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Makeup artist insurance

Makeup artist insurance - everything you need to know

Collette Shackleton
Written by  Collette Shackleton
Saarrah Mussa
Reviewed by  Saarrah Mussa
Updated: 03 Apr 2024

Discover the essential makeup artist insurance coverage you need to safeguard your business.

This page gives information about a financial product that’s not currently available through MoneySuperMarket. However, we do offer business insurance and can help you find various business insurance options to suit the needs of your business.

The life of a makeup artist can be exciting, between all the weddings, fashion shoots, tv shows and films, and even theatre productions.

While it may not be as risky as other professions, things can go wrong, so it’s best to make sure you have the right business insurance for makeup artists to protect yourself and your business.

Who needs makeup artist insurance?

Makeup artist insurance provides financial and legal protection in any unforeseen events, regardless of your niche or work environment. In general, if you fall under any of the following roles, it’s advisable to get business insurance:

  • Freelance makeup artists

  • Wedding makeup artists

  • Makeup and beauty teachers

  • Mobile makeup artists

  • Students

  • Beauty therapists

  • Fashion and photographic artists

  • Nail technicians

  • Beauty salon owners

woman on laptop

What insurance do makeup artists need?

Any makeup artist, especially freelancers or business owners, should always consider protecting your income and tools with appropriate insurance.

Coverage such as public liability insurance, product liability insurance, employers’ liability insurance, and tools and equipment cover can be crucial.

What is public liability insurance for makeup artists?

Makeup artists work with members of the public all the time. While this can be very rewarding, it also means you may be more likely to have legal action taken against you if anything goes wrong.

Public liability insurance covers the cost of defending yourself legally if a client suffers an injury and makes a claim against you, e.g. a client has an allergic reaction to a beauty product you have applied to their face.

It also covers the cost of any financial costs, e.g. if you spill makeup on client’s furniture or flooring and they ask you to cover the costs of having it professionally cleaned.

What is product liability insurance for makeup artists?

Product liability insurance offers protection if you use a defective product that harms your client due to a manufacturing fault. If your client makes a claim, your product liability policy could cover your legal fees.

It won’t cover you for applying a product incorrectly, though. If something happens to your client because of your own negligence, this could be covered under treatment liability insurance.

Some specialist makeup artist insurance includes this as standard, whereas others offer it as an extra cover option.

What is employers’ liability insurance for makeup artists?

Employers’ liability insurance is a legal requirement for anyone who employs staff in the UK. This includes temporary, part-time workers, and students too. This protects you if your employees are injured or fall sick during their time at work.

The only exception to this is if you have immediate family members working for you. However, if there are multiple directors working within your business, then you are still legally required to have employers' liability insurance.

What is tool insurance for makeup artists?

Makeup artists have an extensive toolkit, which can cost thousands of pounds to replace. Tool insurance protects all your brushes and palettes, and laptops and phones against damage, loss, or theft.

It can also help you quickly replace these tools to keep your business up and running and prevent you losing valuable clients. Alternatively, you can also look into business contents insurance, which can offer protection on your belongings too.

What other cover should makeup artists consider?

As a makeup artist, you should assess individual risks and consider additional coverage such as:

How can I protect my business as a makeup artist?

No matter how much you try and prepare, accidents and mistakes can happen in any business. However, there are ways you can reduce the risk of claims and protect your makeup artist business:

  • Ensure clear client expectations: be honest and clear about what you can and can’t offer your clients and make sure they understand exactly what they’re paying for. If possible, record conversations over an email or social media messages, as you may need to refer to these if a claim is made against you.

  • Maintain hygiene standards: make sure you’re following hygienic standards such as sanitising your brushes and spongers between each client to reduce breakouts, illness, or allergic reactions, and wiping down chairs and other beauty equipment between each client.

  • Obtain adequate insurance coverage: protect your business and give yourself peace of mind by making sure you have the right level of business insurance.

How much does makeup artists’ insurance cost?

The cost of makeup artist insurance depends on factors such as business size, experience, and desired coverage levels. Comparing policies from different providers and types of policies can help find the most suitable and cost-effective option.

Can I get insurance as a mobile makeup artist?

Yes, insurance is available for mobile makeup artists. This offers coverage wherever you’re working, and you can compare policies based on the type of work you do and where you do it from.

Do I need to be a qualified makeup artist to get insurance?

Some policies may cover self-taught makeup artists, while others may require specific qualifications or experience levels. It's essential to check policy terms to ensure suitability for individual businesses.

Does makeup artist insurance cover permanent or semi-permanent makeup?

As always, you'll need to check your policy to see what's covered and excluded. If you're applying semi-permanent or permanent makeup, applying eyelash extensions, doing microblading, or treatments such as waxing, manicures, or spray tanning, then you may need to arrange extra cover.

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