Makeup artist insurance provides liability protection for those professionals that use cosmetic techniques in order to help their clients look and feel their best. Makeup artists are adept at using cosmetic products to smooth out flaws and bring contrast to the eyes and lips against the rest of the skin’s tone. Because makeup artists employ a variety of products and utilize many different techniques requiring hands-on application, the situation is unfortunately ripe for a variety of different liabilities. 

A client could slip on their way to your chair and sue for injuries, they could be a professional model who claims that your services cost them a big modeling contract and files a claim against you for compensatory damages, or perhaps they simply have a bad reaction to a product you used and ask for you to cover their medical bills. 

Even experienced makeup artists with hundreds of successful client sessions under their belt can still find themselves facing a claim at some point in their career. Without the protection of a comprehensive makeup artist insurance policy, you could be left paying for these claims out-of-pocket.

Yes! Even the most trained and experienced makeup artists, exercising extreme care and caution are unfortunately still open to many different liabilities inherent to the business of providing cosmetic services. A client could have a bad allergic reaction and sue, your water cooler could leak and ruin the hardwood floors of the space you are renting, or any number of additional calamities could befall you and your business. For just $159 per year, members get the peace of mind knowing most any “what-if” that comes their way is covered by their comprehensive makeup artist insurance policy from Elite Beauty Society.

The best insurance for makeup artists includes a robust set of coverages, with affordable rates, great membership benefits, and excellent customer service before, during, and after claims are ever filed. Elite Beauty Society provides all of these for our members so they can focus on helping clients look their best, not about a future claim hampering their business.

Yes. We want you to be confident in your choice to partner with us so we present all of our plans side-by-side to the leading competitors in the industry. Here you can compare coverage options, price, and the different member benefits between companies so you can make the best decision for your unique situation. 

Liabilities often present themselves in absolutely unexpected places. Examples we’ve seen in the industry include:

• A client has an allergic reaction to a particular cosmetic makeup you use and demand you pay for their medical expenses. With Elite Beauty Society, this event would be covered under your Products Liability coverage. 

• A client is walking to your chair and trips over an extension cord, resulting in a fall that inflicts serious injuries. The client holds you responsible for their injuries. With EBS, this type of event would fall under the policy’s provisions for General Liability.

• A professional model has you do her makeup before a big photo shoot that would put her under contract. After a failed shoot, she blames your work for causing her to lose the contract and files against you for the damages. This example would fall under an EBS member’s Professional Liability provisions of their makeup insurance policy.

Even a claim that’s entirely frivolous can be incredibly costly to defend in court. Without purchasing comprehensive insurance coverage, you could be left paying these costs yourself.

For professional and general liability, our policies come with a $2 million per occurrence and a $3 million individual annual aggregate. Product Liability has a $2 million per occurrence limit. We also include $100,000 in rental damage protection, $1,000 in stolen equipment protection, and as a bonus to these limits also include a $25,000 identity protection plan.

Absolutely. Makeup is kind of a big deal to a makeup artist. If makeup equipment were to ever be stolen or damaged, Elite Beauty Society members enjoy $1,000 worth of coverage.

Quickly running down the major policy components, here’s how EBS stacks up to Insure Bodywork for makeup artist insurance policies:

• Both Elite Beauty Society and Insure Bodywork have general and professional liability provisions with limits of $2 million per occurrence and a $3 million individual annual aggregate. 

• EBS utilizes occurrence form policies whereas Insure Bodywork uses claims-made. The difference between the two is that with a claims-made policy, only claims filed while the policy is active are covered. With occurrence form, if you are a couple months beyond the expiration of your policy and a former client suddenly decides to file a claim, even though your policy has expired, you are still covered.

• Insure Bodywork provides a limit of $3 million per occurrence for product liability claims while EBS provides a limit of $2 million for this coverage.

• For rental damages, EBS will provide up to $100,000 and Insure Bodywork will provide $300,000.

• Insure Bodywork makes no provisions for Stolen Equipment while EBS gives members $1,000 worth of coverage with a $250 deductible. 

• Insure Bodywork offers no form of identity protection with their policies. In this day and age, EBS recognizes the necessity for this form of protection, so provides a $25,000 identity protection plan. 

Elite Beauty Society provides a comprehensive insurance policy for makeup artists, with scores of membership benefits all for the low annual rate of $169. The coverage is totally mobile wherever you practice and offered in all 50 states (NEXT is not). You can also purchase a two-year policy for $279.95, which presents a $38.05 savings. We also make an investment in future makeup artists be offering the same professional coverage options to students training to be makeup artists for the low annual rate of $25. Members can also elect to simply purchase a benefits-only plan to access all of our member benefits for just $39. Get insured today.

Absolutely! To ensure our members get a great return on the investment they make in us, in addition to robust insurance coverage, we provide a host of additional member benefits. We’ve partnered with some of the leading names in health and beauty to bring members exclusive discounts and early access deals on gear and accessories, provide a free, professional website to help launch your brand online, give members a Creative Age publication of their choice, and give access to business and professional content curated by veterans in the beauty field.