Public Liability Insurance for Makeup Artists

Cover against claims made against you in the event of any accidents you cause that result in property damage or personal injury.

Public Liability Insurance for Makeup Artists

Cover against claims made against you in the event of any accidents you cause that result in property damage or personal injury.

As a makeup artist, your canvas is the human face and your interactions are intimate and personal.

While your primary focus is on enhancing beauty, there's always the potential for unexpected incidents. Whether it's an accidental spill on a client's designer outfit or a slip on a loose brush, Public Liability Insurance provides cover so that these unforeseen moments don't tarnish your reputation or finances.

Shield icon

What is Public Liability Insurance?

Public Liability Insurance protects makeup artists against claims made by clients or third parties for injuries or property damage that might occur during makeup sessions.

Whether you're working in a bustling studio, a client's home or a backstage setting, Public Liability insurance can help you stay protected against claims from third parties.

Why Makeup Artists Need Public Liability Insurance

While public liability insurance isn’t a legal requirement, makeup artists should consider protection against certain risks associated with their work. These risks include:

Intimate client interactions

Your work requires close proximity to clients. If a client has an unexpected reaction or feels discomfort during a session, it may lead to a claim for compensation.

Varied work environments

From bridal preparations in hotels to backstage touch-ups at fashion shows, the varied settings you work in can increase the risk of accidents or third-party property damage.

Protecting your reputation

In the beauty industry, your reputation is everything. Addressing any claims promptly and professionally means you maintain trust with your clients, industry contacts and peers.

Financial security and peace of mind

Defending liability claims can be costly. Beyond potential compensation, there are legal fees to consider. Public Liability insurance can provide cover so that such costs don't disrupt your business or drain your finances.

Why Choose Mode Insurance?

In the world of makeup artistry, precision, trust and reputation are paramount.

At Mode Insurance, we understand the unique challenges and pressures of your profession. Our tailored policies mean that every client interaction, every brush stroke and every transformation can be covered with utmost care. With Mode Insurance, you're not just getting Public Liability insurance - you're gaining a partner who understands the art and intricacies of your craft.

Insurance to suit you

hex-photo-1

Up to £50k equipment cover

Insure the tools of your trade, as well as hired-in equipment.

Project-by-project Public Liability insurance

Get PLI for £84 a year or choose a shorter term to suit you.

hex-photo-2
hex-photo-3

Be covered for contract disputes

Protect your reputation with Professional Indemnity insurance.

What Other Insurance Should Makeup Artists Consider?

As well as Public Liability insurance, freelance and self-employed makeup artists might also need:

Equipment Insurance

Protect all of your makeup kit against accidental damage, loss or theft. Your kit can be one of the most important things you need to do your job so making sure it is covered is crucial.

We provide up to £50k of technical/portable equipment cover, so if anything happens to your essential equipment you can quickly get it repaired or replaced with minimum downtime to your business.

At Mode Insurance, we can provide equipment cover from £56 annually including Insurance Premium Tax (IPT).

Professional Indemnity Insurance

Professional indemnity insurance can protect you against claims of negligence, errors or omissions in the services you provide.

Whether a client alleges that a missed deadline caused a loss, or claims dissatisfaction with the final look, Professional Indemnity insurance can help protect you from potential financial and reputational setbacks.

Employers’ Liability Insurance

If you employ anyone then you are legally required to have at least £5m of Employers’ Liability cover in place, but most insurers will provide £10m as standard.

This can protect against claims from employees related to injuries or illnesses sustained while working for you.

What treatment does my Makeup Artist Insurance policy cover?

Your policy will cover you to provide the following treatments:

  • Application of cosmetic makeup
  • Facials (other than those involving botulinum toxin treatment, electrolysis, chemical peeling, laser treatment or piercing of the skin)
  • Manicures
  • Pedicures
  • Waxing treatments
  • Spray tanning treatments
  • Hair dressing
  • Ear piercing

For any beauty treatments that go beyond basic makeup application or hair work (like cutting or styling), a qualified professional must either carry them out or oversee them. This means someone with the right qualifications and experience needs to be in charge to ensure safety and standards.

Hygiene and Safety Standards

All treatments must meet strict hygiene standards. This is crucial to keep your clients safe and to comply with health regulations.

Manufacturer's Instructions

When using chemicals or materials, you must follow the manufacturer’s guidelines. This helps prevent mishaps due to improper use.

Ear Piercing

Ear-piercing needles must be used just once. This is a non-negotiable rule to prevent any risk of infection.

Cover Limit

The maximum payout for claims related to beauty treatments is £100,000. This is the total amount the policy will pay out, no matter the situation, and it does not affect your overall indemnity limit.

Who is the definition of a 'Qualified Person'?

A 'Qualified Person' in this context is someone who is at least 18 years old, has a minimum of two years of continuous professional experience, and has the appropriate certificates or qualifications for the treatments they provide.

Choose your cover and start your quote now

ico-shield-check

Public Liability insurance from £84 a year for £1m cover

Or choose your own cover limit of £2m, £3m or £5m.

ico-shield-check

Up to £50k all-risk technical and portable equipment cover

Covered in the UK & EU as standard or increase cover to worldwide.

ico-shield-check

Professional Indemnity - be covered for contract disputes

Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.

ico-shield-check

Up to £50k cover for equipment that doesn’t leave your property

Protect the contents of your business and other technical equipment that doesn’t leave your property.

ico-shield-check

Employers’ Liability cover for up to 3 PAYE employees

Our Employers’ Liability cover provides £10,000,000 of cover.

Public Liability Insurance for Makeup Artists FAQs

Below we have listed the most common questions we get from self-employed creatives about Public Liability insurance. For more information, read our guide: Public Liability Insurance: Everything You Need to Know

FAQs icon

Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

FAQs icon

How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

FAQs icon

How to get Public Liability insurance?

With Mode Insurance you can get a quote and buy your cover online in a matter of minutes. Start your quote now.

FAQs icon

Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

FAQs icon

Is Public Liability insurance tax deductible?

Yes, Public Liability insurance is typically tax deductible as a business expense. This means the cost can be offset against your business's taxable profits.

It is important to remember that most insurance policies are not subject to VAT as Insurance Premium Tax (IPT) is applied.

We recommend speaking to your accountant about this if you have more questions.

FAQs icon

Does Public Liability insurance cover damage to a client's property?

Yes, Public Liability insurance typically covers accidental damage to a client's property caused by your business activities, offering financial protection against such claims.

Some exclusions do apply so we always recommend you check your policy documents for more information.

FAQs icon

What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

FAQs icon

Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

FAQs icon

Can you get Public Liability insurance for a month?

Yes, it is possible to get Public Liability insurance for one month if that is all you need cover for. However, at this length of time it’s also worth checking to see if it is more cost-effective to purchase a yearly policy – especially if you think you may need several temporary policies over the course of a year.

FAQs icon

What is the minimum Public Liability insurance in the UK?

In the UK there is no legally mandated minimum level for Public Liability insurance. Depending on where you work and if someone is asking for you to have insurance in place, £5,000,000 is usually a widely accepted amount.

Some large venues like sports stadiums, arenas, conference buildings and other large-scale venues may require you to have £10,000,000 of cover in place.

FAQs icon

What happens if I don't have Public Liability insurance?

Without Public Liability insurance, you could be financially responsible for any claims made against you for injuries or damages caused during your event or business activities.

A claim could be brought against you for compensation and the costs and expenses someone has incurred. This can lead to significant financial strain, especially if the claims are substantial.

FAQs icon

Is Public Liability insurance mandatory for events in the UK?

While not legally mandatory, many venues and organisations may require you to have public liability insurance to attend and work at the event, as it can protect against claims for injuries or damages occurring on the premises.