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Makeup Artist Insurance
Protect your small business with insurance for makeup artists
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Tailored insurance for makeup artists' business needs
Insurance is an essential part of the makeup artist's tool kit. It's as important as your brushes, palettes, makeup, and sponges. It protects your business so you can focus on making clients look and feel their best. Whether you're a seasoned pro or just starting out, we have flexible coverage and customized policies to meet your needs.
What is makeup artist insurance?
Makeup artist insurance is business coverage customized to the needs of beauty professionals. Depending on how you work, it might include protection for your equipment, products, company car, and more.
If that sounds like a lot, don't worry. We'll help you get the insurance you need. Progressive Commercial can recommend a policy with the right limits based on your business. Call our team or start a quote online to learn more.
Why insurance for makeup artists is important
From theatrical productions to weddings and events, makeup artists enjoy fun, creative work. The right makeup artist insurance prepares you for unexpected risks, so you can bounce back if an accident happens.
For example, say a client has an allergic reaction to one of your products. Your makeup artist liability insurance can pay for their medical care, keeping you in good standing with your client.
Do makeup artists need insurance?
Yes, having insurance is a good idea, but the type of coverage you need depends on the services you provide and the details of your business.
Insurance can also help you meet contractual requirements and build a positive reputation. For example, if you work as an independent contractor for a theater company, they might ask you to have liability coverage.
If you need proof, we can quickly provide a certificate of insurance (COI) that outlines your policy details and confirms you're insured.
What types of makeup artists need insurance?
Makeup artist insurance is a good fit for a variety of beauty professionals and businesses, such as:
- Theatrical makeup artists
- Fashion makeup services
- Celebrity makeup artists
- Bridal makeup providers
- Cosmetics promoters
- Freelance makeup artists
- Cosmetologists
- Entertainment makeup artists
Insurance is a must for most beauty businesses. Whether you have a sole proprietorship, run an LLC, or work for a beauty startup, Progressive Commercial can personalize a policy to meet your needs.
What insurance does a makeup artist need?
Makeup artists need a wider variety of coverage than you might imagine. Depending on your business's services and scope, the right policy can include liability, commercial auto, and more. The following coverage explanations can help you decide what you need most:
General liability (GL)
Covers third-party injury and property damage
General liability (GL)
Covers third-party injury and property damage
General liability insurance is an essential protection that pays for damage you accidentally cause others. The benefits of general liability cover both property damage and physical injury. It also includes personal advertising injury protection, which pays to defend you from claims of libel, slander, and copyright infringement. Learn about the cost of GL insurance.
Example: You're setting up your kit in the bridal suite of a luxury hotel. Your lighting stand accidentally falls over and breaks a mirror. Your general liability coverage can pay to replace the broken mirror.
Business owners policy (BOP)
Packages liability and property insurance in one convenient policy
Business owners policy (BOP)
Packages liability and property insurance in one convenient policy
A business owners policy combines liability insurance for makeup artists with commercial property protection to cover assets like your tools and studio space. You can opt for additional BOP coverages and customize your policy with the protection that matters to you.
Example: A fire breaks out in your rented makeup studio, ruining thousands of dollars' worth of equipment, tools, and supplies. The commercial property coverage in your BOP can cover the cost of replacing your items.
Commercial auto
Covers vehicles used for your business
Commercial auto
Covers vehicles used for your business
If you have a vehicle you use primarily for work, a commercial auto policy is probably essential. States have minimum auto liability coverage requirements, but many businesses add more commercial auto coverage for better protection on the road.
Example: You work on photo shoots and drive a van to transport your equipment, props, and supplies. On the way to a job, you run into a fire hydrant. Your commercial auto can pay for the damage to the city's property and your vehicle.
Workers' compensation
Protects your employees if they get hurt or become ill
Workers' compensation
Protects your employees if they get hurt or become ill
Most businesses are legally required to carry workers' compensation insurance to protect employees who get hurt. Even independent contractors can benefit from workers' comp because it can cover lost wages if they're injured on the job. Learn more about workers' compensation costs and workers' comp requirements for your state.
Example: In the middle of a long production run, your top makeup artist injures her wrist and is unable to work. Workers' comp would pay her doctor bills and lost wages while she recovers.
Professional liability
Covers claims of negligence
Professional liability
Covers claims of negligence
Professional liability insurance for makeup artists can protect against claims of negligence or professional mistakes. The cost of professional liability is determined by the type of work you do and your coverage limits.
Example: An unhappy bride claims you ruined her wedding and sues you. Your professional liability policy can cover the costs of a lawsuit, whether the claims are valid or not.
Cyber
Safeguards customer data, software, and your reputation
Cyber
Safeguards customer data, software, and your reputation
If you store or process sensitive details like credit card information, cyber insurance is essential. It can pay for recovery and other services if data in your care is hacked or stolen. Learn more about what cyber insurance covers and what it costs.
Example: Your customer database where you store credit card and other client information is hacked. Cyber insurance can cover the costs of data recovery, client notifications, legal fees, and regulatory fines.
Product liability insurance for makeup artists
Most makeup artists work with hundreds of products from different manufacturers. Some also sell the products they use. Product liability coverage can protect you if a customer claims that something you sold caused harm or injury.
What does makeup artist insurance cost?
The cost of business insurance varies depending on many factors. Insurers consider the following when calculating your rate:
- Location
- Coverage selections and limits
- Products you use
- How long you've been in business
- Special equipment
- Number of employees
For businesses that have vans or other company vehicles, the cost of commercial auto insurance will also affect how much you pay for coverage.
Explore insurance discounts with Progressive Commercial to see how you can save on your premium.
Insurance for makeup artists through Progressive Commercial
Progressive Commercial has been insuring small businesses for over 50 years. Our experience, competitive rates, and exceptional customer support make us an ideal partner for beauty professionals of all kinds.
Call us or start a quote today to learn more about building a policy that's as unique as your artistry.
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