Working as a makeup artist means dealing with risks every day – and those risks are about more than botched eyeliner or a messy foundation match. From theft to accidents, you want to protect your business (and your clients, and your employees).

The right insurance gives you peace of mind so you can do what you love without stressing over potential legal or financial headaches.

Let’s break down what makeup artist insurance is, what it usually covers, and why it’s such a smart move for your business.

What Is Makeup Artist Insurance and What Does It Cover?

Makeup artist insurance protects you from financial losses that could pop up due to accidents or injuries. It can include professional liability coverage designed specifically to cover the unique risks of being a makeup artist, but also the basics like general liability insurance, which covers workplace accidents like a client tripping over your equipment or property damage during a booking. Some policies go further and offer protection for your expensive tools and products. 

Whether you’re freelancing, renting a chair in a salon, or running your own business, makeup artist insurance is your financial safety net. Work with confidence knowing you’re prepared for unexpected hiccups (and won’t have to shell out thousands when accidents happen).

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Types of Makeup Artist Insurance

As a makeup artist, you create beauty and confidence for your clients. But running a business in the beauty industry comes with some risks, and that’s where the right insurance comes into play. By protecting yourself with tailored coverage, you can handle challenges confidently and keep your attention on helping your clients feel beautiful. 

Here are the most common types of insurance for makeup artists and how they protect your career.

Professional Liability Insurance

Sometimes, things don’t go as planned. Professional liability insurance covers you if a client claims you made a mistake or were negligent. If someone reacts poorly to a product or feels your work didn’t meet their expectations, professional liability insurance companies handle it. 

Without this coverage, you’d be responsible for covering legal fees, court costs, and potential settlements out of pocket – which quickly add up. Professional makeup artist liability insurance gives you the financial and legal support to navigate tricky situations.

General Liability Insurance

Accidents happen, and general liability insurance is your safety net when they do. If a client trips over your makeup kit or you accidentally stain something valuable, this coverage helps with the costs. It’s especially important for on-the-go artists working in clients’ homes, studios, or event venues where the risk of accidents may be higher. 

Product Liability Insurance

Product liability insurance has your back if you sell beauty products or recommend specific ones as part of your service. Imagine a product you sold causes a rash or ruins someone’s favorite jacket – it’s not fun, but this coverage protects you from financial fallout. 

This type of insurance is especially important for makeup artists who create custom products or partner with brands. You’re protected from potential financial risks tied to your recommendations or sales.

Try GlossGenius free for 14 days! 

5 Examples of Insurance for Makeup Artists

There are a lot of providers who offer coverage for makeup artists, so do your research. If you aren’t sure where to start, the companies below are solid options with flexible policies based on the size of your business and the services you offer. 

1. Insureon

Insureon offers tailored coverage for all sorts of beauty businesses, from self-employed makeup artists to bustling salons. The platform lets you compare quotes from top insurance providers and choose coverage suited to your needs, like liability protection for client injuries or claims related to your work. It’s also simplified the process to just three steps: apply online, compare quotes, and choose your policy. 

2. Elite Beauty Insurance

Elite Beauty Insurance provides a range of protections specifically designed for makeup artists, whether you’re a freelance professional or part of a larger operation. Its coverage includes professional and general liability insurance, protecting you from claims related to accidents, negligence, or dissatisfied clients. 

Additionally, Elite Beauty Insurance offers personal injury and advertising coverage, which protects you if you face allegations like defamation tied to your business. Plus, you can get identity theft protection, which is a useful added layer of security.

3. Beauty and Bodywork Insurance

Beauty and Bodywork Insurance (BBI) provides general liability and professional liability coverage for beauty professionals. It offers policies with limits ranging from $500,000 to $2 million, depending on your coverage – huge for small businesses. On top of that, BBI’s coverage can meet most contract insurance requirements, which is important if your workplace has specific parameters. 

4. Hiscox

Hiscox has insurance policies that cover general liability, professional liability, and more. Its policies cover up to $2 million in general liability and up to $1 million in professional liability. And if insurance payments spook you, Hiscox has flexible payment options with no additional fees.

5. Thimble

Thimble’s online insurance covers third-party bodily injury, property damage, and defense costs. Its unique selling point is its on-demand insurance model, which lets you purchase coverage by the hour or day. This makes it ideal for those working on short-term projects or looking for freelance makeup artist insurance.

Makeup Artist Insurance Costs

Insurance costs for makeup artists vary quite a bit. According to Insureon, the average cost of general liability insurance is $42 per month, but it depends on where you operate, how many employees you have, and what other types of insurance you need.

Instead of looking up average numbers, it’s a good idea to get quotes or use a calculator with your specific information. The Small Business Administration (SBA) has a great tool for calculating startup costs so you know what you need to get your makeup artist business off the ground.

Scale Your Makeup Business With GlossGenius

Incorporating insurance into your makeup business is a must. But it’s hard to know where to start. The good news? If you’re looking for support, you’ve got it with GlossGenius. 

GlossGenius is the ideal partner for makeup artists looking to get all their ducks in a row without the hassle. With features like small business loans to help you scale, easy online booking, and client management tools that keep everything organized, you can keep your focus on your career. 

Try GlossGenius free for 14 days! 

Ready to take your makeup business to the next level? Start a free 14-day trial of GlossGenius today.

FAQs

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Do You Need Insurance To Be a Makeup Artist?

While it’s not legally required in any state, having insurance as an independent makeup artist is smart. It protects you from any surprises and accidental costs. Plus, some venues require that you prove you’re insured, and if you have employees, you need to have them covered.

What Kind of Insurance Does an Artist Need?

It’s best to look over the options and determine what suits your business best, but most makeup artists go for general liability insurance to cover accidents (like a spilled product on someone’s furniture). It’s also a good idea to add professional liability insurance. In general, the more the merrier – because you never know what will happen.

Can a Makeup Artist Get Sued?

Unfortunately, a makeup artist can get sued. A few potential reasons include allergic reactions to products, accidental injuries during a session, or unhappy clients who didn’t appreciate your work. 

For example, if a client experiences a skin rash because of the makeup an artist applied, they might hold them liable for medical expenses. Similarly, if an artist accidentally touches someone’s eye while applying mascara, they could file a personal injury claim. 

You never know whether a claim will hold up in court. Having the right insurance in these situations protects you financially, even if you’re in the right.