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, makeup artist business, or tanning salon business, making a mistake in permanent makeup can mean harming another person, and this might even end up incurring charges against you.
Over the course of this guide, we’re going to be going over the details of permanent makeup insurance and microblading insurance. These beauty procedures are growing in popularity with each day, and this means that more and more beauty businesses are opening up and require the best business insurance for permanent makeup artist available to this specific area of activity.
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.
An example would be someone who comes to you for microblading but ends up getting injured during the procedure. 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:
General liability insurance
Professional liability insurance
Cyber liability insurance
General liability insurance will help to pay for personal injuries and property damage you caused. The minimum amount of insurance money you’ll get is $1 million or $2 million. Note that if you plan to work as a contractual microblading artist, having general liability might be a requirement. In connection, here are some example situations where you’ll find this coverage useful:
While microblading a client’s eyebrow, your hand suddenly slipped. The client’s eyelid got cut as a result.
A client came in for a microblading session. This client is allergic to ink but proceeded to do microblading despite the risk. While microblading her, she complained of blistering pain. Just moments later, her eyebrows started to swell and became watery. After this happened, the client then demanded you pay for what happened to her.
During a session, your microblading tool suddenly became defective and spilled ink on the client’s expensive clothes. The client then filed a claim for property damage to get reimbursement for her loss.
Aside from accidents that happen during the microblading session, you also have to think about infections and permanent scarring - incidents that will make the client file a claim against you weeks or months after the microblading session has ended.
A basic general liability policy can only cater to claims made during the time the accident happens. It won’t cover claims made by your clients after receiving the microblading service in full.
And so, decide to add products and completed operations coverage in microblading general liability insurance. With products and completed operations coverage, general liability can help if clients file a personal injury claim and blame the microblading service you provided for their pain and suffering.
Microblading is a very delicate procedure. That’s why as a professional who makes money from it, you’re expected to observe the highest level of care when dealing with clients.
Mistakes can happen sometimes. It’s also possible for clients to say that you’re negligent with your work.
Professional liability insurance will cover you if you committed a mistake, which resulted in economic or financial loss for the client. This one also covers accusations of negligence, inaccurate advice, and other acts that count as errors and omissions. Here are some example situations where professional liability insurance can help:
After a microblading session, you forgot to tell the client to take medication, or else her eyebrows will get infected. Days after, the client returned with her eyebrows in a terrible state. She contested that her infected eyebrows were your fault because you forgot to tell her what to do.
A client is very unsatisfied with how her eyebrows looked after the microblading session. She then filed a claim and accused you of not doing the common measures any other microblader would’ve done to ensure that the end result is satisfactory.
Is professional liability insurance important? Very much. Note that negligence claims can be very expensive. Here are some real life examples:
A microblading salon in Northeast Ohio faced a $25,000 lawsuit after the customer complained of a botched microblading
A local microblading artist in Bend, Oregon faced a $10,000 lawsuit after a customer complained of a botched microblading
Are you a mobile microblading artist? If so, don’t let protection end with general liability and professional liability insurance. Consider getting commercial auto insurance too.
While it’s true that you can use your personal car insurance to cover a vehicle used for business purposes, the drawback with this is that you’ll have to pay a hefty premium for coverage that doesn’t offer tailored protection.
Get commercial auto insurance because it’s cheaper and more comprehensive. This business insurance can be endorsed with different policies so that your car is covered against physical damage and you can get reimbursement for emergency roadside assistance expenses.
The cost of microblading insurance tends to be a little bit higher than for other kinds of small business insurance coverages because of the risk that’s inherent in microblading. Since 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.
Since every business is different, you can expect to get different rates based on the size of your microblading operation and your history with clients as well as other risk factors. For example, if you have a history of people getting hurt at your microblading salon, you might end up paying much higher premiums than a competitor with a clean record.
|Company||Cost per month||Cost per year||Best for|
|CoverWallet||$21.48||$257.76||Permanent makeup and microblading insurance quotes comparison online|
|NACAMS||$42||$499||New beauty techs|
|Allen Financial||$53||$636|| Beauty salons that specialize in many different permanent makeup procedures |
Get all the best quotes from leading providers in a click of a button!
There isn’t much of a difference between liability insurance for microblading and liability insurance for permanent makeup and cosmetics businesses. Liability coverage will still cover you in case someone ends up getting injured or their property gets 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
Since permanent makeup procedures that don’t involve microblading have a lower risk of injuring a client, you’ll notice that the cost of insurance for non-microblading beauty and cosmetics professionals is a little bit lower. However, due to the already affordable insurance cost of most microblading policies, the savings aren’t quite that significant.
Generally speaking, 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.
|Company||Cost per month||Cost per year||Best for|
|CoverWallet||$21.48||$257.76||Permanent makeup and microblading insurance quotes comparison online|
|NACAMS||$39||$468||New beauty techs|
|Allen Financial||$50||$600||Beauty salons that specialize in many different permanent makeup procedures|
Semi-permanent makeup insurance is usually a little 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.
Are you running a salon that offers permanent makeup and microblading services? If the answer is yes, then you’ll need more comprehensive insurance. What’s perfect for you is a tailored permanent makeup and microblading business insurance for salons that has the following policies:
Employee dishonesty insurance
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. For the best protection, decide to get $2 million general liability coverage.
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.
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 avoid using company funds. You can claim this policy when an employee suffers from a work-related injury or disease. What’s typically covered are medical bills, after-hospital visits, medication, and unemployment benefits. In case of death, workers comp provides money to the deceased employee’s dependents too.
So is workers compensation insurance required? The answer to this is yes. You’ll need to purchase this the moment one or more people are working for you. The penalty for not having workers comp varies. For example, those who don’t get workers comp in Virginia can get fined up to $5,000; whereas in Oregon, you’ll have to pay twice the amount you would’ve paid for workers compensation (meaning that if workers comp insurance is $3,000 annually, the penalty will be $6,000).
As an employer, you’re in charge of providing a wholesome work environment for employees. You’re also expected to provide timely wages and employment benefits. If ever employees got hurt due to poor work conditions, then you might be held liable. General liability insurance doesn’t cover claims from employees. The same is also true for professional liability insurance.
If you’re worried about what you’ll lose if an employee files a claim, then decide to get employer’s liability insurance. Employer’s liability insurance pays for legal fees if an employee files a lawsuit against you. This will also pay the compensation demanded if ever you lose the case.
What if an employee demands payment because you allegedly committed workplace discrimination, sexual harassment, and other related acts? In this case, what can help is a related coverage called employment practices liability insurance, which has the same function as employer’s liability insurance.
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.
In case materials used for microblading and permanent makeup are damaged or lost due to theft, vandalism, fire, and other named perils; stocks and contents coverage will help you recover losses. On the other hand, equipment coverage pays if tools used by employees need repair or replacement.
Your employees can steal money from you or do other things that will result in financial loss. Employee dishonesty insurance provides protection against the cost of employee crimes. If you have this insurance policy, the insurance company will reimburse your losses. Note that employee dishonesty insurance will not provide coverage if the employee steals or commits other related crimes against your permanent makeup and microblading business again
Purchasing a business owner’s policy is the quickest way for you to get comprehensive coverage as an independent permanent makeup artist, microblading artist, or permanent makeup and microblading salon owner.
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. If you don’t want to consult an agent about what insurance policies to get, then a BOP is your best bet of insuring yourself without compromising personal needs.
Finding permanent makeup insurance quotes from top companies is often a headache if you don’t know where to look first, that's why we made it easy for you, by clicking one of the 'Get Quotes' buttons on this page and completing the simple form, you'll be able to compare permanent makeup and microblading insurance quotes online from some of the best permanent makeup insurance companies in the U.S.
In addition, knowing the companies to opt for can help simplify your search. The reviews below go over everything you need to know about the best permanent makeup insurance companies such as their pros, cons, and pricing for a $1 million general liability coverage.
However, keep in mind that there are several other good companies that can accommodate your permanent cosmetics insurance needs, so be sure to compare quotes through our quote comparison tool and find the best options at the best rates
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Compare permanent makeup and microblading insurance quotes online
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Allows you to get customized coverage
Not an insurance company but a broker selling the quotes of its partners
CoveWallet covers independent permanent makeup and microblading professionals. There are four options in getting coverage from CoverWallet. If you feel like you don’t need a lot of protection, then the company allows you to get covered with general liability insurance only. If you also want to insure work tools, then CoverWallet allows you to get general liability with commercial property insurance. 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.
Best for: Permanent makeup and microblading insurance quotes comparison online
Average cost: $21.48 per month
Our rating: 10/10
Good policy limits
General and professional liability coverage
Also features stolen equipment coverage
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.
NACAMS protects professionals through its microblading insurance policy, and this policy features professional and general liability coverage. There's a $2 million limit per occurrence and a $3 million limit annually. The policy also provides $2 million in product coverage and $100,000 in rental damage insurance.
Best for: New beauty techs
Average Cost: $41 per month
Our Rating: 9/10
Comes with cyber protection
Multiple liability coverage types
Covers multiple permanent cosmetic procedures
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. 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. Their coverage includes cyber protection, general liability, excess liability, and property coverage. In many states, they also offer workers’ comp.
Best for: Beauty salons that specialize in many different permanent makeup procedures
Average Cost: $53 per month
Our Rating: 8/10
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Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!