Makeup Artist Business Insurance Coverage Checklist
The coverages a makeup artist business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for freelance and studio makeup artists. Priorities reflect typical exposure for this class; confirm against the services performed and where the work takes place.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Makeup Services) | Covers allergic reactions, eye infections, and skin injuries from services — GL usually excludes them. | Core | |
| Commercial General Liability | Covers injury and property damage at venues and clients' homes; many venues require it. | Core | |
| Products Liability | Covers reactions to products sold or used, including own-brand products. | Prevalent | |
| Equipment / Kit Coverage | Covers makeup kits, airbrush units, and lighting, including in vehicles and at venues. | Prevalent | |
| Hired & Non-Owned Auto | Covers driving to bookings in a personal vehicle for business. | Situational | |
| Cyber Liability | Covers booking data and client photos. | Situational | |
| Workers' Compensation | Required in most states if the business has employees. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is professional liability. Many makeup artists buy general liability because venues ask for it, but GL usually doesn't cover the claims artists actually face: an allergic reaction, an eye infection from a shared product, or a skin injury. Artists who offer henna should know that FDA warns "black henna" often contains PPD hair dye, which isn't permitted on skin and has caused permanent scarring, including in children. Confirm the policy lists every service offered, and that lashes, tinting, and special-effects work aren't excluded.
Send us the checklist and we'll review your makeup artist business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Makeup Artist Business Insurance · Makeup Artist Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a makeup artist business business need?
The core coverages for a makeup artist business business are Professional Liability (Makeup Services), Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my makeup artist business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.