MAKEUP ARTIST INSURANCE

Makeup artists are always prone to untoward happenings while dealing with variety of customers at any time. Moreover, the professionals providing services to the people are always in the eye of storm particularly the makeup artists as things may go out of control while applying makeup products to the clients in case of any reaction or things do not go in the fitting as per the wishes and expectations of the clients. Many clients are over-conscious and oversensitive about their appearance and something wrong may evoke legal repercussion and the makeup artist has to face double whammy by losing the contractual amount and paying the indemnity in case of damages suit. Moreover, makeup artist’s goodwill and credibility as a professional come in the shade. To avoid such an awkward situation, insurance cover becomes inevitable for the makeup artists.      

WHY DOES A MAKEUP ARTIST NEED INSURANCE?

Makeup is all about bringing beauty to life and infusing confidence in the wearer. So, the makeup artist works on every client like a masterpiece. Makeup artist provides services on special occasions like a wedding or a party, a photoshoot or to actors, celebrities and to those who come on the screen. It is so delicate and meticulous work that anything can happen at any time. It is possible that a client does not get satisfied with the work done by the makeup artist or some cosmetics causes allergic reaction, a product spills over the branded wedding dress or a client causes damage to the products or other things in the salon. In case of any tragic happening, the insurance provides shelter from the law suit, damage claim or other litigation. Many types of insurance covers may be opted and some may be discussed as under;

PROFESSIONAL INDEMNITY INSURANCE

Apart from services, expert opinion is sought from the makeup artist what to use for the makeup such as nail polish, blushes, and for eye lashes, brows and others and which product is the best and safe. The makeup artist gives the opinion to the best of knowledge and experience but things cannot go well all the times and there come bumps and pits and things turn all the way round. The client may go through ordeal in case of allergic reaction from the product recommended by the makeup artist. The services provided by the makeup artist may not appear well for the client. The problem may be real or based on some concoction and fabricated allegations that the makeup artist is negligent and lacks professionalism.

Professional indemnity insurance provides a cover to the makeup artist in case of litigation for being negligent and acts of omission as it provides cover in case of compensation claim payable to the third party with defense costs including investigation, legal fee, expert fee, court expenditure etc.,      

PUBLIC LIABILITY INSURANCE

Makeup artist has to work closely to the clients and this happens throughout the professional career with all the customers. This proximity on daily basis may cause something wrong and it may happen that a client, a product provider, a vendor or any other person from public gets injured as result of negligent behavior or mistake or knowing or unknowing omission and public liability insurance covers all the law suits, claims or other litigation and bears all the liabilities in the form of compensation, a lawsuit or other expenditure. This insurance also provides product liability cover as it provides shelter to the business from personal injury or property damage claims due to the product sold by the artist.    

PORTABLE EQUIPMENT INSURANCE

Makeup kit is an integral part of the makeup business and it continues to get enlarged as per the requirements of the customers and the new tools and beauty products continue to add up and the time comes when the makeup artist feels that much has been spent and the makeup kit should be protected through the insurance cover. The portable equipment insurance provides a cover to the makeup tools in case of any loss, damage or theft.

GENERAL BUSINESS INSURANCE

General business insurance is not specific to the salon or makeup service providers alone as it is meant for all the businesses. It provides cover in case of insured events happen such as fire, storm or theft. It protects the makeup business, building, contents, stock or even interruption in the business activities. The tax audit, statutory liability or employment practices may be part of general business insurance.

• CONCLUSION

Transition is the only factor that has permanence in the world as the things around us witness changes with the friction of seconds. The change may bring betterment but it can be disastrous. The coming events cast their shadows before and the prudence approach requires that one should get ready for the worst happenings in coming days. The insurance of the makeup business is necessary in view of its vulnerability to the tragic happenings because the reign is not in the hands of the artist rather it is held by the customers. The insurance cover in case of any wrong ensures that the business keeps on running and ball continues to roll. The business is what that is poised and ready to bear the brunt of the untoward happenings. 

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