Why does a Make-up Artist need insurance?
Even the best make-up artists in the world make mistakes from time to time, and accidents can always happen. However, in a modern litigious society, those accidents and mistakes can lead to severe financial consequences if a compensation claim is made.
These claims can be so substantial that just one can be enough to threaten the entire existence of a business. Depending on the nature of the claim, a comprehensive Make-up Artist insurance policy will financially protect you, hence its importance.
With Public Liability included as standard, our Make-up Artist insurance will protect you should you be sued by a third party, such as a client or member of the public, for injury to them or damage to their property, up to the limit you have selected.
Additional protection on the policy includes Equipment and Stock cover, plus optional Employers’ Liability and Personal Accident cover. We make it easy for you to buy your policy online in a matter of minutes, you can start the process by getting a quote below.
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Why choose Protectivity?
Buying insurance made easy
We aim to make buying your Make-up Artist insurance easy and understandable. We do this by making the process of buying your insurance online simple, so much so it can be done in just a few minutes.
We provide monthly payments with 0% APR which means you can spread the cost of your insurance across the year.
Specialists in the industry
We’re one of the leading providers of insurance for therapy and beauty businesses, meaning our experienced team can provide the after-sales support you need.
Over 60,000 customers
We’re proud to protect over 60,000 small businesses and individuals every year.
What does Make-up Artist insurance cover?
Good Make-up Artist Insurance will comprise of cover in a number of different areas, that collectively protects you and your business. Which ones you will need will vary, depending on the specific nature of your business, but the types of cover available in our policy include:
Any customer who suffers illness or injury due to your actions can sue you if they can demonstrate financial loss. This could be something as dramatic as slipping or tripping on your floor and breaking bones, or it could be damage to their eye caused by a mascara wand out of place. Either way, in the event of an accident like this, you are vulnerable to a substantial compensation claim, as well as the costs of defending yourself in court. Public Liability insurance takes care of these costs for you, depending on the level of cover you take out.
As a make-up artist, it’s possible that you’ll 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 – to the point where they suffer a financial loss, such as taking time off work – you will be liable for a claim as the vendor. Products Liability insurance can cover you for claims of this nature, across certain items that you sell.
Equipment and Stock
This section of the policy will cover for damage to equipment used by you during the activities for which you are insured. You will be covered up to the limit selected against damage, loss or theft of your equipment and stock. In the event of a valid claim the insurer will cover the cost of repair or replacement of that item.
This optional benefit provides you 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.
If you employ members of staff (even just one) then it is a legal requirement to have Employers’ Liability insurance in place. This means that if one of your employees is injured while working, and suffers financial loss as a result, your insurer will pick up the tab for compensation rather than your business or you personally.
As well as covering your employees, you may also want to consider covering yourself. If you suffer an illness or injury that leaves you unable to work, then your finances will quickly suffer, especially if you’re self-employed. Personal Accident cover will make sure that you don’t end up out of pocket.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
We are committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
How much does Make-up Artist insurance cost?
The cost of Make-up Artist insurance can vary depending on a number of factors. For example, if you employ staff then your policy will cost more because you’ll need additional cover in Employers’ Liability. On the other hand, if you are a mobile freelancer and simply require Public Liability insurance then your policy will likely be cheaper.
As a ballpark figure, you should expect to pay somewhere in the region of £50 to £100 a year for your policy. This works out at around £4 to £8 a month, which is a small price to pay for protection and peace of mind, given how expensive a compensation claim could be.
Frequently Asked Questions
Q. What qualifications do I need to buy Make-up Artist insurance?
A. You will need a qualification from an industry-recognised course provider of make-up artistry.
Q. Do you need to see my qualifications/certificates?
A. 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.
Q. Are my tools & equipment covered?
A. 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.
Q. Am I covered to work from home?
A. 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.
Q. Can you cover me to do treatments abroad?
- 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.
Q. I think I need to make a claim. What do I do?
A. If you need to make a claim on your Nail Technician and Make-up Artist Insurance policy then we may request to see your qualifications. Should we discover that you are not qualified to carry out the Insured activities, then we may reject your claim.
Claims are our priority, so you’ll have the undivided attention of our specialist claims handlers whose details have been provided below.
Telephone Number- 0330 3141 592
Further information on our policy
If you have any other questions regarding our Make-up Artist Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.