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Make-up artist insurance

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  • Personalise your insurance - you choose what cover goes into your policy, so you only pay for what you need.
  • Whether you work from home, at a salon, at your clients’ premises or backstage at events, we’ll cover all your places of work under one policy.
  • No admin fees if you need to amend your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.

    Over 18s, subject to eligibility.

Apply the right make-up artist insurance to your business

One of the best things about being a make-up artist is working with different people and helping them to feel good about themselves. Whether your client is a bride-to-be, a student getting ready for prom or a model taking part in a photoshoot, you get to play a part in some of the most special moments in people’s lives.

While it’s exciting, this type of work also comes with its own set of risks. If a client has an allergic reaction to one of your products or if you accidentally stain their clothes, they might make a claim against you. So, it’s important to have the right cover in place.

Refine your make-up artist insurance

We understand that not all make-up artists operate in the same way. If you own a salon, for example, you’ll need different cover to a mobile make-up artist.

That’s why we let you personalise your insurance. You choose the covers that go into your policy and your cover limits. This means you can tailor your insurance to meet your budget and you won’t have to pay for cover you don’t need. See what cover you can include in your policy below.

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or call us on 0345 878 5606

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Our standard cover

  • Public liability

    If you or one of your employees accidentally damages a client’s property, for example if you spill make-up on someone’s bag and cause a permanent stain, public liability insurance will cover any legal or compensation claims you are liable to pay.

    Public liability insurance also covers you if a member of the public is injured at your place of work. For example, if your client slips on a wet floor at your salon and sprains their ankle.

  • Treatments liability

    Treatments liability insurance covers you if a member of the public becomes ill or is injured because of a treatment you have performed on them.

    The treatments we cover, as standard, include:

    • Make-up application
    • Eyebrow plucking, shaping, threading and tinting
    • Eyelash curling, perming, tinting and eyelash extensions
    • Face & body painting, including henna art and su-do body art

    For an additional premium, you can also add other beauty treatments to your policy, if required. Other treatments we cover include:

    • Face masks
    • Hair removal
    • Manicure and pedicure

    We do not cover the following treatments:

    • Semi-permanent pigmentation or semi-permanent makeup

    Find out more about the treatments we can cover you for here.

Make-Up Artists Insurance – cover options

  • Employers' liability

    In most cases, employers’ liability insurance is mandatory if you hire staff. If any of your employees becomes ill or injured due to the work they do for you, employers’ liability will cover any claims made.

  • Contents and stock

    Cover your business essentials - like your makeup, brushes, beauty products and equipment - against theft, loss and damage with our contents and stock cover.

    If you work from home, you can also choose to insure your household contents under the same policy.

  • Seasonal increases for stock

    If you take out cover for your stock, you will be given the option to increase your cover by 25% for two months of your choice, at no extra cost. This is in addition to the automatic cover provided 15 days either side of each bank holiday.

  • Property away

    You also have the option to insure goods in transit. This means that when you’re carrying expensive items, like your make-up, brushes, lashes and other accessories and equipment, from one venue to another, you’re covered should they get stolen or damaged due to an insured event. We’ll pay for the cost of replacing the items that are essential to your work to ensure minimum disruption to your business.

  • Premises cover

    Premises cover is important for make-up artists who are based at home or own a salon. If there is an insured event such as a flood or fire at your premises and the building is damaged, our cover will pay for the costs of reinstatement or repairs.

  • Business interruption

    Our business interruption insurance will cover you for reduced turnover if an insured peril, e.g. a fire or flood, damages your stock, equipment or premises, preventing you from trading.

  • Theft of takings

    If your business handles cash and cheques, this policy will cover you in case of theft. This includes business takings stolen from you or anyone working for you.

  • Legal expenses

    Legal expenses insurance covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients.

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

Get a quote
or call us on 0345 878 5606

Learn more about make-up artist insurance at Direct Line for Business

Move around visiting your clients?

For many make-up artists, each day means a new client and a new location. Luckily, with Direct Line for Business, you don’t have to worry about taking out different policies for your different places of work.

If you work at multiple locations, for example if you rent a space in a beauty salon, work from home and at your clients’ premises, you’ll be able to cover all these places under one policy, keeping your admin to a minimum.

Face painting insurance

Although we don’t offer face painting insurance as a stand-alone policy, we can cover face painting within our make-up artist insurance policy, as long as you also offer other treatments. When creating your quote, you will need to specify that face painting is one of the services you offer.

Am I eligible for Direct Line for Business make-up artist insurance?

To be eligible to take out a make-up artist insurance policy with us, you must hold the relevant qualifications for your profession. Any employees not holding relevant qualifications must be supervised at all times.

Get a quote
or call us on 0345 878 5606

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How can we help?

Get a quote, talk to us via live chat or call us on
0345 878 5606.

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Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you’ve chosen to cover.

Below is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.