Makeup Artist Insurance UK

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Semi permanent makeup artist insurance

Applying makeup in the chicest way is just as much art as painting a beautiful picture. Even more so in some cases because it’s live art on a living subject. The life of a freelance makeup artist is always on the go, and it never stops. Did you ever consider getting semi-permanent makeup artist insurance (UK) to protect you against all eventualities?

Having makeup artist beauty insurance will ensure that you are covered as you practice your profession, either as a mobile operator or salon shop based. Having undergone the appropriate level of training to enable you to practice independently, it is only sensible to protect your initial investment. Correct insurance will protect your business from third part claims. 

makeup artist insurance

Multi Quote Time works in partnership with QuoteSearcher who provide a simple form which once completed is submitted to a specialist panel of brokers. The panel can provide you with quotes for all salon based and mobile businesses in the beauty sector, enabling you to compare multiple quotes for makeup artists.

If you offer private makeup sessions for weddings, parties, fashion events, and so forth, there are so many moving parts. And if things go wrong, who has your back? As a self-employed person or small business owner, you can only rely on yourself. Let’s take a look at how makeup artist insurance works, how you can benefit from getting coverage right away.

What is Semi-Permanent Makeup Artist Insurance?

A career in makeup is very rewarding in so many ways. But even something you love doing can quickly turn into just a job. All jobs come with risks, and makeup artistry is no different. Makeup Artist Insurance will cover you in the event of being sued by a client, or can even be used to replace stolen or broken equipment. 

In most cases, you will be on the road and working remotely at someone’s house or a venue of a party or wedding. There’s always an element of risk when working in challenging environments. Accidents can happen, so be prepared by getting insurance coverage is not just desirable, but essential.

Do I Need Makeup Artist Insurance?

If you are a freelance makeup artist who works remotely, do you need makeup artist insurance? It depends on the size of your business. If you work sparingly or part-time, it’s a contentious decision. But if you work regularly or full-time, you almost certainly require insurance coverage. If you are offering the following services, you are ideally suited for makeup insurance:

  • Special effects, celebrity, day, evening, bridal and stage makeup
  • Body painting
  • Contouring techniques
  • Eye/Lip applications
  • Foundation matching
  • Eyelash extensions

What Does Makeup Insurance Cover?

The most important part of obtaining this type of insurance is ensuring you know exactly what you are covered for and against. Generally speaking, you are covered against someone getting injured or their property getting damaged as a result of your business and services.

Here are some things that you are typically covered by:

  • Damage that you might have caused to your client’s property while you are working or directly linked to your work.
  • Injuries that you’ve caused to someone else in the process of doing your job.
  • In the rare event that a child chokes on one of your brushes while you are working.
  • Accidental damages or injuries caused by one of your employees while working for your business.

Please note: If you employ someone to work for your business, you need by law to obtain employers’ liability insurance.

Here are some examples of potential work scenarios where you will need a makeup insurance policy.

  • If the client you’re working for suffers some kind of allergic reaction from your makeup products or a certain brand of foundation you use.
  • If you’re visiting a client’s house, and you accidentally stain the carpet by dropping a tub of bronzer or another product.
  • In the rare event that a child chokes on one of your brushes while you are working.
  • In the case of an employee who works for you, accidentally poking a customer in the eye with a mascara wand on her wedding day.

What Types of Makeup Artist Insurance is Available?

  • Public Liability insurance provides cover if your client is injured while in your salon or even in a remote location. If a customer falls on your premises, this insurance will cover court fees and compensation claims. And although this type of insurance is not a legal requirement in the UK, it should be a top priority for small business owners who work with the public.
  • Professional Liability is protection if a client makes a claim they were injured by your services. This covers the costs of legal fees and any settlement made. This type is also for unsatisfied customers that could claim against you.
  • Product Liability provides cover if any liquid paste or other application creates an allergic reaction on your client. Generally speaking, in your case, this is the least important insurance type, but that doesn’t mean you should underestimate its importance.
  • Treatment Liability Insurance is a comprehensive policy that covers a wide selection of cosmetic treatments, including makeup application. This covers you against any problems that arise from offering makeup and cosmetic treatments. Again, this might be further down the list when compared to public and professional liability insurance.

Are my Tools and Equipment Covered?

Like with many artistic skills, applying them requires the use of tools and equipment that enable you to transform the ordinary into the extraordinary. These tools in the hands of a trained professional enable you to perform transformations that will leave your clients in awe of your skills.  This cover protects the tools of your trade if they are damaged, lost, or stolen. Some of these tools are not just expensive, but are important to do your job correctly.

Should I Buy Semi-Permanent Makeup Artist Insurance (UK)?

If you are a makeup artist that works at home, out of a salon, or as a freelancer on the road at parties and weddings, getting makeup artist insurance should be a top priority. You never know when an accident or mishap can arise, and you need to be prepared for such eventualities. If someone falls in your shop, or you or an employee accidentally jabs someone in the eye, you might get sued or need to pay compensation. Allergic reactions from the chemicals in your foundation and other products can also cause issues.

Getting fully covered now will save you lots of cash and tears in the long run. Let us help you to compare the best makeup insurance policies, so you get the most competitive deals in the marketplace. 

How much can I earn as a makeup artist?

If you are a freelance professional makeup artist, how much you earn will depend on you. If you work 7 days a week and provide an outcall service, you can charge premium rates. 

How to get started as a makeup professional

Training requires commitment, along with many hours of experimenting on yourself and friends. Video tutorials will also provide you with further inspiration and additional ideas. When you feel you have the basic grounding and a style of your own, look for the professional courses online or nearby where you live. To make it in the world of the makeup artist, you will need at least level 3 industry recognised qualifications.

Compare the costs of makeup artist insurance

Before you start your business, find a good insurance policy that will cover your requirements. You may be working from a studio or providing a mobile or call out services. Each will require slightly different types of cover.  The panel can provide you with multiple quotes tailored to your exact beauty business requirements.

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