Why do makeup artists need insurance?
High expectations bring high liability, so you'll want to protect your business with the right makeup and beauty insurance policies. Gain peace of mind with coverage that can help pay for legal fees and medical expenses, and provide proof of insurance for contracts and leases.
Find affordable coverage
Beauticians can save money by comparing quotes for makeup artist insurance policies from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of business insurance do makeup artists need?
General liability insurance
A general liability policy covers basic third-party risks, such as a customer who sues over an allergic reaction to a cosmetic product. Bundle it with commercial property insurance for savings in a BOP.
- Customer bodily injuries
- Customer property damage
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a lower rate than if they were purchased separately. Most small makeup salons are eligible.
- Customer bodily injuries
- Damaged customer property
- Damaged business property
Professional liability insurance
Professional liability insurance covers legal defense costs if a beauty professional is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
- Makeup artistry errors
- Undelivered makeup services
- Accusations of negligence
Workers’ compensation insurance
Most states require workers' comp for makeup salons that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's strongly recommended for makeup artists who handle credit card numbers and other personal information.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by a makeup salon. Most states require this coverage for vehicles owned by a business.
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
How much does personal care, beauty, and makeup business insurance cost?
A small business with a few cosmetologists will pay less for insurance than a large company.
Factors that affect personal care insurance costs include:
- Personal care services offered, such as wedding and prom makeup or nails
- Business property and equipment
- Business income
- Location
- Types of insurance coverage
- Policy limits and deductibles
How do I get makeup artist insurance?
It's easy to get makeup artist business insurance or permanent makeup (PMU) insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage for your risks in the makeup and beauty industry, whether you're self-employed or an employer.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.