Cosmetic tattooing leaves a permanent mark, which makes insurance essential. If a scalp micropigmentation changes color over time, or a pigment causes an adverse reaction, the result could be a lawsuit. Permanent makeup insurance can protect against legal fees, medical bills, and other expenses.
These insurance policies cover the most common risks of permanent cosmetics and microblading.
General liability insurance covers basic third-party risks, such as a customer who has an allergic reaction to permanent eyeliner. Bundle it with commercial property insurance for savings in a BOP.
A business owner's policy, or BOP, is a cost-effective way for cosmetic tattoo artists to buy general liability coverage and commercial property insurance together.
Professional liability coverage pays for legal costs related to work performance, such as a client who sues over poor lip liner results. It's also called errors and omissions insurance (E&O).
Most states require workers' comp for permanent makeup clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
It's easy to get cosmetic tattoo 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 that fits your permanent makeup business, whether you work independently or hire employees.