Insurance

Task 3

So as a Make-up artist is a risky business,  a priority should be getting insurance! now this isn't just for all those beautiful things in your kit (although you may want to think about kit insurance too) this insurance is for your clients, after all they rely on your care and expertise . If something goes wrong say, accidentally causing injury or harm to a member of the public or damaging somebody else´s property, then you're to blame and there is risk of someone claiming against you. You need to be covered for anything and everything, Public liability insurance is just the ticket, It will ensure you're covered  for as little as someone tripping over your kit, to someone having a full blown allergic reaction to products you've used.

NASMAH (who we spoke about them in the unions and trade bodies blog) offer a trade specific insurance policy in partnership with Just Hair & Beauty. Their freelance policy provides: -

• Public Liability / Treatment Risk
• Standard limit of indemnity: £3million
• Option to buy £5million cover to satisfy Production Companies requirements
• UK cover extended to temporary (31 consecutive days) Worldwide (ex USA*/ Canada*) assignments

Premiums start from: £45.15 per year they also offer Kit insurance up to £5,000, subject to additional premium. You can find out more and pay here 

BECTU (again we spoke about them before) also offer free lance insurance which provides:

•  cover for claims up to £10m
• third party Personal Injury
• third party Damage to Property
• obstruction, trespass, nuisance or interference with any right of way, air, light or water

As a member of the union you are able to opt for the cover under the group policy for just £21 per year. They also offer a kit insurance.Find out more here 

Salon Gold are a company that specialise in insurance for the beauty industry and offer public liability insurance to make-up artists. Their policy offers:

• Public Liability – £3 million or £5 million
• Products Liability – £3 million or £5 million
• Treatment Risk – £3 million
• Financial Loss – £10,000 or £50,000

They also offer additional policies for Stock/Equipment. If you are a student they can arrange cover at special rates. But their standard make-up artist insurance costs £41.16 per year if you buy online. You can find more about their policies here 

Although you could probably find cheaper insurance going through comparison sites, personally I would chose one through a know union or trade body as it would give your client a sense of security.