Compare Makeup Artist Insurance

From weddings to salon work, fashion shoots to West End shows, the life of a makeup artist can vary massively.

When you make someone’s day with a job well done, the job can be really rewarding. However, if things don’t go according to plan, you need to make sure your business is covered with proper business insurance.

What insurance might you need?

Though it might not be instantly obvious why you need it, you should consider two different types of liability insurance.

Public and Products Liability Insurance

If you have a salon or take mobile kit out with you, you should consider public liability insurance. This form of insurance can protect you against the cost of defending claims for accidental injury or property damage your client suffered as a result of your negligence. For example, you’re in your client’s house doing their make-up. You put your kit on their table so it’s easier for you to access, but suddenly you knock over your eye-shadow palette. It falls on your client’s new cream carpet and stains it. The carpet needs to be professionally cleaned and your client is likely to ask you to cover the cost.

As a makeup artist you will also need products liability cover just in case you supply a product which is defective due faulty manufacture. If the client holds you responsible, your policy could cover legal defence costs against allegations of injury. 

What else may you need?

Bear in mind that products liability won’t cover you if you happen to apply a product incorrectly. If a situation like this happens due to your own negligence, it could be covered under a treatment extension, which isn’t a standard part of public and / or product liability products.

Employers’ Liability Insurance

Employers’ liability insurance is a compulsory cover for anyone that employs staff including, temporary and part-time workers as well as students. It protects you against claims should those employees hurt themselves or become ill due to work they carried out for you.

What should you do?

Your first step should be to try and limit problems in the first place. We know this sounds obvious and mistakes and accidents can happen. That said, there are some things you can do in your business that help to reduce the risk of claims.

Always make sure your clients expectations are clear and agreed. Be honest about what can be achieved and what can’t. If possible on larger jobs, have this recorded in writing in case you need to rely on it.

Finally, make sure you take out insurance cover to make sure you and your business are protected. Not only might this make sound commercial sense but it will also give you some valuable peace of mind.

Compare Makeup Artist Insurance

Compare prices and get insurance

Finding professional liability insurance isn’t complicated. In fact, you can do it right here, right now. Use our enquiry form and we’ll help you compare professional indemnity cover from a host of insurance providers.