Makeup Artist Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
BBI’s Insurance for Makeup Artists
From minimalist to full glam, the makeup looks you create deserve the best protection. Keep your business running beautifully with coverage made for you.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Prepped & Primed for Common Claims
Sometimes things get ugly. When they do, BBI is here to support you. Here are some real claims we’ve covered.
- $3,421
- $473
- $7,160 (Cosmetology)
- $9,972
- $23,173
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.
Coverage for the Reveal
From “It’s just what I wanted!” to “I’ve never felt so beautiful!” — seeing clients light up is why you do what you do. Keep your passion protected with makeup artist insurance.
Do You Need Insurance to Be a Makeup Artist?
Though it’s not required by any state for licensing, carrying makeup artist liability insurance is essential for keeping your beauty business safe.
Most employers, venues, and event organizers require you to get insured — and list them as an additional insured — before bringing you on board. This ensures that you and the businesses you work with are financially protected if something goes wrong due to your services.
Allergic reactions to products, eye injuries from sharp brushes, even a client tripping over your makeup kit — accidents like these can yield hefty medical bills and legal fees. Whether you specialize in bridal, editorial, or airbrush makeup, liability insurance is designed to keep you from paying out of pocket to make things right.
For peace of mind and as a signal to business partners and clients alike that you’re a true professional, insurance is a must-have.
Can Makeup Artists Insure Their Makeup Kits?
Yes! At BBI, we know your makeup kit is your lifeline — you’ve spent time and money curating your favorite products to create the best looks for your clients. Why not protect it? You can insure your movable business property with one of our tools and supplies coverage tiers, starting from just $2 a month.
Also known as inland marine insurance, this add-on coverage can pay to repair or replace makeup products, brushes, storage, lighting, mirrors, and more in case of theft or damage.
If your trusty kit is stolen from your vehicle or someone accidentally shatters your 100-pan eyeshadow palette, BBI can help you get equipped again without having to put bookings on hold.
How Much Does Makeup Artist Insurance Cost?
BBI’s makeup artist insurance starts at $9.99 a month, or $96 for a full year of coverage! The policy includes $2 million in coverage per claim and $3 million in coverage for the entire policy year — all at one of the most affordable costs in the industry.
Optional add-ons are available so you can create a policy that works for your business needs!
What Does Makeup Artist Insurance Cover?
BBI’s base makeup artist insurance policy includes:
- General liability insurance for third-party injury and property damage.
- Professional liability insurance for claims related to your professional services.
- Products and completed operations coverage for the products you use and your completed work.
- Personal and advertising injury coverage for claims like libel and slander.
- Fire legal liability insurance for damage to your rented space.
- Medical expenses to pay for client medical bills (even if you’re not at fault).
We bundle the main coverages you need to meet most employment requirements and start working as a makeup artist fast. Create with confidence — BBI’s got you covered at the salon, venue, or on the go!
Quote-Free Makeup Artist Liability Insurance
Over 63,000 professionals — including creatives just like you — trust BBI to protect their careers. Join us 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.
Optional Add-Ons
Your makeup artist policy comes standard with the coverages listed in the chart above. To customize your policy and maximize your protection, select from these extra coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your makeup products, brushes, portable kit, mirrors, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to any third party that may be affected by claims brought against your business.
Good for: meeting the requirements of salon owners, venues, wedding planners, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: makeup artists who book clients or accept payments online.
Your Creativity, Our Community
Here’s what other people have to say about their experience.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
What Other Services Are Covered in a BBI Cosmetology Insurance Policy?
For all the ways you beautify, you’re covered. BBI’s policy covers multiple cosmetology services, including:
