Why Makeup Artists Need Insurance
Even the most talented makeup artists face risks—accidental allergic reactions, damaged client property, or mishaps at events. Without the right insurance, a small incident could lead to costly legal or financial trouble.
The best insurance policies for makeup artists protect against:
- General and professional liability claims
- Property damage
- Lost or stolen equipment
- Business interruption
- Personal injury and more
After evaluating top carriers and programs, here are my top picks for makeup artist insurance in 2025.
Beauty Insurance Plus: Best Overall for Makeup Artists
Overall Score: 4.60 / 5
Pros
- Fixed-rate annual policy starting at $169
- Covers 500+ beauty and wellness services
- Occurrence-form coverage (not claims-made)
- Instant certificate of insurance (COI)
Cons
- Limited customer service outside standard hours
- Not as well-known as larger national carriers
Standout Features
- Full suite of protection: general liability, professional liability,and identity theft
- Includes personal and advertising injury and member benefits worth more than $750 in savings and discounts
- Backed by an A-rated insurer with 24/7 online access to policy documents
- Purchase policies online in minutes and no quotes needed to secure coverage
Why I Recommend It as #1
Beauty Insurance Plus is uniquely designed for professionals in the beauty industry, including freelance makeup artists. It offers affordable, transparent pricing regardless of how many services you provide, and coverage begins immediately. With broad protections and perks like discounted business resources, it’s an all-around top value for both solo artists and growing businesses.
Simply Business: Best for Comparing Multiple Quotes
Overall Score: 4.52 / 5
Pros
- Fast, easy online quote comparison
- Partners with highly rated insurers
- Coverage available nationwide
Cons
- Claims handled by partner insurers
- Some policy types not available online
Standout Features
- Compare quotes for general liability, professional liability, and workers’ comp
- Tailor limits and coverage in real-time
- Purchase policies online in minutes
Why I Like It
If you’re shopping for your first policy or want to compare multiple options before committing, Simply Business is a great starting point. You’ll get access to a range of top-tier carriers and can fine-tune your policy to match your budget and risk profile.
Next Insurance: Best for Freelancers and On-the-Go Pros
Overall Score: 4.40 / 5
Pros
- Custom-built packages for makeup professionals
- Mobile-friendly policy management
- Save up to 25% by bundling coverage
Cons
- Business hours customer service only
- Coverage availability varies by state
Standout Features
- General and professional liability tailored for cosmetologists
- Same-day coverage with app access
- Mobile COI generation and policy adjustments
Why I Like It
Next Insurance makes it incredibly easy to get covered on the fly, and its mobile-first design makes it perfect for artists who travel between client locations or work on short notice. You’ll also appreciate the streamlined renewal process and transparent pricing.
Hiscox: Best for Part-Time & Home-Based Artists
Overall Score: 4.15 / 5
Pros
- Discounts for home-based businesses
- Online policy quotes and account management
- Targets microbusinesses under $1M in revenue
Cons
- Coverage not available in all states
- Limited live phone support hours
Standout Features
- Policies designed specifically for small and solo businesses
- Includes misconduct and sexual abuse liability
- Flexible payment plans and immediate coverage
Why I Like It
Hiscox is a strong choice for independent makeup artists working from home or operating part-time. It offers targeted liability protections and flexible pricing structures that help you stay covered without overspending.
The Hartford: Best for Growing Teams & Studios
Overall Score: 4.57 / 5
Pros
- Offers every major business insurance type
- 24/7 claims center
- Custom salon & beauty endorsements
Cons
- May not support instant policy issuance
- No mobile app for account management
Standout Features
- BOP (Business Owner’s Policy) options with cyber and property coverage
- Salon-specific liability packages
- High customer satisfaction and financial strength
Why I Like It
If you’ve grown beyond freelance work and now manage a team or operate a full-service studio, The Hartford offers the comprehensive coverage you need. Its BOP options help you stay protected from employee injuries, equipment losses, and other risks unique to larger operations.
Thimble: Best for Short-Term or Event-Based Work
Overall Score: 4.30 / 5
Pros
- Hourly, daily, or monthly policy options
- Great for event workers and part-time pros
- Mobile app with COIs and document access
Cons
- Low max policy limits
- Support prioritizes chat and email over live calls
Standout Features
- Buy short-term coverage on-demand
- Get covered instantly for one-off gigs
- Policies underwritten by A-rated insurers
Why I Like It
Thimble is ideal if you only need insurance for occasional bookings—weddings, fashion shows, or editorial shoots. You can activate coverage when you need it and avoid monthly premiums when business slows down.
How I Evaluated These Companies
To evaluate the best makeup artist insurance providers, I used our internal scoring model with an emphasis on:
| Factor | Weight in Evaluation |
| Coverage Flexibility | ★★★★☆ |
| Customer Satisfaction | ★★★★☆ |
| Financial Strength | ★★★★★ |
| Convenience & Access | ★★★★☆ |
| Industry Relevance | ★★★★★ |
AM Best ratings, customer support hours, quote turnaround time, and mobile policy management were all key in the scoring process.
Frequently Asked Questions
Do I really need insurance as a makeup artist?
Yes. Liability insurance protects you against lawsuits related to injuries, product reactions, or property damage—common in beauty services.
What does makeup artist insurance typically cover?
Policies may include:
- General and professional liability
- Products and equipment protection
- Identity theft and cyber liability
- Personal/advertising injury
Can I get coverage instantly?
Yes! Beauty Insurance Plus and Thimble both offer same-day coverage and instant proof of insurance (COI).
Bottom Line
From day-rate freelancers to studio owners, makeup artists have unique risks that require tailored insurance protection. Beauty Insurance Plus earns the top spot in 2025 for its affordable, flexible, and artist-focused coverage—but each company on this list brings something valuable depending on your situation.
Compare your options, customize your coverage, and protect your artistry with confidence this year.
