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Insurance for makeup artists is business cover designed for the needs of people in this profession. It can protect you if something goes wrong as well as cover your equipment if it’s lost or stolen.
From weddings and photo shoots to fashion shows and big parties, the work of a makeup artist can vary massively. But if something goes wrong – for instance if a client has an allergic reaction to one of your products or your makeup is stolen – it can make a big difference if you have the right cover in place.
A common thing all makeup artists are likely to need is cover for makeup, beauty products and other related equipment. You’ll probably also need professional indemnity insurance and public liability cover.
Depending on where you work, you might also need to consider things like employers’ liability insurance and product liability cover. You can read more about all of these types of cover further down the page.
Policy specifications will vary by insurer and depend on the level of cover you choose to suit your needs. But business insurance for makeup artists can include the following:
Depending on whether you have a salon or you work as a mobile makeup artist, you might also need to consider some of the following:
This depends on the type of policy and your requirements, but most makeup artist insurance policies will include cover for the following:
These are just a few examples of equipment that can be included in your makeup artist insurance. Some policies might also offer cover while your equipment is in your car or van and for temporary work while you’re abroad.
If you have a salon or work from your home and there’s an event like a flood or fire, you can also take out business contents cover that will pay for the repair of fixtures and fittings if anything is damaged.
Some policies don’t cover semi-permanent or permanent makeup application or pigmentation. So if you offer these services, make sure you go for a policy that covers these.
This will depend on your personal requirements. Most insurers will give you different options for cover limits, so if you have a lot of expensive makeup, you’ll want to set your limit higher. This might mean paying higher premiums, but there’s no point in getting makeup artist insurance cover if it falls short of your needs.
When it comes to indemnity and liability cover limits, consider the circumstances you work in. For example, if you often work in busy locations or if you travel abroad for work, these will influence how much cover you need.
Being a makeup artist gives you the opportunity to work with different people and help them to feel special. However, sometimes things can go wrong. Having makeup artist insurance can give you peace of mind that you’re covered and can get things back to normal as soon as possible.
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