Makeup Artist Insurance

small business owner protected by makeup artist insurance

Makeup Artist Insurance Made For You

From flawless bridal looks to high-fashion transformations, we know you’re passionate about bringing beauty to life. But your work has unique risks. With makeup insurance, you can have peace of mind knowing you’re better prepared for whatever comes your way.
 
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small business owner protected by makeup artist insurance

Why Do You Need Makeup Artist Insurance?

Working with your clients to make them look and feel their best is rewarding, but it also means you face risks every day. Without business insurance, you may have to pay for claims out of pocket. This can be costly and disrupt your business.
small business protected by makeup insurance

Who Needs Makeup Artist Insurance?

small business owner protected by insurance for makeup artists

What Type of Insurance Do I Need for a Makeup Artistry Business?

To protect their makeup business, many artists have a Business Owner’s Policy (BOP). This is a good starting point for an insurance plan because it helps protect your business from bodily injury and property damage claims.
A BOP combines three essential types of coverage most artists need into a single policy:
 
  • General liability insurance to help protect your makeup artist business from claims it caused bodily injury or property damage to someone else’s belongings.
  • Business income insurance to help replace your lost income if you can’t operate because of property damage caused by fire, theft or wind.
  • Commercial property insurance to help protect your owned or rented building, brushes, tweezers, sprays, cleaners, inventory and supplies that you use to operate.
Depending on your specific business risks, you’ll likely need to get other types of coverage to get more protection. These can include:
 
We make it easy for you to get other types of coverage in addition to your BOP. Our specialists can also work with you to better understand your needs and the risks you face.
 
 

How Much Does Makeup Artist Insurance Cost?

Because every business owner has unique needs, the cost of makeup insurance varies. Here are the average costs that The Hartford’s small business customers pay for some common types of coverage:1
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
The best way to find out how much your makeup artist insurance will cost is to get a quote.
business owner protected by makeup artist liability insurance

Here for You, 24/7

Get your proof of insurance online whenever you need it. We’ve made it easy to get your certificate online.

Covering Your Operations

We know you work hard to run your business perfectly, but unexpected accidents can happen. Makeup artist liability insurance can help protect your business, so you don’t have to worry about the financial impacts of claims.
Slip-and-fall settlements range between $10,000 and $50,000 on average.2
General Liability Insurance for makeup artists

General Liability Insurance

“A client slipped on some facial oil that had spilled on the floor. She ended up spraining her ankle and needed to go to the hospital.”
 
General liability insurance helps cover claims that your business hurt someone else. It can help pay their medical bills and treatment costs. It can also help cover your legal expenses if you get sued.
business income insurance for makeup artists

Business Income Protection

“We had an electrical fire that ended up destroying our inventory. I couldn’t meet with clients until we were fully restocked.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if your business can’t operate temporarily due to covered property damage.

Taking Care of Your Team

Your employees’ safety is an important part of protecting your business. With makeup artist insurance, you can help protect your employees from the risks they face every day.
There were approximately 3 million workplace injuries in the U.S. in 2022.3
workers' compensation Insurance for makeup artists

Workers’ Compensation Insurance

“One of my makeup artists developed chronic back pain from constantly bending over to apply our clients’ makeup. She needed time off to recuperate.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto Insurance for makeup artists

Commercial Auto Insurance

“A team member was driving to a wedding venue to do the makeup for a bridal party when they were side swiped by another car.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if one of your employees gets into an accident while driving a company vehicle for work.

Protecting Your Property

Your tools and products are the foundation of your craft and protecting them is crucial. That’s why it’s essential to have the right type of insurance for makeup artists.
Only 5% of small business retailers report never experiencing theft.4
commercial property coverage for makesup artists

Commercial Property Insurance

“Someone broke into my studio and stole my makeup supplies and inventory.”
 
Commercial property insurance helps protect the inventory and supplies you use to operate your makeup business.
Product Liability Insurance for makeup artists

Product Liability Insurance

“A customer had a severe allergic reaction to a face mask I used. She ended up needing an epinephrine shot.”
 
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else’s belongings.

Makeup Artist Insurance You Can Count On

The Hartford has more than 200 years of experience protecting small businesses just like yours. We’re proud to not only know the unique risks you face as a makeup artist but also to provide insurance options made for your business. Whether you have questions about coverage or need help with a claim, we’re here for you.
 
Find out more about other personal care professions we insure:
 

Frequently Asked Questions About Makeup Artist Insurance

Makeup artist coverage helps protect your business from claims that your company caused bodily injury, illness or property damage. For example, if a client has an adverse reaction to a product you use or an employee gets injured while working, your insurance can help cover medical expenses and potential legal costs. You can also get other types of coverage to help protect your vehicles and equipment, such as makeup brushes, mirrors and furniture used for work.
Your makeup business needs insurance because it helps protect you from common risks that come up during everyday operations. Without makeup artist insurance, you’d have to pay out of pocket for costly claims. In some cases, an employee lawsuit or customer claim could be financially devastating to your business. In addition, some states may require you to carry certain types of business insurance. So, it’s important to make sure your makeup business is compliant.
The best way to get makeup artist insurance from The Hartford is to get a quote. We make it easy for you to get a quote online. In just a few clicks, you can get an insurance plan unique to your makeup business.
small business owner protected by freelance makeup artist insurance

Protect Your Business With Makeup Artist Insurance

Get the coverage you need to protect your makeup business with a trusted insurance company like The Hartford.
 
Quote Today
 
 
Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Forbes, “Slip and Fall Lawsuit Guide 2024”
 
3 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2022”
 
4 Forbes, “The Impact of Retail Theft on Small Businesses and States”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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