Monday, May 18, 2015

Liability Insurance for Makeup Artist

We all hear about blending, what makeup brushes to use, how to market your business, but rarely do we hear about liability insurance. Some of you might have never heard of it or have no idea what insurance has to do with being a makeup artist.

What is liability insurance? Liability insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. As a small business owner, you need some form of general liability insurance to safeguard your livelihood. A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against this type of situation is to make sure you carry enough general liability insurance. Some employers, salons, or even wedding venues might also require you to carry a certain amount of general liability insurance before you can work for them.

Having liability insurance enhances your professional reputation, protects you while you earn a living and gives peace of mind to both you and your clients. Insurance protection is a crucial part of your practice that shields you from claims that can leave you vulnerable to a lawsuit. 

So where can you find general liability insurance? I know many makeup artist that have used Hands on Trade Insurance. They are established 2000 and their president has over 30yrs of educating in the massage industry. They specialize in providing insurance to massage therapist, cosmetologist, estheticians, yoga, energy workers, nail technicians and more. For $155/yr you can be covered up to 2 million dollars for malpractice, slip and fall, product liability, and 100K in premises insurance coverage. If you are a student it is only $75/year and you get a free upgrade once you are a licensed professional. I like this company because it's created especially for hands on services like ours.

If you already have insurance with Progressive, they also sell general liability insurance for businesses and contractors. Try asking your insurance carrier if they offer general liability insurance for contractors? 

Click here to see my full list of mua insurance providers

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