Being a makeup artist is not very
easy. You prepare individuals for appearances in front of a camera or audience.
These individuals might include models, actors or public at times. If something
about the makeup goes wrong, these individuals can take legal action against
As a result you end up paying all
their claims from your pocket, which might seriously affect your financial
situation. Availing of makeup artist's insurance like general liability or
professional liability can come handy in such cases.
Types of makeup artist insurance
If you run a beauty salon or are a freelance makeup artist, you will need to protect yourself by getting makeup
artist insurance policy. There are a variety of makeup artist insurance options
that are available in the market for cosmetologist and beauty therapists.
Ensure that your insurance has a cover for your salon/building, your
stock/equipment, claims by your employees and claims by your customers.
Professional liability insurance is provided only to professionals
who have minimum 2 to 3 years of experience either as a freelance makeup artist
or as a makeup artist running a salon. It covers malpractice or unfortunate
results of the well-trained makeup artists who have attainted certifications
from well-known institutions.
General liability insurance is the common liability policy
purchased by a business for protection against lawsuits. This protects a makeup
artist's business from liability against bodily injury or property damage to a
third party. Coverage would apply for claims from product manufactured or sold,
work done by the business and premises owned or operated by the business. The
policy might also include coverage for personal and advertising injury and
Property insurance provides coverage for the building and business
contents of the makeup artist. This policy will also provide coverage for
spoilage, mechanical breakdown and lost income in the event of damage to the
building that prevents a makeup artist from operating.
Worker's compensation provides coverage for injury to employees at
work. This is the only insurance that covers employee injury occurring on the
To become eligible for makeup artist insurance, you must have been in the
profession for not less than two years. Contact your state insurance department
for any queries on makeup artist insurance. They would be the best resource for
insurance related questions and concerns like insurance companies and agents,
rate quotes and comparisons, insurance buying tips and claims filing