Permanent makeup artists face unique risks because their services involve procedures that penetrate the skin. Clients may experience allergic reactions, infections, or other complications that could lead to liability claims. There are also everyday business risks to consider, such as a client slipping and falling in your studio or equipment being stolen or damaged
The right insurance can help protect your business when something goes wrong. Permanent makeup artists should look for coverage designed for the services they actually provide.
What Types of Insurance Should a Permanent Makeup Artist Consider?
A permanent makeup artist may need several types of coverage. The right combination depends on your services, business location, property, and whether you work alone or with other artists.
Our Cosmetic Tattoo Insurance and Microblading Insurance program offers several options, including:
- General liability insurance
- Professional liability insurance
- Abusive acts liability
- Property coverage
- Coverage for off-site work
- Coverage for independent contractors
Artists can select coverage options individually, making it easier to build a policy around how their business operates.
Why Is Professional Liability Insurance Important?
Professional liability insurance is especially important for permanent makeup artists because it can help cover claims related to the services they provide.
A client might claim that a procedure caused scarring, an infection, or another injury. They could also claim that the service was performed incorrectly. Professional liability insurance can help with covered claims involving your professional work.
This matters because permanent makeup is a form of tattooing. The U.S. Food and Drug Administration notes that permanent makeup involves inserting pigment into the skin and can carry risks such as infection and allergic reactions.
What Does General Liability Insurance Cover?
General liability insurance covers different risks than professional liability insurance. It may help if a customer slips in your studio, is injured in another accident, or claims that your business damaged their property. Having both general and professional liability coverage helps protect a permanent makeup business against two different types of claims.
Do Permanent Makeup Artists Need Property Insurance?
Property coverage can help protect eligible equipment, furniture, supplies, and other business contents after certain covered losses. Coverage may also be available for buildings owned by the business.
Permanent makeup equipment can be costly to replace after a fire, burglary, or other covered loss. Marine Agency offers property coverage through its cosmetic tattoo program, although property coverage is not available in Florida.
What About Bloodborne Pathogen Risks?
Permanent makeup procedures may expose artists to blood. The Occupational Safety and Health Administration states that tattooing workers who may be exposed to blood may fall under its Bloodborne Pathogens Standard.
Business owners should follow applicable safety rules and use proper infection-control practices. Insurance does not replace safe procedures, training, or compliance with state and local regulations.
Do You Need Coverage for Mobile or Off-Site Work?
Some permanent makeup artists provide services outside their main studio or attend industry events. Our cosmetic tattoo insurance automatically includes liability coverage for eligible off-site work, including shows and fairs.
Saline pigment removal is also automatically covered when the artist has proper training.
How Can You Choose the Right Permanent Makeup Insurance?
Start by looking at the services you provide, where you work, and who works with you. Your insurance coverage should reflect the specific risks associated with your business.
Our office has offered cosmetic tattoo insurance since 1990. If you perform microblading, permanent eyeliner, lip color, or other cosmetic tattoo services, contact Marine Agency to discuss coverage for your business.
