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Insurance for Freelance Makeup Artists

In search of public liability and professional indemnity insurance cover for your business? Marsh can help home, mobile and professional makeup artists like you, arrange insurance that meets the distinct risk exposures faced by the Australian beauty industry.

Insurance solutions for Makeup Artists

As a makeup artist, you have the unique opportunity to help your clients look and feel great. Your customers rely on your artistic expertise to achieve a dazzling look and professional advice on makeup techniques and the right cosmetics to use. However, working closely with your customers with such a hands-on service can leave your business exposed to many risks. Although there is a wide range of different insurance solutions available, commonly two of the most essential cover options for makeup artists to consider are professional indemnity and public liability insurance.



Professional Indemnity Insurance

Although as a makeup artist, you are equipped with the skills and attention to detail to make your customers feel flawless every day, accidents can sometimes still happen, and things can get messy.

If a customer claims to have suffered a severe allergic reaction due to the foundation you have used, your business could be at risk of a negligent business practice claim. Whether the claim is valid or not, your business could be up for the legal defence costs and any damages awarded to the customer. 

Professional indemnity insurance can help cover makeup artists against allegations like this one of incorrect advice, breach of professional duty or negligence from a third party (usually a client).

Public Liability Insurance

Working closely with customers comes with many risks. If a client or third party claims they were injured or their property was damaged while under your consultation or service, you could be liable to pay for any medical, damage or legal expenses that arose due to the incident.

For example, you accidentally drop bright, red lipstick, which damages the customer's carpet, or your client slips after you inadvertently spill makeup remover on the floor.

Public liability insurance can help cover businesses from these types of third party injuries and property damage claims.




The claims examples on this website are for illustrative purposes only. The circumstances of a claim and the policy’s full terms, conditions and exclusions would determine coverage for a specific claim.



Don't let risks leave any imperfections on your business, arrange insurance cover with Marsh

Competitively priced insurance for Makeup Artists

Marsh have negotiated competitive premiums for the industry to deliver public liability and professional indemnity insurance to help cover makeup artists and their business.

A service team who are immersed in the industry

With over 10 years of experience servicing the beauty industry, our specialised broking team understand the unique risk exposures faced by makeup artists and offer general risk advice.

Ongoing support and claims advocacy

In addition to obtaining quotations and placing your makeup artist insurance policy, we can also help manage, negotiate and settle claims with insurers on your behalf.



Things to look out for

We understand that the price of your insurance premium is a significant factor to consider when choosing between policies. However, it is crucial to think through other important features when doing a side-by-side comparison.

Insurance providers can base a policy’s premium on the risks they take on and having a high number of exclusions can reduce these risks, which should result in a lower premium. Hence, you should thoroughly assess the policy terms in advance, to make sure that the cover you are considering is appropriate for your business’s individual needs.

Just as makeup artists need the right brushes and palettes to create that perfect look, you too should ensure you are equipped with the right policy to protect your business.

Here at Marsh, our team will help you to negotiate competitive premium prices and work with insurance providers to ensure that the offered policy is tailored to fit unique risk exposures of the profession.

Why do I need insurance as a makeup artist?

As a makeup artist, you are the expert in making your customers look and feel beautiful. However, even with all your makeup artistry skills and experience, there are still many risks involved when working so closely with clients and being responsible for their appearance.

To ensure these risks don't leave a blemish on your business, it is important to have insurance that can cover your business from negligent business claims.

Furthermore, if you are renting a salon or other space, the property owner or realtor may ask for a copy of your public liability certificate of currency before approving you for the lease.



Need more help to ‘makeup’ your mind?

If you have a question about your current policy, want to find out more or would like to arrange a quote, our team are here to help on 1800 640 210.

Make up artist working with a pallette



Frequently asked questions

Do I need insurance as a self-employed makeup artist?

Whether you’re self-employed, a freelancer or mobile makeup artist, it is important to be prepared for any risks that could occur when on the job. Insurance will help protect your business and ensure you don’t lose beauty sleep over any accidents that do befall.

Although there is a wide range of different insurance solutions available, commonly two of the most essential cover options for self-employed makeup artists to consider are professional indemnity and public liability insurance.

What if I add another service to the business?

If you add another service to your business, simply let us know and we can advise if your current coverage is still correct or if adjustments will be needed and additional costs incurred. 

Contact Us

Does Marsh offer monthly payment options for makeup artist insurance?

Yes, we can organise monthly instalments* through premium funders provided you meet certain. To request monthly payments please call us on 1800 640 210 or fill out our contact form.

*Interest and additional fees may be applicable. Terms and conditions apply.

How do I get a Certificate of currency?

Once your cover has been successfully purchased, we can issue a Certificate of Currency.

If you’re an existing customer, click here to request your Certificate of Currency, Policy Wording or Tax Invoice.



Additional Industries we services

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.