Make-Up Artist Insurance
Specialist cover for make-up artists from £3.44 per month.*
- Public liability cover up to £5 million
- Flexible payment plans at 0% APR
- Join over 150,000 customers**
From only £3.44* per month
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.
Depending on your services, you can select from various levels of cover to ensure you only pay for the protection your business needs.
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.
Cyber Assistance
- A personalised online cyber resilience plan and a 2-hour technician consultation.
- Round-the-clock support:
24/7 Cyber emergency helpline (6 hours a year)
24/7 Access to a legal helpline and document library
24/7 Emotional support via a cyber counselling line
- AI tech assistance for non-emergency help and proactive cyber improvement advice.
- 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.
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 policy is designed to protect you financially, should you accidently cause an injury or damage your customers property or the property of another party. We cater for freelancers and those people that do not have their own premises they manage themselves, a lot of our customers work for other companies as contractors, we can also cater for those people that do home visits. We have built our policy over the years, to not just protect you from incidences that you could be liable to pay damages but also for your specialist equipment and even to cover you should you have an accident when providing make-up services, so you can claim for loss of earnings and much more.”
Chris Trotman, Protectivity Underwriting Manager
How much does make-up artist insurance cost?
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.
At Protectivity policies start at just £3.44 per month *.
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 1/10/2024. 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 150,000 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 01/10/2024. 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 Sep 2024
¹Based on live Feefo data