Makeup Artist Insurance
Coverage intended for makeup artists working on clients, sets, and events.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage at a client site, studio, or event venue
- ✓Professional liability insurance, also called Errors & Omissions (E&O) insurance, intended to respond to allegations that an application caused harm such as an allergic reaction or skin irritation
- ✓Allegations of a reaction to cosmetics, adhesives, or lash and brow products applied during a service
- ✓Additional-insured status that a venue or salon may require for a rented chair or on-site work
Coverage products commonly considered
Most makeup artist operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A bridal client alleges the foundation and adhesives used caused a facial rash before her event. Professional liability insurance, also referred to as E&O insurance, is generally intended to respond to allegations of this type in the event of a covered claim.
- A makeup kit knocked off a counter damages a venue's furnishings. General liability coverage is generally intended to address third-party property damage allegations of this nature.
Frequently asked questions
Do makeup artists need more than general liability?
Many do. General liability is generally intended to address premises and property incidents, while professional liability insurance — also called Errors & Omissions (E&O) insurance — is intended to respond to allegations that the makeup application itself caused harm, such as an allergic reaction. Eligibility and pricing vary by carrier and state.
Am I covered when I travel to a client's location or an event?
Mobile and on-location work is common for makeup artists, but how a policy treats it can vary. Some venues also require a certificate naming them as an additional insured. A licensed insurance professional can confirm whether your work locations are addressed.
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