Makeup artist public liability insurance

In case someone gets injured or their property gets damaged as a result of your business.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage you’ve caused to someone else’s property while you’re working, or as a result of your work
• injury you’ve caused to someone else while you’re working, or as a result of your work
• accidental damage or injury caused by your employee (remember, if you employ people, you’re required by law to have employers’ liability insurance)

For example:

• a model you’re working for suffers an allergic reaction to a particular brand of foundation you’ve used
• you’re visiting a client at their home and you accidentally drop a tub of bronzer, staining an expensive beige carpet
• you sell a highlighting and contouring kit to a customer and their child chokes on one of the brushes
• your employee pokes a customer in the eye with a mascara wand while applying bridal makeup for her wedding day

Read more about public liability insurance

Employers’ liability insurance

In case something happens to one of your employees while they’re working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• illness or injury experienced by a member of staff because of the work they’ve done for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• while trying out a new eye colour cream you’ve bought, your assistant suffers an allergic reaction to one of the chemicals in the ingredients
• your employee shuts her hand in the car door while you’re on your way to an autumn/winter fashion event

Business and office equipment insurance

In case your business and office equipment is lost, stolen, or damaged.

What’s typically covered by business and office equipment insurance?

• the equipment you use to run your business (mainly operational equipment, not tools of the trade) while stored at your business premises, while at a client’s premises, or while you’re travelling to a job
• theft of your equipment
• flood or fire damage to your equipment

For example:

• the laptop you use to take bookings is stolen from your office
• your 3D makeup printer is lost or stolen at an industry event

What you’ll need additional cover for

• your makeup tools – these would be covered under tools insurance

Read more about business and office equipment insurance

Tools insurance

In case your makeup artist tools are lost, stolen or damaged.

What’s typically covered by MUA tools insurance?

• the specialist tools you use to carry out your profession as a makeup artist (especially handheld tools and portable electronic tools), whether on site, stored at your business premises, or while you’re travelling
• theft of your tools
• flood, fire, or accidental damage to your makeup artist tools

For example:

• the bag containing your makeup palette, brushes, false lashes and other accessories is stolen while you’re on site working with an actor, so you need to buy replacement products
• your kit is damaged in a flood

Read more about tools insurance

Stock insurance

In case the products or materials you keep in stock are lost, damaged or stolen.

What’s typically covered by stock insurance?

• loss, damage or theft of the materials you use to carry out your work
• loss, damage or theft of the items you’re planning to sell to customers

For example:

• the makeup brushes you keep in your sales inventory are stolen from your business premises, so you need to replace them

Read more about stock insurance

Legal expenses insurance

In case you’re faced with legal costs from running your business.

What’s typically covered by legal expenses insurance?

• assistance with investigations into your tax and compliance affairs
• the cost of resolving disputes with members of your team, and similar legal costs you’re responsible for as the owner of your makeup artist business
• legal claims and compensation payouts to do with property damage, nuisance or trespass
• access to a tax advice helpline, a confidential 24/7 legal helpline, and crisis communications support to help you restore confidence in your brand as a makeup artist

For example:

• your company is selected at random for an audit or you’re investigated by HMRC, so you need a hand dealing with the tax enquiries – either for the business itself, or for you as an individual and any other directors
• you’ve got to defend your rights following the dismissal of a member of staff

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident.

What’s typically covered by personal accident insurance?

• injury or death at work or outside of work, for anyone covered on the policy
• lost income, medical costs and hospitalisation benefit

For example:

• you trip over your customer’s dog on your way into their house, causing you to fall over and break your wrist
• you sprain your ankle on a night out with your friends at the weekend

Read more about personal accident insurance

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tools cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does makeup artist insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider beauty insurance or mobile beauty insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

• Nail technician insurance
• Beauty salon insurance
• Nail technician insurance
• Nail salon insurance
• Pedicurist insurance
• Beauty consultants
• Barber shop insurance
• Hair salon business insurance

Other types of insurance

• Self-employed insurance
• Freelance insurance
• Consultant insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.