Make-Up Artist Insurance
Business insurance for make-up artists from £3.44 per month.*
- Public liability for make-up artists
- Cover for beauty salons
- Flexible payment plans at 0% APR
- Join over 180,000 customers**
From only £3.44* per month
Choose your make-up artist policy
We offer two types of make-up business policy. Liability and equipment cover for freelancers and mobile technicans, or beauty salon cover for businesses with external premises.
Self-Employed Make-Up Artist
Beauty Salon Business
What does make-up artist insurance cover?
Our insurance for make-up artists includes the liability cover you need to protect yourself against unexpected incidents. The policy comes with public liability and equipment cover, along with specialist extras you can tailor to suit your specific services.
Your cover can be adapted to match the needs of your make-up business. You can choose to include protection for your equipment, from professional make-up kits and lighting to chairs, mirrors and stock. Employers’ liability insurance can be added if you hire staff, assistants or trainees, and personal accident cover is available to help safeguard your income if you’re unable to work following an injury.
Whether you’re self-employed working in a salon or as a mobile freelancer our make-up artist insurance provides financial protection should an incident occur that results in a claim against you.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Equipment & Stock
Employers' Liability
Personal Accident
Public Liability
- From £2 million to £5 million of cover.
- Protection from claims by a third-party who gets injured during an appointment or has their property damaged.
- Cover for the professional treatments you provide including protection if a treatment you perform causes injury or damage.
Equipment & Stock
- From £250 worth of cover included.
- Add up to £12,000 worth of cover at an additional cost.
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- If a customer dislikes their treatment.
- Treatments and activities performed overseas.
For further information on exclusions in your cover please refer to policy documentation.
Public liability, professional treatment & product liability
- Up to £5 million of cover
- Protects your nail salon if a client or member of the public is injured or their property is damaged as a result of your business activities
- Includes incidents arising from nail treatments, such as cuts, burns, allergic reactions or accidental spillage during manicures, pedicures or nail enhancements
- Covers liability for nail products sold or supplied as part of your services, including polishes, gels, acrylic systems and aftercare products
- Includes liability under the Defective Premises Act 1972 (up to £1 million)
Employers’ liability
- Up to £10 million of cover
- Protects your business if an employee becomes ill or injured due to employer negligence
- Applies to nail technicians, apprentices, trainees and administrative staff
- A legal requirement if you employ staff, whether full-time, part-time or voluntary
- Does not include teaching or professional instruction (Professional Indemnity is not included)
Property damage protection
Cover for accidental loss or damage to your nail salon’s physical assets, including:
Equipment away from the premises
- Covers portable nail equipment used off-site, such as UV/LED lamps, electric files or nail kits, against loss or theft within territorial limits
Glass
- Covers fixed glass, including shopfronts, partitions, display units and signage
Stock in trade
- Protection for nail products used or sold as part of your services, such as polishes, gels, acrylic powders, removers and aftercare items
Business contents
- Covers furniture, fixtures, pedicure chairs, manicure stations, tools, computer hardware and employees’ personal effects (up to £500 per person)
- Excludes jewellery, money, motor vehicles and furs
Tenant improvements
- Covers nail salon improvements you’re responsible for, such as fitted workstations, ventilation systems, flooring or built-in counters
Buildings
- Includes the buildings of the insured’s business premises where the insured is responsible, including shop fronts, landlord’s fixtures and fittings, fixed sanitary ware, and associated external features.
Money, assault & employee dishonesty
Money
- Cover for loss or theft of business money within set limits
- Applies at your premises, in transit, at employees’ homes and in vending machines
Assault
- Financial support if you or a member of your team is injured during a robbery or attempted robbery
- Includes a £10,000 capital benefit and £100 weekly benefit for temporary total disablement
Employee dishonesty
- Covers losses of up to £5,000 caused by dishonest acts involving money or property
Business interruption
Business interruption insurance helps protect your nail salon’s income if insured property damage forces you to close or restrict trading.
Cover includes:
- Up to £500,000 loss of income (up to 24 months)
- £10,000 increased cost of working to help maintain operations
- £2,000 book debts cover if payments cannot be recovered
Cover may be triggered by:
- Property damage
- Utility or internet failure
- Denial of access
- Public authority restrictions
- Supplier failure
- Loss of attraction
Not available online for nail salons with annual turnover above £250,000 (underwriter review required).
- Teaching, training or professional instruction
- Damage to third-party property not connected to your nail salon’s business activities
- Property damage where required security or safety conditions are not met
- Premises left unoccupied for more than 7 consecutive days
- Storage of highly flammable or hazardous substances
Certain exclusions may apply under each cover section as defined in the policy wording, please refer to policy documentation.
Why do you need make-up artist cover?
Your clients may come to you for your creative expertise and a personal experience. However, despite your best efforts, unforeseen issues can occur, beyond your control and could lead to a claim against you.
Specialist make-up artist insurance can allow you to offer your services with confidence and security, knowing you’re protected if a claim is made against you. Whilst you may think it’s a low risk service there are some common scenarios that highlight why make-up artist insurance is important:
Protection from public injury claims.
While the likelihood of causing injury to a client or a member of the public is minimal, there’s a possibility of harming someone whilst applying make-up or damaging an item of clothing.
Public liability insurance tailored to make-up artists offers protection against claims if damage occurs or if a client sustains an injury while at your workplace and holds you responsible.
A client reacts badly to a product you sell them.
As a make-up artist, you might be selling some products to your customers so that they can use them by themselves. However, if they suffer an allergic reaction to those products and bring a claim against you.
Products Liability insurance can cover you for claims of this nature, across certain items that you sell.
Cover against damage to make-up equipment.
You might have purchased high-value make-up and tools for your business. This equipment could potentially be misplaced while you’re delivering treatments on the go. Conversely, storing items in a premises where you work might lead to damage.
Make-Up artist equipment insurance can prevent expensive replacements should your equipment be damaged, or stolen.
A salon requires public liability for contracted Make-Up Artists.
If you are contracted by salon or spa to provide your make-up artist services. Having suitable public liability cover will likely be a minimum requirement.
Our experts explain why...
“Our make-up artist insurance is designed specifically for professional make-up artists and beauty salon businesses, protecting you financially if a treatment results in injury, allergic reaction or damage to a client’s property. Cosmetic treatments involve direct skin contact and product application, which carry their own risks, so having cover tailored to your services is essential.
We support freelance make-up artists, salon owners, contractors and mobile professionals, whether you operate from your own studio, rent space within a salon or travel to clients for events and special occasions.
Our policies reflect the realities of running a make-up business. Alongside liability protection, optional cover can safeguard your professional equipment, helping you recover quickly from setbacks and ensuring your income, reputation and business continuity remain protected.”
Mandy Czyz – Senior Underwriter, Protectivity
How much does make-up artist insurance cost?
At Protectivity make-up artist policies start at just £3.44 per month *.
The cost of insurance for make-up artists can vary depending on the level of cover you need. For example, if you use specialist equipment you may need to increase the value of cover.
Prices from
£3.44* a month
Explainer quote
Policy cost
£3.44* a month
Policy type
Make-Up Artist
Turnover
Up to £50,000
Public Liability
£2,000,000
Product Liability
£2,000,000
Equipment
£250
This example is based on a real quote from our website on 05/01/2026 If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your make-up artist insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What qualifications do I need to buy Make-up Artist insurance?
You will need a qualification from an industry-recognised course provider of make-up artistry.
Do you need to see my make-up artist qualifications or certificates?
We do not need to see proof of your qualifications for you to be able to take out our insurance. We do, however, require you and any employees to hold the relevant qualifications or certificates for the services you are providing. Please note, that we do not accept qualifications that are obtained by a method of remote learning (e.g. internet-based training courses).
If you need to make a claim on your policy then we may request to see these documents. Should we discover that you are not qualified to carry out the insured activities, we may reject your claim.
Are my make-up tools & equipment covered?
Yes, up to a value of £250 (£75 excess) as standard. Should you require a higher level of cover because the value of your equipment exceeds £250, you can increase your cover during our online quote form.
Am I covered to work from home as a make-up artist?
Yes. Our policy is designed to cover freelance and mobile make-up artists. Any policy that you take out will cover you and your business, as opposed to a specific address. This means that you’re covered regardless of whether you are working at home, in a client’s home or within a dedicated beauty salon.
Can you cover me to do treatments abroad as a make-up artist?
No, our policy is designed to cover anywhere within the United Kingdom, Northern Ireland, Channel Islands, or the Isle on Man. There is no overseas cover available.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data