• Public liability insurance
  To cover you for legal fees and compensation costs should a client get injured or you inadvertently damage their property.
• Employer’s liability insurance
  A legal obligation if you have employees, this covers you if your employee suffers injury or ill health as a result of your work.
• Contents cover, for your kit and equipment, along with any furniture, fixtures, and fittings
  This is to cover the items within your business premises such as furniture as well as your equipment.
• Product liability insurance
  To protect you should a product you’ve used or sold causes injury, illness or property damage to your client.
• Premises cover
  This is to cover your work premises, whether it’s a salon or your home.
• Business interruption insurance
  To cover your lost income or expenses to resume operations should your business have had to unexpectedly close.
• Treatment risks cover
  To protect you against claims of injury, illness or allergic reactions caused by your treatments. Clients may have unexpected allergic reactions to some foundations or mascaras, for example.

All makeup artists should consider public liability insurance, as there are many things that could go wrong in your line of work:

• You could accidentally injure them while administering treatment
• During a home visit, you could spill a product on a client’s property
• They could slip, trip, or fall while visiting your premises
• They could suffer an allergic reaction, or even fall ill, as a result of your treatment

In any of these cases, a client may choose to make a claim against you. And if they do so, your public liability insurance could cover any compensation they may be due, as well as any legal fees that may arise following a dispute.

If you are a freelance makeup artist, your makeup artist insurance can cover you for any accidents or incidents that may occur during a home visit, or while working on a client’s property. For example, if you accidentally spill a product on a client’s carpet, your insurance can cover any cleaning or repairs that may be necessary.

Your insurance will also cover your kit and your equipment when it is in storage, in transit, or otherwise outside of your standard business premises.

If you provide semi-permanent makeup or cosmetic services, including derma- or micro-pigmentations, then you will need additional treatment risk insurance as part of your makeup artist insurance package.

This will cover you and your clients should any complications arise as a result of your treatment, including infections, allergic reactions, and migration of pigment. If something goes wrong, your insurance can cover your legal fees, along with any compensation payments that may be due.