What is makeup artist insurance?
Makeup artist insurance is not one policy, but rather a selection of policies that can provide some financial protection against the disasters that might occur while applying makeup professionally.
Public liability insurance can provide financial support if your client is injured, becomes ill, dies, or if their property is damaged or lost as a direct result of your work. For example, if a member of the public were to trip over a stray wire, or you dropped foundation on their carpet, public liability insurance can cover your legal and compensation costs.
You might also want to consider treatment risk insurance, which provides specialist cover for claims arising from accidents and incidents caused by your professional beauty services. For example, if a client has an allergic reaction to a lotion you apply to their face. In the event of a claim being made against you, treatment risk insurance could help to cover legal and compensation costs.
Product liability, on the other hand, can cover you if you supply a defective product to a client that causes an injury (but not if you are at fault for applying the product incorrectly).
You might also consider tools insurance to cover the cost of replacing or repairing specialist equipment, such as your makeup brushes. Additionally, you should think about stock insurance to help protect your products and materials from loss, theft and damage.
Finally, you might want to protect yourself with personal accident insurance. Payment from this type of policy can help cover some of the lost income and medical costs if you become ill or injured and are unable to work. It can also provide compensation to your beneficiaries in the event of your death.