Airbrush Artist Insurance
for Makeup & Face Painting
The tools you use as a professional cosmetologist, or beauty therapists, enable you to help your clients look their best. The majority of the time, these tools – scissors, makeup, nail files – make your job easier, but these same tools also have the potential to harm. Whether you need mobile cosmetology insurance or coverage as an independent contractor in a salon, BBI has what you need.
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$15 per Additional Insured or $30 for Unlimited
BBI protects cosmetologists in an age of new technology
The popularity of HD video and selfies has made airbrush makeup services a must for many makeup artists and face painters. At BBI, we understand the growing popularity of this service, and we have adjusted our policy to accommodate the changing needs of the beauty industry.
Whether you’re applying airbrush makeup as a professional makeup artist or as part of your face painting business, you’re an expert in creating beauty. Sometimes, though, accidents happen.
While applying cosmetics, your client might have an allergic reaction or claim that the pigments aggravated an existing skin condition or caused them to breakout. Without the proper airbrush makeup insurance coverage, you could be held financially responsible in these situations.
Don’t wait until an accident occurs to get the coverage you need for your airbrush makeup business.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without airbrush artist insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without airbrush artists insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
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Join the tens of thousands of cosmetologists nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!
General and Professional Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
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what other services are covered in a BBI cosmetology insurance policy?
BBI covers a wide variety of services. Take a look at the other cosmetology methods we also cover:
