What kinds of insurance do Makeup Artists need?

Professional Indemnity/ Medical Malpractice, Public Liability Insurance, Product Liability Insurance

Do you need a makeup artist insurance?

It is good practise to secure business insurance for makeup artists right away if you want to be financially protected.

Makeup Artist Insurance in Australia

Hassle-free insurance cover to make up for all the losses!

As a makeup artist, you are the core professional responsible for handling your client’s facial appearance. You know the right cosmetics to apply. Your clients go to you for expert advice on makeup techniques. With the pressure put on makeup artists comes associated risks like product contamination and skin damages.

This results in potential lawsuits that could get financially messy. With the help of a makeup artist insurance, you don’t have to deal with the full impact of the loss.

Customised Beauty Insurance Offers and Packages in Australia

What insurances would help you as a makeup artist? When it comes to makeup artist insurance, there is more than one type of salon insurance cover. Go over these types of insurances. We can help you arrange a customised package.

Professional Indemnity/ Medical Malpractice

Let’s say you did a makeup, and your client complains and sues you for not having the perfect makeup for their wedding day or a special event. You can turn to your professional indemnity / medical malpractice policy that may cover for mistakes on the advice and service you have provided you provide

Public Liability Insurance

As a makeup artist, you are liable for any third-party injury or damage arising from conducting your business even in your customer’s home. This can be incidents like slips and falls, which public liability cover can help.

Product Liability Insurance

Part of your work you provide products to work on each client. Product liability insurance may protect you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing irritation or allergic reaction, product liability insurance may cover the compensation costs.

Other business insurance products for Makeup Artists

Risks for Makeup Artists are not only related to practice but to business operations as well. Get covered by other beauty insurance for your business, on top of the above-mentioned policies. These policies below are a recommendation only and are subject to a review of your specific requirements.

Business Insurance

This protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption for the potential loss of income, under certain sections of the business policy.

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit, and statutory fines and penalties.

Personal Accident and Illness Insurance

This insurance is for every individual who is taking the time to recover from an injury or illness and unable to work.

Workers Compensation

Workers' compensation is vital to help cover costs related to an injured employee during business hours.

Cyber Insurance

If you maintain a website or a digital record of your customer's personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Tax Audit Insurance

Whether you run a small or large business or work as a contractor. This insurance will cover your business for tax auditing by the ATO.

Get all the bases covered by getting insurance for your business today!

Securing a makeup artist insurance for your business with Sparrow Insurance is seamless and easy! Whether it’s your first time or not, we are here to make it a hassle-free experience for you. Get the ideal business insurance and cover by following these three easy steps:

Step 1: Learn more about the business insurance types available by visiting our website.
Step 2: Speak to one our amazing team, who can provide options for your consideration
Step 3: Get a quote.

Not sure of the policies you need? We can assist you with getting a suitable cover. We can arrange a customised package that fit your needs. Let us know of your requirements and we’ll provide an insurance review.

If you’re set, you can go ahead and request a quote online.

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FAQs

How much does this insurance cost?

The cost would depend on the level of cover you get. Adding more business insurance products like hairdressing insurance or insurance for beauty salons, would also mean additional cost. However, you get more protection from it.

Do all businesses need insurance?

Yes, if you offer services to the general public, you should be prepared for any accidents or events that could lead to lawsuits. With business insurance, makeup artist and business owner like you can get peace of mind. You get protected, your products and brushes are your tools.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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