Makeup Artist Liability Insurance
No Hassle. No Quotes. Immediate Insurance Coverage.
Excellent-rated liability insurance policies that cover beauty professionals for more than 500+ beauty and wellness services. Get A-rated coverage for just $179/year, in just five minutes.
Immediate Makeup Artist Insurance Coverage
Our online application takes 5 minutes, and you'll receive instant proof of makeup artist liability insurance upon checkout.
#1 Trusted Makeup Artist Liability Insurance
We have insured thousands of makeup artists and are backed by 5- star independent customer reviews.
Mobile Makeup Artist Coverage
Do you practice at more than one place? Don't worry, our coverage will protect you in all 50 states.
Policyholder Benefits
We are more than just makeup artist insurance; Elite Beauty Society has over $1,000 of policyholder perks tailored to the beauty industry.
Immediate Coverage
Our online application takes 5 minutes, and you'll receive instant proof of insurance upon checkout.
#1 Trusted Insurance
We have insured thousands of cosmetologists and are backed by 5- star independent customer reviews.
Mobile Coverage
Do you practice at more than one place? Don't worry, our coverage will protect in all 50 states.
Member Benefits
We are more than just cosmetology insurance, EBS has over $1,000 of member perks tailored to the beauty industry.
Affordable Liability Insurance Policies for Makeup Artists
Temporary makeup artist liability insurance coverage starts at just $49/year for students and $179/year for full-time makeup artists. At Elite Beauty Society, we know that your career comes first, and you work effortlessly to push your makeup artist career to grow. That is why we crafted different policy types to meet the flexibility that your budget needs.
See our rates below:
Two Year
Lock in a rate of $149 per year by purchasing our two year policy, with all the same benefits.
$
299
/year
One Year
Protect your yourself for a single year. Get comprehensive coverage at the most affordable rate.
$
179
/year
Student
Protect yourself in school & after. Buy a policy just before graduation for a full year of discounted coverage.
$
49
/year
Premier Professional Beauty Insurance You Can Trust
Trusted by Leading Companies
Rest assured you and your career are protected with Elite Beauty Society. We're A-Rated (Superior) and backed by Arthur J. Gallagher.
Top-Tier Financial Strength
Elite Beauty Society is backed by carriers rated A (Excellent) by AM Best—an independent global credit rating agency—ensuring reliable coverage and long-term financial stability.
BBB A+ Accreditation
Elite Beauty Society takes great pride in achieving an A+ accreditation from the Better Business Bureau. Trust is at the heart of our values, and we remain unwavering in our commitment to prioritizing our customer communities.
What Customers Are Saying
We are proud to have 5- star, excellent-rated customer reviews. We are dedicated to bettering our insurance and membership to meet the needs of all makeup artists.
Check out what some of our customers are saying below:
Thankfully never had to use it, but Elite Beauty is quick, easy, and affordable. I would recommend it to other beauty professionals.
Amy
EBS Customer
Definitely has made the process of getting insured easy to do. And I’m very impressed with how clearly they explain coverage so I understand what I’m getting, Highly recommend.
michelle
EBS Customer
Makeup Artist Insurance Highlights and Coverage
From bridal glam and soft natural looks to high-definition media work, temporary makeup artists need a safety net that prepares them for common risks like allergic reactions, client disputes, or unexpected accidents during appointments.
Makeup artist liability claims cost thousands—averaging over $5,000 per incident. Without the right protection, a single accident could put your finances and career at risk.
That’s why our makeup artist insurance policy safeguards every aspect of your work. Coverage includes general and professional liability, medical expenses, legal defense, and even lost wages, which covers you on-site, on set, or in your studio.
When you’re searching for makeup artist insurance, clear answers about makeup artist insurance costs, or a fixed liability insurance plan tailored to your needs, we make it simple and affordable to protect your future.
Makeup Artist Insurance Policy Details
Professional & General Liability:
$2 Million per occurrence
$3 Million per year
Personal Injury and Advertising Injury:
$2 Million
Identity Theft Protection:
$25,000
Professional liability insurance covers the unique risks tied to your work as a professional makeup artist. Sometimes referred to as makeup artist malpractice insurance, it protects you if something you do while applying makeup causes harm to a client. For example, if a customer experiences an allergic reaction to a product, develops a skin irritation after an application, or claims dissatisfaction with your services, professional liability coverage steps in. This helps cover medical expenses, legal fees, and defense costs—so you don’t have to pay out of pocket if a claim is filed.
On the other hand, general liability insurance covers risks that can occur in any makeup artistry environment. Think of it as slip-and-fall coverage, ideal for accidents like a client tripping over your kit, slipping in your studio, or being injured near your setup at a wedding or event. A general liability policy also provides protection against bodily injury claims, helping with medical expenses incurred as well as legal expenses.
Both professional liability insurance and general liability coverage are essential parts of a makeup artist liability insurance policy. Together, they provide comprehensive protection to safeguard your finances, your reputation, and your beauty career—keeping you covered whether you’re on set, in your studio, or traveling for clients.
In today’s digital world, having an online presence is essential for professional makeup artists. From sharing before-and-after photos on social media to managing client bookings and handling payments online, the makeup industry thrives in the digital space. But with that visibility comes the risk of identity theft. Hackers and online criminals can target anyone, putting your personal information and finances at risk.
That’s why Elite Beauty Society includes Identity Theft Protection with every makeup artist liability insurance policy. Unlike many other insurance providers, we make this safeguard a priority—helping you with up to $25,000 in coverage for identity theft incidents. With this protection, your makeup artist insurance policy keeps your career secure at every level—both in your studio and online.
What Kind of Insurance Does a Makeup Artist Need?
As an independent makeup artist, your clients trust you with their face, their skin, and in many cases, their most photographed moments. But even with steady hands and sanitized tools, common risks still exist when applying temporary make up. A client experiencing an allergic reaction, stumbling while getting into the chair, or claiming dissatisfaction with the results can quickly turn into legal fees and medical expenses. That is why makeup artist liability insurance is not just helpful, it is essential.
Liability insurance acts as a financial safety net, protecting you from out of pocket costs tied to accidents, injuries, or claims related to your work. With the right makeup artist insurance cover in place, you're able to focus on your craft without worrying about worst case scenarios.
At Elite Beauty Society, we offer insurance for makeup artists built specifically for independent professionals. Our plans include both general and professional liability, helping protect your makeup career whether you offer soft glam, full editorial looks, or work across multiple services in the beauty industry.
Examples of How Makeup Artist Insurance Can Protect You
Let's look at some examples of how makeup artist insurance could help protect you in the future:
- Example one: You are applying finishing powder to a client's makeup when they suddenly begin coughing and blame it on airborne particles. They later request compensation for a doctor visit. With professional liability coverage, your policy through Elite Beauty Society helps respond to claims involving personal care services and unexpected adverse reactions.
- Example two: Halfway through a long session under bright lights, a client feels light headed, slips as they stand, and sprains a wrist. They seek treatment and consider filing for third party injury, meaning they claim you were responsible for their fall. With general liability insurance through Elite Beauty Society, your insurer steps in and manages the claim, helping prevent it from turning into a full lawsuit or personal financial setback for your career.
Elite Beauty Society Member Perks
50% off your first 2 months of subscription to GlossGenius Gold:
#1 Scheduling and Booking Software for Beauty Professionals
Discounted Health Insurance Marketplace:
Receive discounted rates to ACA Health Insurance with Dental/ Vision Plans
Lifestyle & Travel Discounts:
Save on Hotels, Rental Cars, And Business Supplies
10% Off a Yearly Subscription to BTC University:
Access 600+ Hours in Continued Education
And, So Much More!
We are continually adding more member perks to better serve our community
Insurance Coverage for Makeup Artists
From weddings and red carpets to film sets and editorial shoots, our makeup artist liability insurance protects you across 500+ beauty services—suite, studio, on-location, or mobile.
Bridal & Event Makeup
- ✓ Bridal Trials & Wedding Day Applications
- ✓ Special Occasion & Prom Makeup
- ✓ Natural, Glam & Soft-Glam Looks
- ✓ Complexion Work (Priming, Foundation, Conceal/Correct)
- ✓ Highlight/Contour & Blush Placement
- ✓ Lip Design & Long-Wear Techniques
Editorial, Film/TV & SFX
- ✓ HD/Camera-Ready Makeup (Studio & On-Set)
- ✓ Airbrush Foundation & Detail Work
- ✓ Editorial/Creative Looks & Runway
- ✓ SFX Basics (Bruising, Aging, Minor Prosthetics)
- ✓ Tattoo Cover & Body Camouflage
- ✓ Male Grooming for Photo/Video
Lashes, Brows & Add-Ons
- ✓ Temporary Lash Application (Strip/Cluster; Non-Permanent)
- ✓ Brow Mapping, Fill-In & Styling (Non-Chemical)
- ✓ Eyeshadow, Liner & Lash Design
- ✓ Skincare Prep (Cleanse, Prime; Non-Invasive)
- ✓ Sanitation Protocols & Kit Hygiene
- ✓ On-Location & Mobile Appointments
Services must be performed within local/state regulations and your licensure/scope. Permanent makeup/microblading are listed separately.
Why You Need Makeup Artist Insurance to Protect Your Career
Whether you are working in a salon suite, offering mobile services, or running your own studio, purchasing a makeup artist insurance policy helps protect your career wherever you go.
Liability insurance provides peace of mind no matter where your work takes you. Understanding the basics of professional and general liability insurance helps you choose the best insurance for your makeup career. Below is a complete breakdown of everything you need to know about insurance for makeup artists.
Makeup Artist Insurance FAQs
Makeup artists typically need both professional liability insurance and general liability insurance. Professional liability protects you if a client claims your makeup services caused an allergic reaction or unsatisfactory results. General liability responds to third party injury claims, such as someone slipping near your setup. Together, they create a strong safety net for your makeup career.
Absolutely. Even though the professional services offered by makeup artists may seem low risk, every appointment involves tools and products that have caused injuries and reactions for clients. If you are renting a chair in a salon or studio, you are typically classified as an independent contractor and are not covered under the owner’s policy. The same applies if you work as a traveling artist inside private homes or venues. That is why it is important to have your own coverage in place for any claim that may arise while providing your services.
With a cosmetology liability insurance policy from Elite Beauty Society, you will have:
- $2 Million limit for both Professional Liability and General Liability claims, up to a 3 Million Annual Aggregate
- $2 Million in Personal Injury and Advertising Injury
- $25,000 in Identity Theft Protection
Claims made coverage only applies if both the incident and the claim happen while the policy is active. Occurrence form coverage protects you even after your policy expires as long as the incident took place during your active coverage period. Elite Beauty Society uses occurrence form coverage so your protection lasts longer without requiring you to act immediately.
Yes. For the low cost of just $49 for a full year of coverage, student policies offer a cost effective way to protect yourself while still in school. You also receive access to the same customer-only benefits as professional policyholders, which includes career-building tools, resources, and discounts to help you grow your future business.
Elite Beauty Society offers some of the best rates in the industry. You choose the plan that works best for your budget and career:
- One year policy is $179 per year, valid anywhere you provide services in the United States
- Our Two year policy is $299, which saves you $59 compared to purchasing two separate one year plans
Elite Beauty Society covers over 500 beauty and wellness services. This includes hair, skin treatments, nail services, and more. You can check our services covered page, if not then call or email to confirm.
Call 866.868.3360 or email info@elitebeautysociety.com
When you become a customer of Elite Beauty Society, you receive liability coverage plus access to exclusive perks. Policy holders gain entry to the resource center, which includes business guides, education tools, and eBooks. Elite Beauty Society partners with major industry names to offer discounts on software, insurance, and more. It is an affordable way to protect your career while gaining tools to grow it.
You will receive your certificate of insurance immediately after purchasing your cosmetology insurance. You will also get access to your policy holder portal where you're able to download your documents at any time.
The process for adding an additional insured is simple. Just fill out the request form provided by Elite Beauty Society and a representative will process it for you.
Get Your Insurance Guide eBook
Ensure a secure future for your beauty business! Download our Liability Insurance Ebook now for expert insights on coverage essentials and risk management. Don't let uncertainties affect your passion – empower yourself today!
Real-World Makeup Artist Liability Insurance Examples
See how makeup artist professional liability insurance protects you from everyday service risks—from bridal and on-set looks to airbrush applications and lash work.
Lash/Adhesive Allergy (Latex/Cyanoacrylate)
After strip-lash application, the client develops eyelid swelling and dermatitis. They allege lack of patch testing and improper aftercare guidance.
How You're Protected:
Professional liability can help cover claims tied to product selection, allergy/patch testing, application technique, and post-service instructions.
Eye Infection from Unsanitized Tools
A client develops conjunctivitis after a session. They claim poor hygiene with mascara wands/brushes and inadequate tool disinfection.
How You're Protected:
Professional liability addresses claims involving single-use disposables, brush cleaning, EPA-registered disinfectants, and sanitation logs.
Airbrush Overspray & Product Sensitivity
During airbrush foundation, the client experiences respiratory irritation and facial redness, alleging inadequate ventilation and failure to assess sensitivities.
How You're Protected:
Professional liability can respond to allegations around ventilation practices, distance/pressure settings, ingredient disclosures, and client consent.
Property Damage from Pigment/Kit Spill
A tipped setting spray and loose pigments stain a venue’s carpet and sofa during a bridal party schedule. The venue invoices for cleaning and replacement.
How You're Protected:
General liability helps cover third-party property damage and related costs for accidents not tied to a specific treatment injury.
Protect Your Makeup Career Today
For just $179/year, protect yourself from these real-world scenarios with makeup artist professional liability insurance. Join thousands of beauty pros who trust Elite Beauty Society.
Get Protected Now| Associated Hair Professionals | Next Beauty Insurance | Elite Beauty Society | Hands on Trade Association | Beauty & Bodywork Insurance | |
|---|---|---|---|---|---|
| Professional & General Liability Included? | |||||
| Personal and Advertising Injury Included? | |||||
| Identity Theft Protection Included? | $$$Add'tl Cost | ||||
| Health, Dental & Vision Coverage Access Included? | |||||
| Includes Member Benefits? | |||||
| Coverage in 50 States? | |||||
| Price | $199 | At a Quote | $179 | $185 | $96 |