Best Business Insurance for Makeup Artists in 2025 (Top 10 Companies Ranked)
Discover the best business insurance for makeup artists with top picks Travelers, State Farm, and Nationwide starting at just $75/month. These providers offer comprehensive, tailored coverage, ensuring optimal protection and affordability for makeup artists seeking to safeguard their businesses.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Heidi Mertlich
Updated January 2025
1,733 reviewsCompany Facts
Full Coverage for Makeup Artists
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviews
18,155 reviewsCompany Facts
Full Coverage for Makeup Artists
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
3,071 reviewsCompany Facts
Full Coverage for Makeup Artists
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviews
Are you a makeup artist looking to protect your business and financial well-being? Look no further! In this comprehensive article, we will delve into the importance of business/commercial insurance for makeup artists. We will explore why having insurance is crucial for makeup artists, what it covers, and provide answers to frequently asked questions.
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 30% | Accident Forgiveness | Travelers |
 | #2 | 17% | 25% | Many Discounts | State Farm |
 | #3 | 20% | 30% | Usage Discount | Nationwide |
 | #4 | 5% | 15% | Online Convenience | Progressive |
 | #5 | 5% | 10% | Deductible Reduction | The Hartford |
 | #6 | 10% | 22% | Accident Forgiveness | USAA |
 | #7 | 8% | 19% | Customizable Policies | Hiscox |
 | #8 | 10% | 19% | Add-on Coverages | Allstate |
 | #9 | 8% | 15% | Policy Options | Chubb |
 | #10 | 10% | 15% | Local Agents | Farmers |
From liability protection and coverage for professional errors to safeguarding your assets and mitigating business interruptions, we will cover it all. Don’t risk the future of your makeup artistry business. Compare rates from the best business insurance providers today and ensure you have the coverage you need to focus on what you do best – creating stunning looks for your clients.
#1 – Travelers: Top Overall Pick
Pros
- Accident Forgiveness: Travelers is recognized for its accident forgiveness policies, preventing premium hikes after an initial accident. Discover insights in our Travelers insurance review & ratings.
- Generous Low-Mileage Discounts: Offers up to 30% discount for drivers with low mileage, promoting cost efficiency for infrequent drivers.
- Substantial Multi-Policy Discounts: Provides a 10% discount for bundling multiple insurance policies, enhancing savings.
Cons
- Limited High Coverage Options: While affordable, higher coverage options may be less competitive in pricing.
- Narrow Specialization in Offerings: Focuses primarily on standard insurance needs, potentially overlooking niche market requirements.
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#2 – State Farm: Best for Many Discounts
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: Offers a variety of coverage options tailored for different business needs. Unlock details in our State Farm insurance review & ratings.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
#3 – Nationwide: Best for Usage Discount
Pros
- Strong Usage-Based Discounts: Nationwide excels with a 30% discount for low-mileage users, ideal for those who use their vehicles less frequently. Delve into our evaluation of Nationwide insurance review & ratings.
- High Multi-Policy Discount: Offers a significant 20% discount when bundling various policies, maximizing savings.
- Tailored Options: Provides specifically designed insurance packages to meet diverse client needs effectively.
Cons
- Higher Base Rates: Base premium rates may be higher, even after discounts.
- Complex Policy Structures: Customers may find the policy options complex and difficult to navigate.
#4 – Progressive: Best for Online Convenience
Pros
- Online Management Ease: Progressive offers a seamless online platform for managing policies, making it convenient for tech-savvy users. Access comprehensive insights in our Progressive insurance review & ratings.
- Modest Discounts Available: Offers a 5% multi-policy discount and a 15% low-mileage discount.
- Innovative Tools: Provides advanced tools like the Name Your Price tool for personalized rate planning.
Cons
- Limited High-End Discounts: Lower multi-policy and mileage discounts compared to competitors.
- Premium Variability: Premiums can vary significantly between customers based on online data inputs.
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#5 – The Hartford: Best for Deductible Reduction
Pros
- Deductible Reductions: Notable for offering deductible reduction options, helping to lower costs after claim-free periods. Discover more about offerings in our The Hartford insurance review & ratings.
- Targeted Coverage for Older Adults: Specializes in services tailored for senior drivers, enhancing its market niche.
- Reliable Customer Service: Recognized for dependable and responsive customer support.
Cons
- Limited Youthful Driver Appeal: Less appealing to younger drivers due to a focus on older demographics.
- Higher Premiums for Expanded Coverage: Basic coverage is affordable, but expanded options can become costly.
#6 – USAA: Best for Accident Forgiveness
Pros
- Military-Specific Benefits: USAA offers tailored insurance products and discounts exclusively for military members and their families.
- Accident Forgiveness: Provides accident forgiveness policies, ensuring premiums do not increase after the first at-fault accident. Check out insurance savings in our complete USAA insurance review & ratings.
- Competitive Low-Mileage Discounts: Offers a 22% discount for drivers who maintain low annual mileage.
Cons
- Membership Restrictions: Insurance services are only available to military personnel, veterans, and their families, limiting accessibility for the general public.
- Limited Policy Options: Fewer customizable options compared to broader-market insurers.
#7 – Hiscox: Best for Customizable Policies
Pros
- Customizable Policies: Specializes in offering highly customizable policies that cater to the specific needs of small businesses and freelancers.
- Substantial Low-Mileage Discount: Provides a 19% discount for clients who travel fewer miles, ideal for home-based businesses.
- Flexible Coverage Terms: Enables clients to adjust coverage terms easily, providing flexibility and scalability.
Cons
- Higher Base Premiums: Base premiums are relatively higher, which might not be the most cost-effective for all clients.
- Complex Claims Process: Some users report a more complicated claims process, potentially leading to longer resolution times.
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#8 – Allstate: Best for Add-on Coverages
Pros
- Broad Add-On Options: Offers extensive add-on coverages, allowing for a highly personalized insurance experience.
- Multi-Policy Discount: Provides a 10% discount for bundling different types of insurance, aiding in overall savings.
- Innovative Tools and Resources: Features tools like Drivewise to help customers monitor and improve driving habits, potentially lowering rates. Read up on Allstate insurance review & ratings for more information.
Cons
- Variable Customer Satisfaction: Customer satisfaction can vary significantly depending on the region and specific agent interactions.
- Pricing Variability: Premiums may vary widely based on individual customer profiles and selected add-ons.
#9 – Chubb: Best for Policy Options
Pros
- Extensive Policy Choices: Chubb offers a wide array of policy options, catering to high-net-worth individuals with more complex insurance needs.
- Personalized Client Services: Known for its exceptional client service and tailored advice, particularly for premium clients. More information is available about this provider in our Chubb insurance review & ratings.
- Dedicated Claims Service: Provides a dedicated and efficient claims service, ensuring a smooth process for policyholders.
Cons
- High Premiums: Due to its focus on premium services and clientele, Chubb’s premiums are generally higher than average.
- Limited Appeal for Average Consumers: Its specialized focus might not appeal to consumers seeking basic or budget-friendly insurance options.
#10 – Farmers: Best for Local Agents
Pros
- Local Agent Networks: Strong presence of local agents provides personalized and community-tailored service.
- Community Engagement: Actively engages with and supports local communities, enhancing its appeal at the local level. See more details in our Farmers insurance review & ratings.
- Customizable Coverage: Offers customizable coverage options, allowing clients to tailor their policies to their specific needs.
Cons
- Inconsistencies in Agent Service: The quality of service can vary significantly depending on the local agent.
- Limited Low-Mileage Discounts: Offers a lower 15% discount for low mileage, which may not be as competitive as other insurers.
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Comparative Monthly Insurance Premiums for Makeup Artists
To better understand the cost dynamics of business insurance for makeup artists, it’s essential to consider the monthly rates based on varying levels of coverage. These rates are delineated into two primary categories: minimum and full coverage.
Business Insurance Monthly Rates for Makeup Artists by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $95 | $245 |
| Chubb | $98 | $220 |
| Farmers | $75 | $285 |
| Hiscox | $82 | $270 |
| Nationwide | $90 | $255 |
| Progressive | $85 | $280 |
| State Farm | $78 | $230 |
| The Hartford | $92 | $260 |
| Travelers | $88 | $290 |
| USAA | $80 | $250 |
Allstate and Chubb offer rates at $95 and $98 for minimum coverage, respectively, climbing to $245 and $220 for full coverage. Farmers presents a more economical entry point at $75 for minimum coverage, though it peaks at $285 for full coverage, marking the highest ceiling among the listed companies. Hiscox and Nationwide’s minimum coverage rates are set at $82 and $90 with full coverage escalating to $270 and $255.
Progressive and State Farm provide competitive rates with minimum coverages at $85 and $78, and full coverage at $280 and $230, respectively. The Hartford, Travelers, and USAA offer a range of rates with The Hartford at $92-$260, Travelers at $88-$290, and USAA at $80-$250 for minimum and full coverage, respectively.
Read more: Insurance Quotes Online
As a makeup artist, you have a passion for transforming and enhancing your clients’ beauty. However, it’s important to remember that accidents and unforeseen events can happen in any profession. That’s why having Business Insurance for Makeup Artists is crucial.
This type of insurance provides essential protection and peace of mind for your business. Here are the key reasons why you need business insurance as a makeup artist:
- Liability Protection: Insurance covers you if accidents or damage occur during your work, providing financial support for legal claims and potential settlements.
- Professional Errors Coverage: Insurance safeguards you from claims of mistakes or negligence in your services, helping with legal expenses and protecting your business reputation.
- Asset Safeguarding: Your tools and equipment are vital to your work. Insurance covers their loss, theft, or damage, so you can replace them without financial strain.
- Business Interruption Support: Insurance helps cover lost income and ongoing expenses if unexpected events disrupt your business operations, ensuring stability during challenging times.
By securing Business Insurance for Makeup Artists, you can focus on what you do best—creating stunning looks for your clients—without worrying about the potential risks and liabilities that come with running a business. Protect your passion and ensure your business’s longevity by obtaining comprehensive coverage (read our “What is comprehensive coverage?” for more information) today.
Business Insurance Coverage for Makeup Artists
Business Insurance for Makeup Artists provides comprehensive coverage to protect your business from various risks and liabilities. Here are some key areas that this type of insurance typically covers:
- General Liability: This coverage protects against third-party claims of bodily injury or property damage that may arise from your work as a makeup artist. It provides financial protection if a client sustains an injury or if their property is damaged while receiving your services.
- Professional Liability/Errors & Omissions: Also known as E&O insurance, professional liability coverage safeguards you from claims of negligence, errors, or mistakes in your professional services. It offers financial protection in the event that a client alleges that your makeup application or advice caused them harm, such as an allergic reaction or skin irritation (For more information, read our “Professional Liability (Errors & Omissions) Insurance”).
- Business Property Coverage: This component of the insurance helps protect your business assets, including your makeup supplies, equipment, and studio space, against damage or loss caused by covered perils such as fire, theft, or vandalism. It ensures that you can replace or repair essential items without facing significant financial burden.
- Business Interruption Coverage: In the event of a covered incident that interrupts your business operations, such as a fire or natural disaster, business interruption coverage provides financial assistance. It can help replace lost income and cover ongoing expenses during the time when your business is unable to operate.
- Product Liability: If you sell or distribute your own makeup products, product liability coverage can protect you in case a product causes harm to a consumer. It covers legal expenses and potential damages resulting from product-related incidents, such as allergic reactions or adverse side effects.
Having comprehensive coverage across these areas ensures that you can focus on your clients and your artistry without worrying about the financial consequences of unexpected incidents. It provides peace of mind and safeguards the future of your makeup artist business.
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Affordable Business Insurance for Makeup Artists
The cost of business insurance for makeup artists can vary depending on several factors. These factors include the location of your business, the coverage limits you choose, the size of your team, and the scope of your operations. It’s important to note that the cost of insurance is an investment in the protection and future of your business.
While specific rates may vary, here are some key considerations that can influence the cost of your insurance:
- Location: The geographical location of your business can impact insurance rates. Areas with higher population density or higher rates of claims may have slightly higher premiums.
- Coverage Limits: The coverage limits you select for your business insurance policy will affect the cost. Higher coverage limits generally come with higher premiums, as they offer greater financial protection.
- Size of Team: If you have employees or work with a team of makeup artists, the number of individuals covered under the policy can impact the cost. Additional insureds may require additional coverage, which can increase the premium.
- Scope of Operations: The nature and scale of your makeup artistry operations can influence insurance costs. If you offer specialized services, such as special effects makeup or work with high-profile clients, the unique risks associated with these services may be factored into the premium.
- Policy Duration: The length of coverage you choose for your business insurance policy can affect the cost. Whether you opt for coverage by the month, day, or hour, it allows flexibility but may impact the overall price.
The cost of insurance is based on assessing the risks associated with your specific business. To get an accurate idea of how much business insurance for makeup artists will cost you, it is recommended to obtain personalized quotes from reputable insurance providers.
Laura Walker Former Licensed Agent
Comparing rates from different providers will allow you to choose the best policy that suits your budget and offers comprehensive coverage for your makeup artistry business. For additional details, explore our comprehensive resource titled “How does the insurance company determine my premium?”
Securing Vital Business Insurance for Makeup Artists
Securing business insurance for makeup artists is an essential step to protect your livelihood and assets. Whether you work as a freelance makeup artist or own a makeup studio, having the right insurance coverage is crucial. To obtain the necessary business insurance for your makeup artist business, follow these simple six steps:
- Research insurance providers. Look for reputable insurance companies that specialize in providing coverage for small businesses and specifically cater to the needs of makeup artists.
- Assess your coverage needs. Evaluate the specific risks and liabilities associated with your makeup artist profession. Consider factors such as the value of your equipment, the type of services you offer, and the size of your business.
- Request quotes. Reach out to insurance providers and request quotes based on your coverage requirements. Provide accurate information about your business to receive accurate quotes.
- Compare coverage options. Carefully compare the coverage options, including policy limits, deductibles, and any additional benefits or endorsements offered by different insurance providers.
- Review policy terms. Thoroughly review the terms and conditions of the policies you are considering. Pay attention to any exclusions or limitations that may impact your coverage.
- Purchase the policy. Once you have chosen the most suitable insurance policy, complete the necessary paperwork and make the purchase. Keep copies of your policy documents and proof of insurance readily accessible.
Remember, having business insurance for makeup artists provides peace of mind and financial protection in case of unexpected events or accidents.
Take the time to find the right coverage for your specific needs to safeguard your business and focus on what you do best—creating stunning looks for your clients.
Case Studies: Business Insurance for Makeup Artists
In the field of beauty services, makeup artists face various unexpected challenges that can affect their financial stability. Exploring case studies about Business Insurance for Makeup Artists demonstrates the importance of having comprehensive insurance coverage to mitigate these risks effectively.
- Case Study #1 – General Liability Insurance: Jane is a freelance makeup artist who travels to clients’ homes to provide makeup services. During one appointment, she accidentally spills a bottle of foundation on the client’s expensive rug, leaving a permanent stain. The client demands reimbursement for the rug’s replacement. Fortunately, Jane had purchased General Liability Insurance as part of her Business Insurance for Makeup Artists. Her insurance policy covers third-party property damage, so she is able to file a claim and have the cost of the rug replacement covered, saving her from a significant financial burden.
- Case Study #2 – Professional Liability Insurance (Errors & Omissions): Sarah is a professional makeup artist specializing in bridal makeup. One day, she is hired to do the makeup for a bride on her wedding day. Due to a miscommunication, Sarah applies a foundation that the bride is allergic to, resulting in an allergic reaction and an emergency trip to the hospital. The bride files a professional negligence lawsuit against Sarah, claiming that she should have known about her allergies and taken precautions. Thankfully, Sarah had Professional Liability Insurance (Errors & Omissions) as part of her Business Insurance for Makeup Artists.
- Case Study #3 – Business Interruption Insurance: Emily owns a successful makeup studio where she offers a range of beauty services. Unfortunately, a fire breaks out in a neighboring building, causing significant damage to Emily’s studio. The building needs to undergo repairs, and Emily is unable to operate her business during this time. As a result, she experiences a loss of income and ongoing expenses, such as rent and utilities. Fortunately, Emily had Business Interruption Insurance as part of her Business Insurance for Makeup Artists.
These case studies illustrate how essential it is for makeup artists to secure appropriate business insurance. From handling accidents at a client’s home to dealing with professional liabilities and operational disruptions, the right insurance policies provide crucial support, ensuring that their business remains resilient in the face of adversity.
Learn more: Commercial General Liability (CGL) Insurance: A Complete Guide
Free Business Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brief Recap: Safeguard Your Makeup Artistry With Business Insurance
To protect your makeup artistry business from potential risks and liabilities, securing the right Business Insurance for Makeup Artists is essential. General Liability Insurance covers third-party bodily injury and property damage, while Professional Liability Insurance (Errors & Omissions) provides protection against claims of negligence.
Additionally, Business Interruption Insurance helps recover from unexpected closures and loss of income. By investing in the appropriate coverage, you can focus on your artistry with peace of mind, knowing that you’re financially protected. Compare rates from top insurance providers today and ensure the longevity and success of your makeup artist business. Learn more by reading our guide on how to get free insurance quotes online.
Our free quote tool below makes it easy to compare affordable coverage options for your business — simply enter your ZIP code to find the best commercial insurance company for you.
Frequently Asked Questions
Why do makeup artists need Business Insurance?
Makeup artists need business insurance to protect themselves from potential liabilities and financial losses. Accidents can happen, such as property damage or allergic reactions to products, which could lead to costly lawsuits. Having insurance coverage ensures that they are financially protected and can continue their business operations with peace of mind.
For additional details, explore our comprehensive resource titled “Best Business Insurance for Beauty and Hair Salons.”
What does General Liability Insurance cover for makeup artists?
General Liability Insurance for makeup artists covers third-party claims of bodily injury and property damage. It provides financial protection in situations where clients or third parties suffer injuries or property damage due to the makeup artist’s services. This coverage helps cover legal expenses, medical costs, and potential settlement amounts.
Can makeup artists be held liable for professional mistakes?
Yes, makeup artists can be held liable for professional mistakes or negligence. Professional Liability Insurance, also known as Errors & Omissions Insurance, protects makeup artists from claims of professional negligence, errors, or mistakes related to their services.
Can makeup artists add additional insureds to their insurance policies?
Yes, makeup artists can often add additional insureds to their insurance policies. Additional insureds are individuals or entities that the makeup artist wants to extend coverage to under their policy.
How much does Business Insurance for Makeup Artists cost?
The cost of business insurance for makeup artists depends on various factors, including the coverage limits, location, size of the business, and the specific risks involved. Insurance providers offer flexible options, allowing makeup artists to customize their coverage and choose the duration of policies (hourly, daily, monthly).
For additional details, explore our comprehensive resource titled “How much do insurance agents make?“
What insurance is recommended for microblading professionals?
Professionals in microblading should look for policies that cover both general and professional liability, with insurers offering specialized beauty industry coverage.
Is insurance necessary for makeup artists?
Yes, insurance is crucial for makeup artists to protect against liability claims and financial losses from accidents or damages.
What type of insurance do freelance hair and makeup artists need?
Freelance hair and makeup artists need professional liability insurance and possibly business personal property insurance to cover their equipment.
Why is liability insurance important for makeup artists?
Liability insurance protects makeup artists from financial losses if they are sued for damages or injuries caused by their services.
What is the best insurance for makeup artists?
The best insurance for makeup artists typically includes comprehensive liability insurance coverage, with companies like Travelers, State Farm, and Nationwide often recommended for their tailored policies.
What insurance should freelance makeup artists consider?
What are the key types of insurance for makeup artists?
How can makeup artists obtain insurance quotes?
How much does makeup artist insurance typically cost?
What does makeup artist kit insurance cover?
What does makeup artist liability insurance typically cover?
Do you legally need insurance to work as a makeup artist?
What is public liability insurance for makeup artists?
What should liability insurance for makeup artists cover?
How does liability insurance benefit a makeup artist?
Related Articles
-
Jan 2025
Best Business Insurance for Airbnb Hosts in 2025 (Top 10 Companies)
-
Jan 2025
Best Business Insurance for Go Kart Tracks in 2025 (Top 10 Companies)
-
Jan 2025
Best Business Insurance for Auto Repair Shops in 2025 (Top 10 Companies)
-
Jan 2025
Best Business Insurance for Printing Services in 2025 (Top 10 Companies)
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
