Why do makeup artists need insurance?
Being a makeup artist is exciting, but it can also be stressful. Your reputation, name and brand are all on the line. You apply cosmetics using special techniques and work with different skin tones. You must face scrutinizing clients and exceed their expectations. If you fail, you may find yourself facing a lawsuit. Whether factual or not, claims can result in a loss of clients and income.
There are other risks that insurance can protect a makeup artist from. A product might cause an allergic reaction, or a competitor might allege you stole their formula. Whether you have your own makeup line or use others’ products, insurance can protect against liabilities.
Hiscox offers makeup artist insurance that covers the specific risks you face. With insurance, you are protected from emotional distress claims or claims that you didn’t provide the services that were contracted for. You are also protected from bodily and personal injury and property damage.
Insurance policies available for makeup artists
Professional liability insurance is also called errors and omissions (E&O) insurance. This is coverage for claims against businesses that provide professional and personal services. It includes beauty-based businesses like the makeup artist industry. Having professional liability insurance is important to mitigating litigation risks.
Here is an example. A makeup artist is making up an actress for an audition. The role is a that of a recognizable historical character, and the actress requests the makeup be as historically accurate as possible. The actress doesn’t get the role, blames the makeup artist for not making her look enough like the character, and sues. E&O insurance can protect a makeup artist from a claim like this.
In another example, a makeup artist hires an assistant to help do the makeup of a bridal party. The mother of the bride is a notable local celebrity. After the wedding, the assistant is overheard in a restaurant speaking about the celebrity’s behavior in a disparaging way. The celebrity sues the makeup artist for slander, but the makeup artist’s professional liability insurance policy covers the cost to defend the lawsuit, as well as any settlement or judgment.
General liability insurance is also called Commercial General Liability (CGL). It protects you from another person’s claims of bodily injury, medical costs, or property damage. A client can sue you for slander, property damage or bodily injury - even if you did nothing wrong. That is why having the right insurance is important. You can confidently take opportunities with Hiscox backing you.
Having coverage is helpful in several ways. Here is an example. A client is in a makeup artist's studio and the client trips on the carpeting, breaking their foot. The client is a model who cannot make bookings for several weeks until the foot heals. General liability insurance can cover bodily injury claims and the associated medical costs if an injury occurs in your business.
In another example, a makeup artist spills a product on a client’s expensive handbag, damaging the leather beyond repair. Their general liability insurance policy could cover the cost to replace the handbag.
In a business where your reputation is constantly scrutinized, liability insurance is crucial. It reduces risk exposure, protects your business, and lets you get back to your clients.
Learn about how much general liability insurance costs.
Why do Beauty Professionals choose Hiscox?
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
- Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
- Worldwide coverage: A business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. Territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Get a fast, free quote now and get that Hiscox confidence behind your beauty business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
Hiscox Customer Reviews
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“Application was simple, quick.”
The application process was easy to use and explained each area with enough detail for me. I am a new customer, so I do not have a lot of experience with the Hiscox, but so far the experience is good.
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Customer service is very friendly and helpful.
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“I would recommend Hiscox to trainers and students, Gives Playmar S&C a sense of security.”
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.