Clients put their trust in make-up artists to make them feel beautiful. Whether they’ve hired you for their wedding day or prom, they rely on your services. But even if you have years of experience and take every possible precaution, there’s still a lot that can go wrong. From a customer having an allergic reaction to a make-up product and suing you to a windstorm damaging your beauty studio, the best way to prepare yourself is with make-up artist insurance.
Who needs make-up artist insurance?
Make-up artist insurance is designed for a wide range of beauty professionals, including make-up artists, estheticians, salon owners, hair stylists, barbers, eyelash and eyebrow technicians, spa owners, nail technicians, tattoo artists, waxing and laser hair removal specialists, and more. If you aren’t sure whether make-up artist insurance is right for your business, contact ALIGNED today.
Insights 101 | Insurance coverage for make-up artists
Make-up artists may benefit from the following insurance coverages:
- Professional liability insurance: Professional liability coverage, also known as errors and omissions insurance, covers the cost of a lawsuit that alleges error, misconduct, negligence, or failure to deliver a service as promised. This can come in handy if a claim is brought against you and/or a make-up artist who works on your behalf.
- Commercial general liability insurance: Commercial general liability coverage protects your make-up artist business against claims of third-party bodily injury and property damage. If you are sued by a customer after they slip and fall in your studio, your insurance company may cover the cost of the lawsuit, as well as any applicable medical expenses up to the policy limit.
- Product liability insurance: Product liability insurance, which is often part of commercial general liability insurance policies, could be important if your make-up artist business sells products, such as cosmetics or skincare products, to customers. With this type of coverage, your business can be protected if one of the items you sell causes property damage or bodily injury to a third party, and they bring a lawsuit against you.
- Cyber liability insurance: If your make-up artist business stores confidential client information online (e.g. personal or financial information), then cyber liability coverage may be necessary. It can protect your business if it falls victim to a data breach, cyberattack, or hack. Specifically, cyber liability insurance may cover the costs of any applicable legal expenses, credit monitoring, client notification, restoration fees, and more.
- Commercial property insurance: Lastly, commercial property is important for many businesses, including make-up studios. Why? Commercial property insurance protects your physical space and any business-related contents (e.g. make-up, electronics, furniture, etc.) from property damage, so long as the property damage was caused by an insured peril. Insured perils may include the likes of windstorms, fire, theft, water damage, vandalism, etc.
What are you waiting for? Contact ALIGNED to get started with make-up artist insurance today.
Contact ALIGNED to learn more about make-up artist insurance. Click Here To Get A Quote or contact one of our business insurance experts for information or with any questions you may have.