Makeup artist insurance
Whether up a bride, model or prom go-er, get business insurance that matches your brief. Customise your cover in under 10 minutes, including public and employers' liability.
What does makeup insurance cover?
Whether you’re painting high-fashion faces backstage or realising a bride’s vision for her wedding, it’s your job to deliver perfect looks with creativity and precision.
And while you’ll always do your best for anyone who's in the chair, sometimes accidents, injuries and allergies happen. Our business insurance is designed to cover the risks that are most likely to affect you through a custom-made policy that matches exactly what you need.
10% of beauty therapists, including makeup artists, paid £5 a month or less for their Superscript business insurance between January and March 2023.
- Choose from £1m, £2m, or £5m of public liability cover
- Optional employers' liability, personal accident and equipment cover
- Five-star customer service and claims support
- Get instant policy documents sent to your inbox
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
What insurance does a makeup artist need?
Whether you're freelance or have formed a limited company, you know your business best. That's why we let you choose only the cover you need to create a completely tailored policy. If you're not sure where to start, here are some recommended covers for makeup artists.
Public liability insurance
Public liability insurance protects you if someone gets injured or has their property damaged because of your work. The nature of your vocation means you're constantly working around people, so this is a popular cover for makeup artists – in fact, 99% of our makeup artist customers buy public liability cover.
Some claims that it covers include:
- A client developing an allergic to some foundation you've used
- You accidentally drop some eyeshadow, which stains a cream carpet that needs to be professionally cleaned
- One of your team accidentally pokes a client in the eye with an eyeliner brush
Employers' liability insurance
Whether it's an apprentice who's learning the ropes to a full makeup team for bigger events, if you employ people – no matter if they're full-time, part-time or temporary – you're legally required to have employers' liability cover in the UK.
It's there to protect the health and safety of your employees, so if they get injured or become ill as a result of your negligence and they make a claim against you, you could be liable. Employers' liability covers the legal and compensation costs associated with those claims.
Business equipment cover
From brushes and palettes to technology and tools, being a makeup artist requires a lot of – sometimes expensive – kit. If some equipment that you rely on to work, such as a phone, laptop or makeup gets damaged or breaks, business equipment insurance can cover the costs to repair or replace it, so you can get back to blending and contouring without missing a beat.
Personal accident cover
If you or one of your employees suffers from an accident that causes them to lose their sight, hearing, speech, a limb, death or leaving them disabled and permanently unable to work, personal accident cover will pay compensation.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Makeup artist insurance FAQs
The price of our makeup artist insurance will vary depending on a number of factors, including your turnover, whether you have any employees and the types of cover you need.
Our makeup artist insurance starts from £5 a month.
Yes, it doesn't matter if you're self-taught or professionally trained, you'll be covered with our makeup artist insurance.
Yes – whether it's in the UK or overseas, if you often travel to offer your services on location, your insured equipment will be covered in the UK and temporarily anywhere in the world.
Yes, it's easy to change your details, such as your business name, number of employees and turnover as well as adjust your level of cover in the online customer portal once you've started a policy with us.
Switching from being a sole trader to a limited company changes your legal structure, which may adjust your premiums. As we offer insurance that can be adjusted on a month-by-month basis, changing from sole trader to limited company is easy and we won't charge you for switching.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.