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.
Other Professions We Insure
Insurance policies available for Makeup Artists
For most businesses, there are 3 general types of insurance policies to explore. Each of these includes unique protections. They can help you take the right risks for your makeup artist business.
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.
A business owners policy (BOP) combines general liability with business property insurance to cover most risks.
When you have a BOP, you have protection for your business assets and your equipment as well as protection against third-party claims of property damage or bodily injury. If a client falls on your property you can cover medical expenses and other damages. If a storm damages the windows at your business, you have coverage to make repairs and get your doors open again.
Why do Makeup Artists choose Hiscox?
At Hiscox, we know business insurance is a complex subject. We refine our products to help meet your needs. Do not wait to get insurance. With a fast, online application process, you can be covered the same day.
Here are six reasons why retailers choose Hiscox above other providers for small business insurance.
- 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—4.8/5 people surveyed recommended us.
Hiscox Customer Reviews
Denine, Scotts Valley, California
prompt courteous service. got exactly what I needed. great price!
Brian, Irving, Texas
"Excellent Customer Service"
The agent I spoke with was extremely courteous and professional. He listened carefully to our needs, asked the right questions, and quickly developed a policy suited to our requirements without trying to sell unnecessary options.
"Good folks, good company"
I have used Hiscox in the past, and the agents have been very helpful and courteous. The policy premium is reasonable and the whole process is very quick.
Jerry, Bakersfield, CA
"Very easy and convenient service. Excellent and rapid response. Clear answers to questions. Very reasonable prices."
Tom, Peoria, AZ
“Excellent. The person who helped me was nice and professional.”
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.