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A Guide To Face Painting Public Liability Insurance

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
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The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

 July 2023

The panel offers face painting insurance quotes for face painters that operate from fixed premises or artists that provide a mobile service. Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. The panel can also provide you with multiple quotes over the phone in any of the beauty sectors, including makeup artists.

The popularity of both face painting and glitter tattoo application has increased recently, and so have the number of professional face painters. With the increase in clients going to these professionals, the number of disagreements has risen and the reason each professional face painter needs to be financially protected against claims with insurance policies. A professional tattoo artist will have tattoo insurance to protect themselves and their business financially, similarly a face painter should also consider insurance protection. 

Do You Need Face Painting Insurance?

face painting insurance

As a face painter, you will be working with members of the public. When you are working with the public and that includes small children, you can be held liable for claims made against you. If you take out face painting insurance, it should include public liability insurance. If your tools of the trade are expensive, you should consider adding coverage for your business equipment.

Is Face Painting Insurance A legal Requirement?

Face painting insurance is NOT a legal requirement for face painters to have insurance, but you may find that any event that you apply to will request to see proof of public liability. Failure to provide will disqualify you from taking part.

Professional and Public Liability Insurance for Face Painters

Public liability is the cornerstone of any good insurance policy. This element protects you financially against claims made by third parties. These claims are normally for injury, but includes damage and loss to property. The cover is aimed to cover costs in any court and legal fees that you may face, and any payout should you or your business be found to be at fault

  • The application of the pigments on the face has an adverse reaction and causes irritation.
  • The preparation of the skin with a cleanser or lotion causes irritation of the skin.
  • If irritation of an orifice occurs; eyes, nose, ears or mouth.
  • The client is injured for any reason while in the presence of the artist.
  • The client is unhappy with the final results including the figure or design is considered to be out of proportion.
  • Any form of sexual harassment or any other type of harassment is implied by the client against the artist.
  • The accidental spilling of the pigment on a garment of the client.
  • The accidental spilling of the pigment on a garment of the client.
  • A fall or injury occurs by accident if contact between the artist and client happens causing injury, harm or distress to the client.
  • If any action occurs during the application of the pigment that is incorrect during a natural event as with an earthquake or other event of Mother Nature.

What Does Face Painting liability Insurance Cost?

The cost will vary slight from insurance company to insurance company, as different providers will measure risk differently. Example, one insurance company may give .more weight to how long you have been in business, whilst another will give more weight to your age. This is one good reason to always get multiple quotes when looking for any kind of beauty insurance product. This is also true come policy renewal time, as thing are fluid in then insurance sector and new offers and insurance disruptors enter the marketplace. 

What is Treatment Risk Insurance?

Treatment risk insurance provides cover for the application of any medical or other bodily treatment (other than first aid treatment). This can be added to the face painting insurance policy and will cover you for any claims against the treatment.

Compare The Cost of Face Painting Insurance UK Today

In any business, you want to keep your fixed overheads to a minimum, and this includes the cost of insurance. At the same time, you need to get the right level of cover. Start the process by getting multiple quotes from a select panel of UK brokers that specialise in the beauty sector. Select the quote button below to get multiple quotes for face painting insurance.

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