Becoming a makeup artist is a good dream you want to continue with. However, being a makeup artist requires some accreditation and standards, which will help you grow your makeup business. In this article, we’ll discuss the types of insurance that a self-taught makeup artist in the UK might be able to get, such as public liability insurance.
Makeup Artist Insurance
Effective make-up artist insurance begins with an understanding of the risks you face and the insurance coverages you need to protect against them before you can truly protect your business. Coverage for make-up artists should also include the following:
#1. Public Liability Insurance for Make-up Artists
You can use this insurance to safeguard your business in the event that a customer is injured or becomes sick as a result of using your services, or their property is damaged as a result of using your services. For make-up artists, a public liability insurance policy can cover legal fees and compensation in the event that one of your clients suffers an injury or damages their property.
#2. Make-up Artist Treatment Risk Insurance
You should also think about obtaining legal and compensation coverage in the event that a client is hurt or becomes ill because of the treatment you provided. Health and safety regulations, risk management techniques like patch testing, and comprehensive insurance coverage will help you if a customer develops an allergic reaction as a result of your work.
#3. Products Liability Insurance for Make-up Artists
Customers who purchase beauty products from you will require this cover. Even if you don’t end up selling unsafe or defective products by accident, the policy will take care of your legal costs and compensation.
#4. Employers Liability Insurance
Your makeup artist business requires this insurance if you employ others. You can cover legal fees and compensation in the event that an employee has an injury or illness while at work and files a claim against you.
#5. Property Insurance for Make-up Artists
With property insurance, no matter where you work, you can cover serious incidents like fire or flood, and you’ll be able to get back to business as usual as quickly as possible.
#6. Make-up Artists’ Equipment Insurance
In the event that you are a make-up artist who relies on technical tools and equipment to carry out your work, you may need this insurance to protect you from unexpected costs if those tools are lost or stolen.
If a crisis arises, you may be able to replace some of your lost income with business interruption insurance; or the cost of litigation will cover you if you have a disagreement with a supplier about how they should write the contract.
What Are The Benefits of Makeup Artist Insurance?
Whenever you’re working with actors, models, or brides, the last thing on their minds is a lipstick allergic reaction. However, as a Makeup Artist, you have to be aware of the potential dangers. It is reassuring to know that makeup artist insurance covers everything from allergies to accidents.
- In the event of a major claim, such as personal injury or property damage, you’ll be covered.
- You should cover everything from your employees to your makeup tools to your sales inventory.
- Assurance in the event of legal fees and personal injuries.
Makeup Artist Public Liability Insurance
Use public liability insurance as a precautionary measure as a makeup artist; in the case of damaging someone’s property because of your activities.
Public liability insurance typically covers what?
Your business may be sued for:
- The damage you’ve done while working or as a result of your work to the property of another
- An injury you’ve inflicted on another person while at work or as a result of the work you’ve done
- Damage or injury caused by your employee (remember, you must have employers’ liability insurance if you employ people)
For instance:
- Allergic reaction to a foundation you’ve used on a model you’re working with
- You drop a tub of bronzer on a beige carpet while visiting a client at their house.
- The child of a customer who bought a highlighting and contouring kit choked on one of the brushes that you sold them.
- While applying a bride’s bridal makeup, one of your employees accidentally pokes her in the eye with a mascara wand.
Makeup Artist Insurance UK
Although some councils in insurance companies, may require you to register with them as a freelance makeup artist if you are operating from your own premises, there are no national licensing requirements in the UK. For the sake of your peace of mind, they do this. As long as you’re running your business professionally, this shouldn’t pose any issues. Depending on the local council’s inspection, you may be in a position to pay a fee or display certain documentation, such as your certificate of registration.
Public Liability Insurance
In the event of a compensation claim from a member of the general public, this type of insurance will protect you from financial ruin. Typically, it includes product liability insurance, which protects you from claims for compensation arising from the sale or supply of any products.
An extension for treatment risk should be part of your public liability insurance policy. Professional services like applying makeup will no longer be excluded from coverage because of this new rule.
Your public liability insurance should also include a financial loss extension. As a result, compensation claims for purely economic losses, such as a reduction in income, would be denied.
However, there are some other insurance licenses you need to have as a makeup artist based in the UK, for example, if you require a PRS license to play background music, operate a CCTV system, or store personal data about your clients or employees, you need the required insurance license to back it up.
Additionally, it is vital to register with HMRC in getting insurance in the UK when establishing yourself as a freelance makeup artist, as well as to register as an employer if you employ anyone.
Self-Taught Makeup Artist Insurance
When you become a self-taught make-up artist, you need insurance for make-up artists. liability insurance for makeup artists helps you start your own business as a make-up artist. Below are the types of insurance that cover you as a self-taught makeup artist:
#1. Property Insurance
If you own your salon’s premises or are responsible for ensuring a building that you rent for your salon, you’ll obviously need building insurance. The contents of that building must also be insured against accidental damage or theft.
However, if you are a mobile operator without a salon, you should consider insuring your equipment and inventory, as the total value may be greater than you believe. Professional makeup is costly to replace, and office equipment such as the computer you use for business and the mobile phone you use to communicate with clients is also valuable.
Having adequate coverage ensures that if you suffer a loss, you can quickly resume operations and avoid losing bookings.
#2. Liability Insurance
Employers are required by law to carry employer’s liability insurance. This type of insurance protects you against any workers’ compensation claims made against you by your employees.
Additionally, all make-up artists should be covered by public liability insurance. This is similar to the previous, but it covers compensation claims made against you by third parties alleging that they have been injured or their property has been damaged as a result of something you did or did not do.
Additionally, a makeup artist should carry product liability insurance. Rather than compensating you for something you did or did not do, this type of insurance compensates you for claims arising from a defect in a product you sold or supplied.
Liability insurance is critical because compensation claims can be extremely expensive to resolve. Numerous compensation awards cost £10,000 or more, and some serious injuries can result in awards exceeding £250,000, especially when associated costs and expenses are considered.
Another critical feature of liability insurance is that your liability insurer will handle any compensation claims on your behalf; thereby helping you of the burden of complicated legal arguments.
#3. Treatment Risk Cover
A standard public liability insurance policy will not cover a claim for compensation resulting from professional activity. As such, a makeup artist who relies on standard public liability insurance may find themselves uninsured.
They should ensure that their policy includes an extension for treatment risk coverage to account for this potential coverage gap.
#4. Financial Loss Cover
Standard liability policies will cover only compensation claims for bodily injury or property damage. Compensation claims for purely economic losses will be denied. You should ensure that your public liability insurance policy includes a financial loss cover extension; to protect you in the event of a compensation claim for purely economic loss.
Other Types Of Insurance
You should also consider legal expenses insurance in addition to property and liability insurance. This protects you by covering your legal costs if you become a party to a lawsuit.
Additionally, it is worthwhile to consider personal accident and sickness insurance. This protects your income if you are unable to work due to an injury or illness.
What insurance does a makeup artist need?
Here are some of the insurance you need to get as a makeup artist.
- #1. Property insurance
- #2. Liability insurance
- #3. Treatment risk cover
- #4. Financial loss cover
What is public liability insurance makeup artist?
You can use this insurance to safeguard your business in the event that a customer is injured or becomes sick as a result of using your services, or their property is damaged as a result of using your services. For make-up artists, a public liability insurance policy can cover legal fees and compensation in the event that one of your clients suffers an injury or damages their property.
Can you be a self taught makeup artist?
When you become a self-taught make-up artist, you need insurance for make-up artists. liability insurance for makeup artists helps you start your own business as a make-up artist.
