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.