Business Insurance for Makeup Artists

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Hair and Beauty Salons
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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.

A makeup artist in a salon holding a brush in front of a seated customer.
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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?

These insurance policies cover the most common risks of makeup artists.
Business owner’s policy icon

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
General liability insurance icon

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 business owner’s policy.

  • Customer bodily injuries
  • Customer property damage
  • Product liability insurance
Professional liability insurance icon

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
Looking for different coverage? See more policies.

How much does personal care, beauty, and makeup business insurance cost?

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A small business with a few cosmetologists will pay less for insurance than a large company.

Factors that affect premiums include:

  • Personal care services offered
  • Business property and equipment
  • Business income
  • Types of insurance coverage
  • Policy limits and deductibles
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

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