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 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.
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.
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).
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.
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.
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.
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:
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.