Anyone who has ever used makeup professionally knows how expensive it can be! Whether you’re creating looks for red carpet events or paying for your own supplies, the costs of being a makeup artist add up quickly. Makeup artist insurance can help protect you from these added expenses with coverage against everything from damaged product to theft to general liability—and more! We’ve compiled everything you need to know about makeup artist insurance in one place so that you can get started on protecting your business today.
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What Is Makeup Artist Insurance
Sometimes known as professional liability insurance, makeup artist insurance is an important coverage for those who earn their living in front of a camera. If you’re a freelance makeup artist or have recently started your own salon business, it’s in your best interest to find out what kinds of insurance you need and why. In short, photography and filming can be a hazardous job. If anyone gets hurt or sues you because they are somehow injured while on set, then professional liability insurance is necessary so that people will be protected from damages caused by your work or negligence. Errors and omissions is one coverage often included in makeup artist insurance policies.
Who needs it
As an independent contractor, it’s your responsibility to purchase any type of insurance you think you might need. Like most artists who work independently, however, I didn’t know what kind of coverage I needed until a client sued me after a photo shoot gone wrong. When my lawyer told me how much it would cost just to get started on a defense, I was shocked: What?! I exclaimed. It costs more money just to say ‘not guilty’ than it does for somebody who is actually innocent? And I have no idea if there will even be anything in dispute at all!
How much does it cost
There are many options out there when it comes to makeup artist insurance, and some are much better than others. One company’s plan might have a $250 deductible and an annual premium of $600, while another has a $25 deductible and an annual premium of $450. These variables also depend on what type of artist you are. Someone who makes a living from their work can pay more for insurance since they will use it more often; for example, a freelancer or makeup artist for movie sets may be able to pay more because that kind of work is far less frequent but pays quite well. The most important factor in terms of cost is your claims history.
Everything You Should Know About Mobile Salon Insurance
You’ve decided to start your own mobile hair styling business, and you’re off to a good start. But don’t forget about one important step — getting the right makeup artist insurance! A quality policy can protect you from everything from theft and vandalism to errors and omissions, so it’s an essential part of your business startup checklist. In this guide, we’ll discuss everything you need to know about mobile salon insurance, including why it’s necessary, what types of coverage you should buy, and more. Let’s get started!
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Why you need it
When you’re a mobile artist, you don’t have a regular 9-to-5. This means that accidents can happen outside of your scheduled business hours—which is exactly why mobile salon insurance is so important. A lot of artists also forget to insure their tools and equipment, which poses an even bigger risk. We’ve got some other tips on how to protect yourself as well!
How much does it cost
The mobile salon insurance cost will vary depending on your business and equipment. If you’re still figuring out what type of mobile services you’ll be offering, however, it might make sense to start small. In our experience, salon insurance doesn’t need to be overly expensive; a lot of people think it should be because we value our businesses but it doesn’t have to be that way. There are a number of options for lower-cost insurance policies that can get you up and running—at least initially—while still protecting your clients and yourself.