Makeup Artist Insurance
More Affordable. More Coverage.
For Every Stage of Your Beauty Career.
Save $10 with this first year introductory rate and take advantage of everything we have to offer.
$169 $159 / YR
Lock in a rate of $139 per year, By purchasing our two year policy, with all the same benefits.
$279.95 / YR
PROTECT YOURSELF IN SCHOOL & AFTER. BUY A POLICY JUST BEFORE GRADUATION FOR A FULL YEAR OF DISCOUNTED COVERAGE.
$25 / YR
Representatives available M-F from 8:30-8:30 ET, plus weekend hours!
Most affordable, comprehensive, and
Fast checkout process
& immediate certificate.
Or Call 800.326.5566 To Talk To A Live, U.S. Based, Customer Service Representative
Makeup Artist Insurance Coverage Highlights
Additional Member Benefits Included At No Cost
Program tailored to beauty professionals.
A FREE Customizable Website
Industry Product & Tool Discounts
FREE Subscription to a Creative Age Publication
From event makeup and stage makeup, to lash extensions, makeup artists offer multiple services to support their clients.
When you purchase makeup artist insurance from Elite Beauty Insurance, you can be sure you are covered for
350+ modalities & services for one, low price.
Whether you are working in a rented space, or work as an employee, or are at an event, Elite Beauty Insurance has you and your license covered.
Just a Few of the Reasons We're the
Number One Makeup Artist Insurance Choice
We Offer The Industry-Preferred Type of Coverage
Elite Beauty Society offers the industry-preferred Occurrence Form liability coverage and individual aggregate limits that protect you from any claims that may arise. Combined with our high insurance limits and superior customer service, our makeup artist insurance gives you the peace of mind that you are fully protected and if anything does happen, we've got your back.
Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer Occurrence Form so that our customers can rest easy knowing they're protected even if their clients delay making a claim. Even if your makeup artist insurance coverage has lapsed, you're covered and your license is protected as long as the incident occurred while your policy was active.
Instant Coverage, Immediate Certificate
Don't wait around for approvals or worry about providing education hours. Our policies are bound in minutes and you can immediately download a digital proof of coverage certificate from your member portal. Our online application takes less than 5 minutes, so you can get back to what you're best at faster.
Individual Annual Aggregate
We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured beauty professional will have their own coverage, and the claims that others make will not affect the individual coverage amount available. This is unlike shared limits where the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.
You Deserve More Than Numbers
Policy numbers aren't everything. You deserve an insurance company that's going to be there for you when you need it and policy numbers that translate into real assistance for you. With us you can rest easy, because if the worst happens your policy limits include dedicated help from our licensed customer care team, legal defense if needed, and the cost of the claim.
What Services Do We Cover?
We offer coverage for more than 350 beauty and wellness services.
High Quality Service – Lowest Price, With No Hidden Fees
Your makeup artist liability insurance policy protects you and your practice. Elite Beauty Society provides perks and benefits that other liability insurance companies just don’t offer.
When shopping for professional beauty liability insurance, price can be a major deciding factor. But, does more expensive really mean more benefits and coverage? With other competitors, membership fees are required in order to obtain liability insurance. With Elite Beauty Insurance, no membership fees are required to become insured, and you receive all of the benefits and comprehensive coverage limits without any extra or hidden fees.
Still Have Questions?
Our live customer service representatives are available 8:30 a.m. to 5:30 p.m. EST. We want to be sure you feel confident, so we have an after-hours line, too! If you need to update your policy information or have any questions about our program, simply email firstname.lastname@example.org or call us at 1800.326.5566
Makeup Artist Insurance FAQs
What is makeup artist insurance?
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.
Do I really need insurance as a makeup artist?
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.
What’s the best insurance for makeup artists?
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.
Where can I get freelance makeup artist insurance?
Elite Beauty Society offers makeup insurance to however you choose to professionally provide services but we do require that applicants have the appropriate licensure required of their chosen locale. From mobile salon owners, to private event artists, and self-employed freelancers, EBS has you covered with comprehensive beauty insurance policies.
Does EBS include a makeup artist insurance comparison?
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.
What are some examples of liabilities a makeup artist will face?
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.
What kind of coverage limits does Elite Beauty Society include on their makeup artist insurance policies?
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.
How do I compare makeup artist insurance?
When comparing makeup artist insurance companies, there are a few key provisions you should look for in a policy. For starters, the policy needs to include strong coverage limits for general and professional liability. Elite Beauty Society includes a $2 million per occurrence and $3 million annual individual aggregate with our makeup artist policies.
As well, policies should include additional protections for things like product liability, rental damage, stolen equipment, and even identity theft protection. Elite Beauty Society includes all of these coverages so that our members can focus on what they do best, not worrying over the what-ifs of a future claim.
As an additional consideration, most insurance companies will include at least a few member benefits so be sure to compare what freebies you’ll score. With EBS, we include a multitude of discounts and early access deals from some of the best names in health and wellness, in addition to, a free, professional website, a subscription to Creative Age, business resources, and exclusive content.
Is it illegal to do makeup without a license?
Yes, many states require makeup artists to have completed the necessary steps for licensing before conducting services. Since the application for makeup may be performed within many different services, licensing is usually included as a subset of broader modalities like cosmetology or aesthetics. There will more than likely also be requirements for operating a business in the local jurisdiction where you plan to operate such as a local business tax receipt and business registration. Always be sure to check your state board’s website before launching into providing services to clients.
Can you insure your makeup?
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.
Where can I see makeup artist insurance reviews?
A great resource for seeing what verified customers say about a given insurance company is an independent third-party review platform called TrustPilot. Elite Beauty Society utilizes TrustPilot to give makeup artists the chance to read unbiased reviews of the services we provide, so they can make an educated purchasing decision. The world wide web is full of sites that offer reviews that have turned out to be from owners, or conversely competitors, to artificially influence a review rating. Always be wary of the reviews for any insurance company that doesn’t utilize TrustPilot.
How does Elite Beauty Society compare to Insure Bodywork?
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.
What are makeup artist insurance prices near me?
Elite Beauty Society provides a comprehensive insurance policy for makeup artists, with scores of membership benefits all for the low annual rate of $159. 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.
Does Elite Beauty Society offer any member benefits for makeup artist insurance?
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.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, members of which are also members of Protection Plan Association, Inc. The Identity Arthur J. Gallagher Risk Management Services, Inc. is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer.
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