ASCP members who have received training or a license in pigment techniques are eligible for permanent makeup insurance. These pigment processes include lip blushing, eyeliner, ombre powder brow, microblading, and permanent makeup. This coverage offers affordable liability coverage for permanent makeup artists, regardless of their status as independent professionals or salon owners with multiple services.
This liability coverage covers several permanent makeup services and is quite easy to get. Professional and general liability insurance coverage specifically designed for the permanent makeup industry is known as permanent liability insurance. It covers issues like slip and fall accidents to clients, lawsuits, damages to the place of work, and many others. With this coverage, permanent makeup artists can protect their business investments as well as themselves.
What Permanent Makeup Insurance Covers
As previously stated, permanent makeup insurance offers coverage for several permanent makeup services. These services include:
- Powder brows.
- Permanent lip.
- Microblading.
- Permanent eyeliner.
- Beauty marks.
- Other permanent cosmetics.
This insurance provides tattoo coverage for permanent makeup artists, offering customizable coverage for multiple services to manage all business needs in one policy.
Permanent Makeup Insurance Coverage
While this insurance covers several services, it comes with different types of coverage professionals can select from for their businesses. These coverage types include:
- Product-completed operations coverage.
- Third-party medical expenses coverage.
- Defense costs coverage.
- Professional and general liability coverage.
- Damage to rented workspace coverage.
- Advertising and personal injury coverage.
From several insurance companies that offer permanent makeup insurance, these coverages are available at affordable costs.
How Much Does Permanent Makeup Coverage Cost?
Just like other liability insurance policies, there are several factors used in determining how much permanent makeup insurance coverage costs. These factors include:
- Your number of your clients.
- Size of business.
- Number of employees.
- Type of coverage you prefer.
Most insurance companies have other factors they use in determining how much this insurance would cost. How well these considered factors are determines how much risk your business poses as well as how much insurance you need.
Who Needs Permanent Makeup Insurance?
Whether clinic or freelancing owners, it is important to get this insurance coverage for your business. The following are some of the businesses that need this insurance coverage:
- Freelancing microblading professionals.
- Eyebrow/eyelash technicians.
- Permanent makeup professionals.
- Microblading clinic owners.
- Laser hair removal technicians.
- Tattoo professionals.
Irrespective of which of the following businesses you fall under, you may need permanent makeup insurance coverage for your business.
Why Does My Business Need Permanent Makeup Coverage?
For instance, if a customer is displeased with the services your business renders, this customer may decide to file a lawsuit against your business. Situations like this can cause financial setbacks for both you and your business. In cases where you have this insurance coverage, you may not have to pay off these situations out of pocket. However, this insurance coverage covers settlement costs as well as other related fines. If you don’t have this coverage, you may lose your business and get yourself financially and legally in trouble.
How Do I Know if Permanent Makeup Coverage Is Best for Me?
In some cases, your business may not need this insurance coverage. However, using the following questions, you can determine whether or not this insurance is best for you and your business:
- Do I render permanent makeup within the mandated scope of practice by the state where my business is located?
- Do I have evidence that I took training in permanent makeup?
- What type of coverage does my business need?
Using these questions, you can determine whether or not this insurance coverage is best for you and your business.
As a licensed permanent makeup artist, am I eligible for permanent makeup insurance?
You may be eligible for permanent makeup insurance, depending on your state’s rules and regulations. This insurance is eligible for individuals with a cosmetology license and business operations within their state’s scope of practice. To get more insights on this, you need to check with your state’s laws as well as insurance professionals.
Is Microblading Covered by Permanent Makeup Coverage?
Irrespective of whether you render microblading services only or other permanent makeup services, this coverage offers coverage for it. To ensure coverage for your business, simply list all services it provides on your insurance application. However, if you intend to add microblading to your existing coverage, it will be $0 cost and added to your permanent makeup coverage.
