small business insurance coverages.The risk that’s inherent in microblading is much higher. Microblading can potentially result in complications if not handled properly, then insurers will charge you high premiums if you’re not experienced.
The average microblading insurance cost is about $53 per month or $636 per year for a $1 million general liability coverage.
There isn’t much of a difference between liability insurance for microblading and liability insurance for permanent makeup and cosmetics businesses. Cosmetic tattoo insurance will cover you in case someone gets injured or their property is damaged while they’re at your place of business.
As with microblading liability insurance policies, you can choose between general and professional liability coverage. The difference is that professional liability coverage will protect you in case of errors whereas general coverage will kick in if you caused personal injuries or property damage
Your employees can get sick due to continuous exposure to ink or suffer wrist injuries due to repetitive hand movements. Employers like you are mandated by law to shoulder the cost of medication and a weekly allowance of employees who get injured at work.
Get workers compensation insurance to cover medical bills, after-hospital visits, medication, and unemployment benefits. In case of death, workers comp provides money to the deceased employee’s dependents too.
Your permanent makeup and microblading salon can be covered with insurance too. To do this, purchase commercial property insurance. Basic commercial property insurance will provide money the moment your commercial building got damaged or its structures got damaged.
This one will help you reconstruct the building if it’s damaged or totaled by fire. You can also use this policy to repair or replace damaged flooring, glass window panels, doors, signages, and more.
Equipment and stocks inside your permanent makeup and microblading salon aren’t covered by basic commercial property insurance. If you want more protection, add business stocks and contents coverage as well as equipment coverage to commercial property insurance.
Get all the best quotes from leading providers in a click of a button!
Generally , the average permanent cosmetics insurance cost is about $49 per month or $588 per year for a $1 million general liability insurance.
As with microblading, the rates that you’re offered depend on the experience of your beauty technicians and the size of your business as well as other regular risk factors.
A larger business will have higher premiums because they’re expected to have more clients and employees than a small one, such as one run out of your home.
Semi-Permanent Makeup Insurance
Semi-permanent makeup insurance is usually more affordable than permanent makeup insurance because the results can sometimes be reversed. There’s also less of a risk in semi-permanent procedures since they tend to be a little bit less invasive than permanent ones.
The more invasive your work is, the more likely that you’ll have to pay a higher premium for your insurance because of the higher chances of someone getting injured while you work on them. Semi-permanent makeup artists also don’t need to be as thoroughly trained as permanent makeup artists.
The average semi-permanent makeup insurance cost is around $29 per month or $348 per year for a $1 million general liability insurance.
Business Owners Policy for Permanent Makeup and Microblading
Purchasing a business owner’s policy is the quickest way for you to get comprehensive insurance for PMU artists.
A business owner’s policy allows you to get general liability and commercial property coverage in one purchase and at a very low cost. Furthermore, you can decide to endorse additional policies to it.
It is one of the Best PMU Insurance Companies covering independent permanent makeup and microblading professionals. There are four options in getting coverage from CoverWallet.
If you have assistants, the company recommends you to bundle general liability and commercial property insurance so that you become qualified to get covered with workers comp insurance.
Average cost: $21.48 per month
NACAMS stands for the National Association of Complementary and Alternative Medicines. This organization exists to provide a wide range of professionals with liability insurance, including professionals who work in the fields of cosmetology, dance, nail techs, yoga, and more.
Average Cost: $41 per month
Get all the best quotes from leading providers in a click of a button!
Allen Financial works in the field of specialty insurance, and they’ve been providing Americans with coverage since 1971. The company dabbles in the fields of tattooing , agribusiness, spas, sports, and permanent makeup like microblading and that makes it one of the Best Microblading Insurance Companies. Allen prioritizes efficiency and customer service above all else.
Allen Financial offers insurance for permanent makeup artist businesses under their microblading and permanent makeup policy.
Average Cost: $53 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
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Coolest concept, I wish this was applied to other insurance products too.
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Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
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Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
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Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
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Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
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Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
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Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
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10 / 10
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0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
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Best insurance ever
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Coolest concept, I wish this was applied to other insurance products too.
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