Makeup Artist Insurance: What do You Need?

Your work as a make-up artist brings the rewards that come from making customers look and feel great. Whether that’s helping a bride dazzle on her wedding day, working with models on a fashion shoot, or helping clients recover their self-esteem with cosmetic camouflage. But this work is not without risk.

That is where specialist makeup artist insurance comes in. It is there to help you work your magic with confidence. So you can be secure in the knowledge that you, your clients, and your makeup artist business are protected should something go wrong.

Get the Right Cover: Understanding Business Insurance for Make-up Artists

Protecting your business, with effective insurance for make-up artists starts with understanding the risks you face. Then you can understand the insurance covers you need to protect against them.

As with any business, that will depend to an extent on the nature of your work as a make-up artist. You’ll need to protect everything from your premises and your client base to the range of treatments and services you offer.

However, some of the most important make-up artist insurance covers to consider include:

Public Liability Insurance for Make-up Artists

This cover is designed to protect your business if a customer falls ill, is injured, or their property damaged as a result of using your services. For instance, a cosmetic such as a lipstick or foundation might damage clothes or a slip, trip, or fall might leave a customer injured. Public liability insurance for makeup artists will help cover the cost of legal fees and compensation if a customer suffering injury or property damage makes a claim against you.

Make-up Artist Treatment Risk Insurance

Treatment risk insurance is often considered an extension to public and products liability, which includes professional skills and treatments.  This insurance provides cover in the event a customer is injured or sustains damage as a direct result of a treatment you administer.  This insurance can help protect you as long as you:

• Follow health and safety regulations.
• Follow manufacturers guidelines.
• Manage risk through patch testing for example.
• Make sure all the treatments and services you provide are covered.

So if you do all of these things, if a customer has an allergic reaction following your work for example, you'll be covered. 

Products Liability Insurance for Make-up Artists

If you sell beauty products to customers, this is another cover you will need. It covers legal costs and compensation. But in this case can protect you in the event that you inadvertently sell defective or unsafe products.

Employers Liability Insurance

If you have employees or volunteers as part of your make-up artist business, employers liability insurance is a legal requirement - no matter the size of the team you employ, even if you only have one volunteer or member of staff working on a part-time basis. Employers liability can help to cover legal fees and compensation if an employees become ill or injured at work and make a claim against you.

Property Insurance for Make-up Artists

Whether you work from home or at a dedicated premises, property insurance can help to cover costs and get you back up and running if the property or its contents are affected by serious incidents like fire or flood.

Make-up Artists’ Equipment Insurance

Many makeup artists rely on specialist tools and equipment to do their job. So you may need this cover to protect you against unexpected costs if those tools are lost or stolen. This can include theft from vehicles if you provide a mobile service or travel to carry out specific jobs.

There are a range of other makeup artist insurance covers available. From business interruption to help replace lost income during a crisis, to legal expenses insurance to help with the cost of legal disputes. For instance, it can provide cover if there’s a disagreement over the terms of a contract with a supplier. Speak with an insurance broker to understand the makeup artist insurance cover you need for your business.