Permanent Makeup & Microblading Insurance Coverage Checklist
The coverages a permanent makeup & microblading 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 permanent makeup and microblading artists and studios, including those working inside salons and med spas. Priorities reflect typical exposure for this class; confirm against the studio's actual services.
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 | Covers claims that a procedure caused infection, allergic reaction, eye injury, or an unacceptable result — GL alone generally does not respond to the work itself. | Core | |
| Commercial General Liability | Covers premises injuries to clients and visitors at the studio. | Core | |
| Products Liability | Covers claims tied to pigments, anesthetics, or aftercare products used or sold — relevant after an FDA study found bacteria in 35% of sealed inks tested. | Prevalent | |
| Business Personal Property | Covers machines, pigments, beds, and lighting against fire, theft, and water damage. | Prevalent | |
| Cyber / Privacy Liability | Covers stored client photos, health screenings, and payment data. | Prevalent | |
| Workers' Compensation | Required in most states with employees; needle-stick injuries are a direct occupational exposure. | Situational | |
| Abuse & Molestation / Sexual Misconduct | Private one-on-one sessions, including areola work, create allegations exposure that GL commonly excludes. | Situational | |
| Employment Practices Liability | Covers claims by employees and booth renters later deemed employees. | Situational | |
| Educator / Training Liability | Needed if the studio teaches classes — covers claims from students and from models worked on by students. | Situational |
The coverage gap most often missed
The most common gap for permanent makeup is assuming a salon or spa policy covers it. Some salon and spa policies exclude tattooing or micropigmentation, so microblading added to an existing salon's menu can leave the procedure uninsured unless the form is checked. PMU needs professional liability that names the services performed. Also watch for dissatisfaction claims — because results are on the face and meant to last, disputes over shape, color, and fading are frequent and are best defended with written shape approval and before-and-after photos.
Send us the checklist and we'll review your permanent makeup & microblading coverage line by line, then market it across multiple carriers that compete for your account.
Related: Permanent Makeup & Microblading Insurance · Permanent Makeup & Microblading Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a permanent makeup & microblading business need?
The core coverages for a permanent makeup & microblading business are Professional Liability, 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 permanent makeup & microblading 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.