Permanent Makeup and Microblading Insurance
Why do permanent makeup artists need business insurance?
Cosmetic tattooing leaves a permanent mark, which makes insurance essential. If a scalp micropigmentation changes color over time, or a pigment causes an adverse reaction, the result could be a lawsuit. Permanent makeup insurance can protect against legal fees, medical bills, and other expenses.
Get same-day insurance
With Insureon, permanent cosmetic professionals can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of business insurance do permanent makeup artists need?
These insurance policies cover the most common risks of permanent cosmetics and microblading.
General liability insurance
General liability insurance covers basic third-party risks, such as a customer who has an allergic reaction to permanent eyeliner. Bundle it with commercial property insurance for savings in a BOP.
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for cosmetic tattoo artists to buy general liability coverage and commercial property insurance together.
- Customer bodily injuries
- Customer property damage
- Business property damage
Professional liability insurance
Professional liability coverage pays for legal costs related to work performance, such as a client who sues over poor lip liner results. It's also called errors and omissions insurance (E&O).
- Tattoo migration that leads to pigment removal
- Failure to produce promised results
- Accusations of negligence
Workers’ compensation insurance
Most states require workers' comp for permanent makeup clinics that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
Cyber insurance covers costs related to data breaches and cyberattacks. It's recommended for permanent makeup artists who handle credit card numbers and other personal information.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a permanent makeup business. Most states require this coverage for vehicles owned by a business.
- Property damage caused by your vehicle
- Legal costs from auto accidents
- Vehicle theft and vandalism
How much does cosmetology, personal care, and beauty insurance cost?
A clinic or salon with only a few workers will pay less for insurance than a larger company.
Factors that affect personal care insurance premiums include:
- Wellness and personal care services offered, such as waxing or facials
- Business property and equipment
- Business income
- Location
- Types of insurance purchased
- Policy limits and deductibles
How do I get permanent cosmetics insurance?
It's easy to get cosmetic tattoo insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your permanent makeup business, whether you work independently or hire employees.
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