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From weddings to salon work, fashion shoots to West End shows, the life of a makeup artist can be exciting and rewarding. But if things don’t go according to plan, you need to make sure your business is covered with the right business insurance.

From weddings to salon work, fashion shoots to West End shows, the life of a makeup artist can be exciting and rewarding. But if things don’t go according to plan, you need to make sure your business is covered with the right business insurance.

Emily Kindness
Business insurance expert
4
minute read
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Last Updated 23 FEBRUARY 2022

What insurance might you need as a makeup artist?

Working as a makeup artist may not be as risky as, say, working in construction, but if you’re freelance or run your own makeup artist business, it’s a good idea to protect your income with the right insurance.

As professional as you are, accidents and mishaps do happen. So you need to ensure you’re protected.

What does makeup artist insurance cover?

You can tailor your makeup artist insurance to protect you against the risk you face as a business. As a makeup artist, you might want to consider the following types of insurance to protect your business:

  • Public liability insurance
  • Product liability insurance
  • Employers’ liability insurance
  • Tools and equipment cover

What is public liability insurance for makeup artists?

Makeup artists work with the public all the time. Although that can be very fulfilling, it also leaves you open to legal action should anything go wrong. If you have a salon or take a 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 a client suffers 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 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.

Or, imagine, your customer develops an allergic reaction to a foundation you’re using, minutes before they’re due to head down the aisle on their special day. They’re furious and want to bring legal action against you. Public liability insurance can help you cover the legal costs and any compensation you’re required to pay.

What is product liability insurance for makeup artists?

As a makeup artist, you’ll also need product liability cover to protect you in case you supply a product that’s defective due to a manufacturing fault. If your client holds you responsible, your policy could cover legal defence costs against any allegations of injury.

Bear in mind that product liability insurance won’t cover you if apply a product incorrectly. If a situation like this happens due to your own negligence, it could be covered under treatment liability insurance. Some specialist makeup artist insurance policies will include this as standard but if not, you may be able to add it on as extra cover.

What is employers’ liability insurance for makeup artists?

Employers’ liability insurance is a legal requirement in the UK for anyone who employs staff. That includes temporary and part-time workers as well as students. It protects you against claims should those employees get injured or fall ill due to work they carry out for you.

What is tools insurance for makeup artists?

From brushes and palettes to your business laptop, working as a makeup artist requires specialist tools and equipment. If the tools you need to work are damaged, lost or stolen, replacing them could be expensive - and if you can’t afford to do it quickly, you could end up losing business.

Business equipment and tools insurance can help cover the cost of replacing or repairing the tools you need quickly, so you can get back to making your customers look their very best.

What other cover should I consider as a makeup artist?

Different makeup artists face different risks and it’s important to get a good handle on what you want your insurance to cover before you start comparing policies. If you’re looking for the most comprehensive cover, you could consider adding cover for the following:

  • Treatment risk cover: protects you in case you make a mistake during a treatment and a customer is harmed or injured as a result. This type of cover can often be added on to specialist makeup artist insurance. 
  • Business interruption insurance: can protect you from loss of income if you’re unable to work as a makeup artist for certain specified reasons. 
  • Cyber insurance: if you have a client database filled with personal details about your customers, you could consider adding cover to your business insurance to protect you if there’s a data breach and that information falls into the wrong hands. 
  • Money cover: if you run a mobile makeup artist business and deal mostly in cash, you may want to insure your company money as well as your tools. 
  • Stock insurance: if you store makeup products to supply to clients, stock insurance could cover you against any loss, damage or theft of those stored products. 

How can I protect my business as a makeup artist?

Of course, no matter how much you prepare, mistakes and accidents can happen. But there are some things you can do in your business that help to reduce the risk of claims:

  1. Always make sure 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.
  2. Be diligent about hygiene and make sure all your sponges, brushes and equipment are cleaned and sanitised between customers to reduce the chance of your client breaking out in spots or having an allergic reaction.
  3. Take out insurance cover to make sure you and your business are protected. Not only does this make sound commercial sense, but it will also give you some valuable peace of mind.

Compare prices and get insurance

Finding professional liability insurance isn’t complicated. In fact, you can do it right here, right now. Search for quotes with us and we’ll help you compare makeup artist business cover from a host of insurance providers.

Frequently asked questions

How much does makeup artist insurance cost?

The cost of your makeup artist insurance will depend on several factors, including the size of your business, your experience level, if you have any employees and the level of cover you want. To find the best deal for you, it’s a good idea to shop around and compare different policies and prices.

Can I get insurance as a mobile makeup artist?

Yes, you can find makeup artist insurance that covers you to work in several different locations. Just tell us the kind of work you do and where, and we can help you compare policies.

Can I get cover for mobile makeup artist work abroad?

You may be able to find policies that cover you to work temporarily outside the UK. Make sure you read the terms of any policy carefully to check you’ll be covered for work abroad.

Will makeup artist insurance cover all types of makeup application?

You’ll need to check any policy carefully before you buy to see what it covers as standard. If you want to make sure you’re covered for procedures like semi-permanent or permanent makeup application, microblading and eyelash extensions, or beauty treatments like waxing, manicures and spray tanning, you may need to arrange extra or specialist cover.

Do I need to be qualified as a makeup artist to get insurance?

It depends. Some policies will insure self-taught makeup artists while others may specify that you need a particular level of qualification or a certain number of years of experience. As always, check the terms carefully before you buy any policy to make sure it works for you and your business.

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