Does a makeup artist require some type of insurance? Having the right makeup artist insurance can protect you as you provide service to others as a makeup artist. You can either practice your profession in your own shop or on a mobile or you can choose to do both.
You have invested a lot as a makeup artist, that is why it is only sensible that your business must be covered with insurance. In this way, you won’t be liable for claims filed by your employees, clients, or from third parties that could put the future of your business at risk.
What are the types of insurance policies that can be availed by makeup artists?
Being a highly trained professional makeup artist, you are always used to the fact that when you make mistakes, you can always correct it with cotton swabs or remover. But accidents can happen anytime. What if your client suffered from a severe allergic reaction due to the products that you’ve used on them? Or what if you’ve broken an expensive item while you are in your client’s home.
As a professional makeup artist, it is important that you must have proper training. Additionally, you should also take out a makeup artist insurance that is suitable for the needs of your business. Aside from protecting your business and your clients, it would also be wise to consider getting a cover for your tools and equipment since you have invested a lot of money for it.
General Liability Insurance
Having this insurance can protect you against the things that could happen due to the services that you provide. Most often it can also include Premise Liability. This can cover the cost of your client’s injury, in case they are harmed while being on your premises.
Professional Liability Insurance
This can cover you against the legal costs involved in the event that your client will file a claim due to that services that you provide. For instance, what if you’ve accidentally ruined the bridal gown of your client while you’re applying makeup. You will be covered for your legal expenses in case the client decides to make a claim.
Product Liability Insurance
This type of insurance can protect you in case your client suffered from an allergic reaction because of the products that you’ve used on them. It can pay for the legal costs as well as the medical expenses when something might go wrong. Even if you think that it rarely happens, but it can happen even when you are using the most quality products.
Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement if you employ staff in your company. It can cover any type of employee, whether they are temporary, part-time, full time, casual, or permanent. It can protect your company in case they file a claim against you due to an injury or an illness that they obtained while carrying out a job for you.
Just like any other types of artists, you can’t apply your skills if you don’t have the appropriate tools and equipment. Having the right tools, these trained professional makeup artists can create magic and turn the ordinary into an extraordinary. However, these tools do not come cheap and you cannot do your job if you don’t have them. That is why it is essential that you should include tools and equipment cover in your makeup artist insurance.
Most likely, your tools and equipment can be lost, stolen, or damaged in case you are doing a mobile service, or you are attending different types of events. For instance, if you left them unattended for a short period of time, then your tools might not be there anymore when you get back. You won’t be able to work with your clients if you lost your tools.
So, what should you do to get the best deal?
The most important thing you can do is to try to prevent these things from happening. Although, it is quite obvious that accidents and mistakes can happen but there are some things that you can do in order to minimize these risks.
Always keep your clients informed about the outcome and be sure that they agreed on it. Be honest with them, always tell them what can and can’t be done.
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