Makeup Artist Insurance
As a makeup artist, you are both a beauty professional & a therapist.
Makeup artists are one part beauty professional and one part personal therapists. Clients come into your studio expressing how they want to look.
That expectation makes them feel good. And when clients come back to you, again and again, you build a relationship.
The level of trust customers place in their makeup artists is high. They are trusting you to help them look and feel great.
When that trust is broken by a simple mistake or even something that is completely out of your control, a claim against you and your business can result.
When your clients share their dreams and pains, you laugh and cry with them.
You hold the power of helping them feel better about themselves after leaving your chair.
Whether you are a hairstylist, barber, or beautician, the positive change you make for your clients influences the steady growth of the beauty industry.
As the demand for beauty treatments increases, employment for cosmetologists is expected to grow 13 percent through 2022.
Your clients need you to be protected, so you can continue to change their lives beyond the chair.
Why Do Makeup Artists Need Professional Liability Insurance?
Makeup artists are skilled at employing an array of different cosmetic products and tools in order to downplay facial flaws and beautify the contrast between eyes and lips and skin tone. Because this service requires hands-on application, a variety of different liabilities can be more prevalent.
Let’s face it, liability exists everywhere in business. We’ve been in the industry long enough not to be surprised by the many different types of claims we’ve covered for our members. Just by providing your services as a makeup artist, you will, unfortunately, face many different situations that could present an enormous cost if you had to cover them yourself.
Common Circumstances that Need Coverage
Even artists that have many years of experience and have performed countless successful client sessions can still find themselves facing a claim against them at some point in their career. Our comprehensive makeup artist insurance helps cover the costs of these claims as well as provides additional safeguards and a suite of awesome member benefits.
Why Do I Need Cosmetology Insurance?
The chair will mostly be a place of restoration for your clients. With the blending of training and compassion, you use scissors, makeup, and hair products to uplift appearances and confidence.
Unfortunately, no career is perfect, and the same tools you used to help your clients can potentially harm them.
Common Circumstances that Need Coverage
Paying the average cost to defend a slip and fall lawsuit ($25,000 to $50,000) can put your financial stability and career at severe risk.
We want to help you stay protected from these claims so you can continue the work that you do.
Makeup Artist Liability Insurance
Makeup Artists offer multiple services to support their clients, from makeup to skin care.
With Beauty Insurance Plus, the cost of insurance stays the same, regardless of the amount of services you offer.
Makeup Artist Liability Insurance:
Our policies for makeup artists combine the best in comprehensive coverage options all at an affordable rate so our members can focus on providing a great experience for their clients rather than “what-ifs” an unforeseen event could present.
Here’s an overview of several important elements that make up our comprehensive makeup artist insurance program:
General Liability: this important insurance provides members with coverage for claims that are related to a third party injury or third party property damage. This covers claims for bodily injury when someone is injured on your business property or for claims related to damages that your business caused to another entity's property.General liability is most commonly known as “slip and fall” insurance because it covers an injury like someone simply slipping and falling and requiring medical attention. Our program provides up to $2 million per occurrence and a $3 million individual annual aggregate for claims for general liability.
Professional Liability: this type of insurance provides members with coverage for claims for injuries or damage that are related to the service provided. For example, a client may claim that you injured them during your makeup session and hold you responsible for paying for their medical bills. Our makeup artist insurance policies come with $2 million per occurrence and a $3 million individual annual aggregate.
Product Liability: when a client has an allergic reaction to a type of makeup product you use during their session, any claims arising from the event would be covered up to $2 million.
Stolen/Damaged Equipment: makeup is your livelihood. When your products or tools are stolen, Beauty Insurance Plus provides up to $1000 in coverage with a $250 deductible.
Rental Property Damage: if the property or booth space you are enting gets damaged somehow during a session, members enjoy up to $100,000 to cover the cost of repairs.
Identity Protection Plan: we provide up to $25,000 worth of identity recovery services if your identity is compromised.
Member Benefits: free annual subscription to a beauty publication, free professional website, fun member contests, free eBooks, free business resources, discounts on products and accessories, and more!
Beauty Insurance Plus: Your Peace of Mind
Beauty Insurance Plus members receive the most comprehensive liability insurance program at one of the lowest costs in the industry. Because your career is important to you, Beauty Insurance Plus wants to be a solution to claims that may get in the way of the service you provide to your clients. We work hard to provide you with:
Excellent customer service with live agents available 8:30-8:30 ET Monday through Friday + limited weekend hours
Instant coverage and proof of insurance at checkout
Member benefits like stolen equipment coverage, identity protection, a free website, and exclusive product discounts
Coverage for more than 350+ beauty and wellness services
Plus a FREE annual subscription to one of six beauty publications: Beauty Launchpad, DAYSPA, EYELANSH, MAN Magazine, NAIL Pro, or The Colorist
Compare Makeup Artist Insurance Prices By Company
What Services Do We Cover?
Our insurance for makeup artists covers hundreds of different beauty, health, and wellness techniques. From airbrushing through applying corrective makeup, Beauty Insurance Plus has you covered.
Non-medical Care of Skin
Active Isolated Stretching
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Asian Bodywork Therapy
Asymmetric Body Balancing
Bach Flower Remedies – Topicals
Barbara Brennan Technique
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Biodynamic Craniosacral Therapy
Biomagnetic Touch Healing
Bio Touch Healing
Body Image Enrichment
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Canadian Deep Muscle Massage
Chi Nei Tsang
Chikly Brain Curriculum
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
Cranial Release Technique
Cranial Soft Tissue Release
Cross Fiber Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Eden Energy Medicine
Emotional Freedom Technique
Energy Healing Techniques
Essential Oils Massage
Fascial and Membrane Technique
Five Element Shiatsu
Forearm Dance Technique
Full Spectrum Energy Medicine
Functional Range Release
Hannah Somatic Education
Hoffa Massage Technique
Hot Stone Massage
Indian Head Massage
Innovative Pet Therapy
Integrative Eclectic Shiatsu
Internal Organ Massage
Jin Shin Jyutsu
Lava Shell Technique
LHE Phototherapy (no lasers)
Light of Life Energy
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Medical Qigong Therapy
Mennell Massage Technique
Muscle Activation Technique
Muscle Energy Technique
Myoskeletal Alignment Technique
New Manual Articular Approach
Nuad Bo’ Rarn
Okazaki Restorative Massage
Pfrimmer Deep Muscle Therapy
Range of Motion
Raynor Massage Therapy
Rolfing Structural Integration
Rubenfeld Synergy Method
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
Safe Touch Massage
Shen Jing Acupressure
Shiatsu Amma Therapy
Soma Neuromuscular Integration
St. John Neuromuscular Therapy
Steamy Wonder System
Structural Energetic Therapy
Thai Herbal Compress Technique
Thai Yoga Massage
The Healing Code
Theresa Primmer Method of Deep
Tian Di Bamboo Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Vibrational Healing Massage Therapy
Warm Bamboo Massage
Yamuna Body Rolling
Note: These modalities and disciplines are covered only to the extent that they are included in the scope of work as defined by the federal, state or local jurisdiction that regulates the member’s activities.
Get Insured with Beauty Insurance Plus!
Beauty Student Competitive Rate
Beauty Insurance Plus offers first-year policies for students, available at only $25 for the first 12 months.
We want to make sure that during the time you are training for your profession, you are insured with the full benefits of our professional program at a discounted rate. Coverage is provided for 12 full months, even after graduation.
Click here to learn more about our insurance for cosmetology students. If you have any questions, please give us a call at 800-941-3583 so we can help you in your journey.
Comprehensive Coverage, Great Benefits, One, Low Price
Whether you provide your services at weddings, in a salon, or in a private home, you will enjoy full coverage through Beauty Insurance Plus in all 50 U.S. states. When you have to move jobs or even states to follow your career aspirations, your coverage will follow you.
We offer professional makeup artists the peace of mind of not having to worry about what might happen when a future event leads to a claim. Instead, our members are free to focus 100% on growing their business and providing great service to clients.
Some insurance programs will limit how many services you can offer and will either not cover additional services or charge an extra fee to have these included in the policy. We provide extensive coverage for many different techniques so you can put together the best plan for helping beautify your clients and we do so all at one, low rate.
Why Choose Beauty Insurance Plus?
Makeup Artist Insurance FAQs
Think of makeup artist insurance as a safety net for your career. While no one likes to think that an unfortunate event could crop up, we help professional makeup artists every day navigate claims that arise from the most every day of circumstances.
Effective makeup artists help clients look and feel their very best by using a variety of tools, chemicals, and different techniques. Doing so puts you in close proximity to sensitive areas around the face, neck, and head. One small slip can result in expensive medical costs to treat an injury, pay for damaged property, or cover other costs like the client’s lost wages. When a client decides to seek legal action against you, legal defense fees will also be necessary. All of a sudden, that small mistake can cost thousands.
At its core, makeup artist insurance from Beauty Insurance Plus provides coverage for general and professional liability, product liability, rental damages, stolen equipment, and even identity theft.
For as low as $11.67 a month, you can have full, complete, and all inclusive makeup insurance coverage through Beauty Insurance Plus. Our insurance for makeup artists was created just for the beauty industry. This means we include smartly-set coverage limits and extended protections beyond general and professional liability coverage to include product liability coverage, stolen equipment coverage, rental damage liability coverage, and even an identity protection plan.
Over and above great insurance coverage, our makeup artist insurance program includes fantastic member benefits worth hundreds of dollars all by themselves. We work extremely hard to keep our program both robust but also affordable for our hardworking professional members.
The best makeup artist insurance plan is one that adequately protects you and your career from the types of risks you face by working as a makeup artist professional. With Beauty Insurance Plus, you get the best return for the investment you make in insuring yourself and your career.
We do this by offering a solid liability insurance plan, include layers of additional protection like an identity protection plan, incorporate a membership benefits program worth hundreds of dollars, and do all of this at some of the best rates in the industry. The best makeup artist insurance plan is one that will protect you and your career, offers you extra benefits you’ll actually use, and is also affordable.
Makeup artist insurance allows you to transfer risk from yourself onto your insurance carrier. With Beauty Insurance Plus, your makeup artist insurance policy provides you with solid coverage within several key areas.
A claim event that occurs during the actual services you are providing would fall under what’s known as professional liability, or malpractice, insurance. An example could be a professional model that has hired you to create the perfect look for their photo session. When the product doesn’t meet their expectations, they may file a claim against you.
Coverage for accidents that occur in or around your premises - called general liability, or slip and fall, insurance, is vital for any professional simply offering services. All it takes for a claim event is a client tripping on the way to your booth and injuring themselves. Costs associated with general and professional liability claims are both covered at $2 million per occurrence and all the way up to $3 million individually as an annual aggregate.
Another vital makeup insurance element is product liability coverage. This coverage kicks in when a client has a bad allergic reaction to a product you used. As a makeup artist, you will use hundreds of different products throughout your career. Just one bad reaction could cost thousands to provide remedy for.
Going further, makeup artist liability insurance from Beauty Insurance Plus also includes safeguards for the everyday such as stolen equipment coverage, rental damage coverage, and even an identity protection plan.
Absolutely. Our makeup artist insurance program is designed to be flexible - applying to just about any circumstance you might find yourself in for providing your professional services.Whether you help clients as a freelance makeup artist, work in a salon, rent booth space, or just about anywhere in between, you can have confidence that your insurance coverage through Beauty Insurance Plus supports you through every step of your career.
Definitely! Your makeup is an essential tool you use every day to provide great services to clients wanting to look and feel their best. With makeup artist insurance through Beauty Insurance Plus, you have additional protections just for your vital tools and equipment with our included stolen equipment coverage. This important ancillary coverage helps you recover the costs of replacing your makeup or other essential tools up to $1,000 with a $250 deductible.
It may seem obvious but makeup artist insurance is the best insurance for makeup artists. Many insurance programs out there offer generic coverage for professionals but they weren’t designed just for the beauty industry and may contain serious gaps in their coverage for makeup artists.
Our program was designed just for makeup artists so includes the most appropriate protections for events that beauty professionals can face at some point in their careers. With Beauty Insurance Plus, you get coverage for both general and professional liability claims, as well as product liability claims. Going further, our program also includes protection for damages caused to a rental property, stolen equipment coverage, and even an identity protection plan.
Absolutely. Our program invests in the future generation of makeup professionals with a low-cost, students-only option for those studying to become makeup artists. For just $25, students can enjoy all of the same benefits as our professional program for a full year.
If it’s advantageous, you may consider waiting until you are almost through with your program before applying for a makeup student insurance policy. That way, most of your first year on the job while you’re still learning the ropes is covered for only $25.
In truth, no, most states have no requirement for you to have insurance before you get licensed to provide makeup services. That being said, choosing to provide services without having insurance is extremely risky. Just like driving a car, the possibility of an accident is always out there.
With our one year option at $159 (that’s only $13.25 per month), you get great coverage for probably less than what you pay for your video streaming service. Considering just how costly a claim event can be, makeup artist insurance is an incredibly cost effective way for you to confidently provide services instead of worrying over a future claim event possibly sidelining your career and putting a big dent in your wallet.
Makeup artist liability insurance through Beauty Insurance Plus has built-in portability of coverage. Portability is a super useful insurance coverage mechanism that allows you to take your coverage with you no matter where you go. In all 50 U.S. states, you will have complete coverage no matter if you move jobs, move cities, or even move to a whole new state.
Ready to Talk Over Your Options with an Agent?
Our agents are here with one purpose - helping you find the best insurance program to meet the needs of you and your business, now and tomorrow. We can go over our entire makeup artist liability insurance program with you and answer any questions you may have. We want you to have all the information you need to make the best decision possible. Contact us today.