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Liability Insurance for Makeup Artists

Millions of people around the world use cosmetics to enhance their natural beauty. As a makeup artist, you have the knowledge and skills necessary to help your clients look their best. However, even the best makeup professional can have a bad day. Without makeup artist insurance, one claim could be financially damaging.

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$9.99/ month
or $96/year
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$15 per Additional Insured or $30 for Unlimited

 

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BBI Is the Coverage You Need

Sometimes special events occur where people need an expert to apply their makeup, and you are who they come to. Even with all of your expertise, you can’t always prevent something from going wrong.

What would happen, for example, if you applied bridal makeup to a client in your salon and it caused an allergic reaction or a skin condition? In this case, you might find a few unexpected bills coming your way. If you don’t have makeup artist insurance, you might be paying for it out of your own savings account.

Don’t let a scenario like this happen to you. Our Beauty and Bodywork Insurance (BBI) can help you prevent financial disasters. We know the unique needs makeup artists have and designed a policy for you at an affordable price.

Don’t wait. Our makeup artist liability insurance is for you.

What Are Some Examples Of Covered Claims?​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without makeup artist insurance coverage, you could be held liable for these claims.

Client dissatisfied with results/look - $473 Allergic reaction, redness, swelling - $1,428 Client tripped on bottle of product & was injured
- $1,785 Chemical burn from adhesive- $3,421 Infection resulting in extensive medical costs
- $9,972 Corrective treatments after permanent damage - $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.

What Are Some Examples Of Covered Claims?​​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without makeup artists insurance coverage, you could be held liable for these claims.

Client dissatisfied with results/look - $473 Allergic reaction, redness, swelling - $1,428 Client tripped on bottle of product & was injured
- $1,785 Chemical burn from adhesive- $3,421 Infection resulting in extensive medical costs
- $9,972 Corrective treatments after permanent damage - $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.

Do you need insurance to be a makeup artist?

You don’t need insurance to be a makeup artist, but you need insurance if you want to be employed. 

If something were to go wrong while you were on the job, your makeup artists insurance may help you cover the costs. For example: a client has an allergic reaction to one of your products, your brush accidentally hits someone in the eye, or another person trips over your makeup cart and is hurt.

Most jobs will also require you to show proof of makeup artist insurance before you can start working. They also may ask to be added as an additional insured on your policy. This is because the business or person employing you does not want to be held responsible if you do something wrong and a client sues.

Malls, makeup counters, beauty stores, wedding venues, event teams, theater groups, cities, special events, landlords, and business owners may be added as an additional insured on a policy. Other third party entities may be added as well. Yourself, coworkers, family, friends, or clients should never be added as an additional insured.

It can also include tools and supplies coverage, also known as Inland Marine, to help to cover any damages  to your equipment or supplies.

Buy Policy Starting at $9.99/month

Can makeup artists insure their makeup kit?

Yes, makeup artists can insure their makeup kit with BBI’s makeup insurance plan when you add Tools & Supplies Coverage on to your plan. 

Tools & Supplies Coverage, also known as Inland Marine Insurance, is designed to insure the things you use to run your business—such as brushes, makeup, your makeup kit setup, storage boxes, chairs, lighting, mirrors, aprons, and more. 

Oftentimes you are transporting these items from multiple locations. Tools & Supplies Coverage is meant to protect your gear on site, in storage, and in transit from one location to another. If your makeup kit is stolen from your vehicle or someone accidentally shatters your palettes, this coverage will help repair or replace the insured items.

With BBI you can feel confident in your coverage; from the protected professional work you do to your insured makeup kit!

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How much does makeup artist insurance cost?

Makeup artist insurance costs start at $96. You can buy a policy online instantly and be insured within minutes!

Buy Policy Starting at $9.99/month

What's covered with makeup artist insurance?

Makeup artist insurance includes:

  • General Liability Insurance
  • Professional Liability Insurance (Errors & Omissions)
  • Products & Completed Operations
  • Personal & Advertising Injury
  • Each Occurrence limits
  • Damage to Premises Rented to you


These coverages can help you pay for:

  • Third-party injuries
  • Legal and defense costs
  • Third-party property damage
  • Unsatisfied clients
  • Libel and slander claims
  • Medical expenses


Makeup insurance helps you meet most requirements you need to start working as a makeup artist. It’s designed to cover the cost of most claims you may be liable for, so you can do your job more confidently.

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Quote-Free Application Process

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.

You're in good hands.

Here’s what other people have to say about their experience.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

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!
Camille
CamilleNail Tech
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"Easy to understand"

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!
Kris Christy
Kris ChristyMassage Therapist
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
Latoya Mosley
Latoya MosleyLash Artist
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
Autumn ZebroffEsthetician
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"Super fast online purchase."

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.
Jillian Walsh
Jillian WalshSpray Tanning
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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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:

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