Permanent Cosmetics And Microblading Insurance Policy Information
Permanent Cosmetics And Microblading Insurance. Permanent cosmetics and microblading are two of the biggest trends in the beauty industry. They allow individuals to look and feel their best, boosting their self-confidence and instill a sense of pride that they may otherwise lack.
If you provide these services, there's no doubt that you are providing your clients with definite benefits.
However, as is the case with any business operation, there are definite risks associated with operating permanent makeup business. Despite your best efforts, there is a chance that a mistake could occur, or that someone will be unhappy with their results.
Lawsuits seem to be so commonplace in today's society, which is why it's so important to protect yourself with the right permanent cosmetics and microblading insurance.
Permanent cosmetics and microblading insurance protects your permanent makeup business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked permanent makeup insurance questions:
- What Is Permanent Cosmetics And Microblading Insurance?
- How Much Does Permanent Cosmetics And Microblading Insurance Cost?
- What Types Of Insurance Do Permanent Makeup Professionals Need??
- What Does Permanent Cosmetics And Microblading Insurance Cover?
- What Does Permanent Cosmetics And Microblading Insurance Cover & Pay For?
What Is Permanent Cosmetics And Microblading Insurance?
Permanent cosmetics and microblading insurance is a type of insurance coverage specifically designed for individuals or businesses that offer permanent makeup services such as tattoos, microblading, and other forms of cosmetic tattooing.
The coverage provides financial protection in the event of any lawsuits or claims arising from mistakes or injuries caused during the permanent cosmetic application process. The policy covers the costs of legal defense, settlements, or judgments, as well as any medical expenses incurred by the client.
This insurance helps protect the permanent cosmetic artist, as well as the business, against any potential financial losses resulting from malpractice or other types of errors or oversights.
How Much Does Permanent Cosmetics And Microblading Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small permanent cosmetics and microblading businesses ranges from $37 to $69 per month based on location, number of procedures done, payroll, sales and experience.
Similar to insurance for tattoo artists, there are several factors that will be taken into consideration when determining the cost of your permanent makeup insurance coverage. The size of your business, the number of clients you serve, and the amount of employees that work for you are just some of the factors that will affect the cost of your insurance.
What Types Of Insurance Do Permanent Makeup Professionals Need?
Like any business, there are certain types of insurance coverages that you should automatically carry if you are in the permanent cosmetics and microblading industry; however, given the sensitive nature of your profession, there are additional types of insurance that you should consider carrying, as well.
Examples of insurance coverages that professionals in this industry should invest in include:
General Liability: In the event that a third-party becomes injured on your property and you are responsible for the injury, you will be held liable for paying for the cost of medical care. The most commonly reported injuries are due to slip-and-fall accidents.
With general liability insurance, the cost of medical care will be covered so that you don't have to pay for it out of your own pocket. Should the injured third party file a lawsuit against you in for his or her injuries, this insurance will also help to cover any legal fees and compensation that may be awarded.
This is also the type of commercial insurance most landlords will require you to have and produce a certificate of insurance to prove it.
Professional Liability: Also know as errors and omissions (E&O), professional liability covers malpractice, if a permanent cosmetics professional injures a client, or does work that this is substandard. Given the permanence of this type of makeup, and it is often on a person's face, lawsuits for poor work are fairly common.
Commercial Property: If the building that you operate your business out of become damaged in a fire or storm, or if property or expensive equipment in your building is stolen or damaged - business property insurance will help to pay for the cost of repairing or replacing the property; for instance, if a tree falls on the roof of your business, commercial property insurance will help to pay for the repairs.
Workers Compensation: If you have employees you should have in workers comp. In most states you will be legally required to carry this type of coverage; however, even if your business is in an area that doesn't require workers' comp, you should still invest in it.
If an employee suffers an on-the-job injury or illness, this insurance will pay for any necessary medical care, as well as lost wages, and rehabilitation, among other things.
It's important to note that most insurers want to see a certificate of training including the amount of hours of instruction to qualify for a Permanent cosmetics and microblading insurance policy. They might also ask to see your client consent and/or aftercare forms.
What Does Permanent Cosmetics And Microblading Insurance Cover?
Below are some of the most common permanent cosmetics and microblading insurance services that can be covered:
- Bald Spot Repigmentation
- Beautician/Cosmetology Services
- Beauty Marks
- Combo policies for locations with salons, spas & boutiques
- Eyebrows (including microblading)
- Lips & lipliner
- Needling & Collagen Induction Therapy
- Pigment Removal/Lightening
- Scar camouflage
Microblading And Permanent Makeup Risks & Exposures
Professional liability exposure (also known as errors and omissions insurance (E&O) can be high. Training and experience of the permanent cosmetics professional, use of tips, tubes and needles, sterilization of equipment, and overall cleanliness/sanitary conditions of the premises are the primary concerns. Lack of appropriate sanitation can result in the spread of blood-borne pathogens such as hepatitis, HIV, and AIDS, as well as potential allergic reactions to inks. Since the makeup can often require a period of healing, customers should be provided with information regarding follow-up care.
Premises liability exposure is moderate due to public access to the premises. Customer service areas must be neat, clean, orderly, and well maintained. Privacy must be maintained for the individuals being tattooed. Exits must be sufficient in number, well marked, and with backup lighting in case of power failure. One unique exposure is the presence of biohazards in the form of used needles and pigments since regulations require disposable needles, tips and tubes.
Parking lots and sidewalks need to be in good repair with snow and ice removed, level and free of exposure to slips and falls. Courts may deem the security of visitors in parking areas as the responsibility of the owner or operator of the premises. Factors affecting the risks include exterior lighting, fencing, and any other security measures in place.
Property exposure consists of a small office and the customer service area. Ignition sources include electrical wiring, heating, and air conditioning equipment. If the tattoo parlor is in a converted dwelling, wiring should be up to code and adequate for the occupancy. Age and condition of the equipment are important as fires may result from poor wiring, overheating, and poor maintenance. The pigments and dyes used for cosmetics are nonflammable and nontoxic.
Workers compensation exposure is primarily from working around blood. Permanent makeup artists can come into contact with contaminated bodily fluids and the potential for blood-borne diseases, burn themselves on equipment, or accidentally puncture themselves while handling needles. The artist must often work in awkward positions to place some of the makeup, resulting in neck, arm, and back strains. Because customers may become unruly, employees should be trained in how to deal with them and have access to emergency numbers in case of problems.
Crime exposures are generally limited to theft of money by employees and others if large amounts of cash are on hand. Background checks should be conducted on all employees handling money. Appropriate cash management measures should be in place.
Inland marine exposures include accounts receivable if credit is offered to customers, computers, and valuable papers and records for customers' and suppliers' information. If permanent cosmetics professionals travel to the client's premises to perform services, there may be goods off premises or in transit.
There is also theft and damage exposure to the expensive permanent makeup machines and other equipment.
Commercial auto exposure is generally limited to hired and non-owned liability. If the permanent makeup artist travels to client locations, drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained, with documentation kept in a central location.
Environmental exposure is low due to the type of pigments and dyes used. Disposal of tips, tubes and needles must meet all regulatory requirements since they are a biohazard.
What Does Permanent Cosmetics And Microblading Insurance Cover & Pay For?
Permanent cosmeticians, also known as permanent makeup artists or microblading technicians, provide cosmetic services that involve tattooing or pigmenting the skin to enhance features such as eyebrows, eyeliner, or lips. Despite their expertise and training, permanent cosmeticians can face potential legal liabilities, which may result in lawsuits. Some possible reasons why permanent cosmeticians could be sued include:
- Adverse Reactions: Clients may experience adverse reactions to the pigments used in the permanent makeup, such as allergic reactions, infections, or scarring. This could result in a lawsuit if the client alleges that the permanent cosmetician was negligent in selecting or applying the pigments.
- Unsatisfactory Results: If a client is dissatisfied with the results of their permanent makeup procedure, they may file a lawsuit claiming that the permanent cosmetician did not meet their expectations or failed to provide the agreed-upon services.
- Injuries: Accidents can happen during the permanent makeup procedure, such as cuts, burns, or other physical injuries. Clients who sustain injuries during the procedure may sue the permanent cosmetician for negligence or improper technique.
- Professional Errors: Permanent cosmeticians may make mistakes during the procedure, such as asymmetrical or uneven application, incorrect color, or other errors that could result in a client's dissatisfaction and potential lawsuit.
Insurance can provide protection to permanent cosmeticians by covering the costs of lawsuits and providing financial support. Permanent cosmeticians typically carry professional liability insurance, also known as malpractice or errors and omissions insurance, which can help pay for lawsuits in several ways:
Legal Defense: If a permanent cosmetician is sued, the insurance policy can cover the costs of legal defense, including attorney fees, court fees, and other legal expenses.
Settlements or Judgments: If the lawsuit results in a settlement or judgment against the permanent cosmetician, the insurance policy can help cover the costs, up to the policy's limits. This includes compensatory damages awarded to the plaintiff for injuries, damages, or losses they suffered.
Medical Expenses: If a client sustains injuries during the procedure and requires medical treatment, the insurance policy may cover the costs of medical expenses, such as hospitalization, surgeries, medications, and rehabilitation.
It's important for permanent cosmeticians to review their insurance policy carefully to understand the coverage limits, exclusions, and conditions, and to work with a qualified insurance professional to ensure they have appropriate coverage for their specific needs. Insurance can provide financial protection and peace of mind for permanent cosmeticians in case of unexpected legal liabilities. However, it's crucial to note that insurance policies may vary, and coverage will depend on the specific terms and conditions of the policy. It's always recommended to consult with a qualified insurance professional or legal expert to fully understand the extent of insurance coverage.
Insurance Classification Of Cosmetic Tattoos
Insurers classify permanent makeup & microblading using several coding systems. You can pay more for your insurance if your body art / tattoo business is not properly classified. Below are some of the most commonly used coding systems for commercial cosmetic tattoo insurance:
- SIC CODE: 7299 Miscellaneous Personal Services, Not Elsewhere Classified
- NAICS CODE: 812199 Other Personal Care Services
- ISO General Liability Code: 18570
- Suggested Workers Compensation Code: 9586
7299: Miscellaneous Personal Services, Not Elsewhere Classified
Division I: Services | Major Group 72: Personal Services | Industry Group 729: Miscellaneous Personal Services
7299 Miscellaneous Personal Services, Not Elsewhere Classified: Establishments primarily engaged in providing personal services, not elsewhere classified. Establishments primarily engaged in operating physical fitness facilities, including health fitness spas and reducing salons, are classified in Major Group 70 if they provide lodging and in Industry 7991 if they do not, and those renting medical equipment are classified in Industry 7352.
- Babysitting bureaus
- Bartering services for individuals
- Birth certificate agencies
- Blood pressure testing, coin-operated
- Car title and tag service
- Checkroom concessions or services
- Clothing rental, except industrial launderers and linen supply
- Coin-operated service machine operation: scales, shoeshine, lockers,
- College clearinghouses
- Comfort station operation
- Computer photography or portraits
- Consumer buying service
- Costume rental
- Dating service
- Debt counseling or adjustment service to individuals
- Depilatory salons
- Diet workshops
- Dress suit rental
- Electrolysis (hair removal)
- Escort service
- Genealogical investigation service
- Hair removal (electrolysis)
- Hair weaving or replacement service
- Locker rental, except cold storage
- Marriage bureaus
- Massage parlors
- Porter service
- Quilting for individuals
- Rest room operation
- Scalp treatment service
- Shopping service for individuals
- Steam baths
- Tanning salons
- Tattoo parlors
- Turkish baths
- Tuxedo rental
- Valet parking
- Wardrobe service, except theatrical
- Wedding chapels, privately operated
Permanent Cosmetics And Microblading Insurance - The Bottom Line
Permanent cosmetics and microblading insurance is one of the most important investment you can make for your permanent makeup business. In the event that an incident does occur, it can prevent you from having to pay out of pocket for medical care, repairing or replacing damaged or lost property, and expensive legal proceedings that may arise.
It's in your best interest to speak to a reputable insurance broker that specializes in microblading insurance to find out exactly what type of coverage you should carry, how much you should carry, and what it will cost.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industry is a highly regulated sector, with strict rules and guidelines in place to ensure the safety and effectiveness of the products and services being provided. In addition to meeting these regulatory requirements, businesses in this industry also face a number of other risks and potential liabilities. For example, customers may suffer adverse reactions to products, or employees may suffer injuries while providing services. In these cases, the business could be held liable for any resulting damages or losses.
Business insurance can help protect a health and beauty business from these types of risks by providing financial coverage in the event of a claim or lawsuit. For example, a commercial insurance policy may provide coverage for medical expenses or damages that result from a product liability claim. It may also cover legal fees and other costs associated with defending the business against a claim.
In addition to protecting against financial losses, insurance can also help protect the reputation of a health and beauty business. If a business is sued or faces a costly claim, it can damage the business's reputation and negatively impact its bottom line. By having insurance in place, a business can show its customers and clients that it is prepared for any potential risks and is committed to protecting their safety and well-being.
Overall, commercial insurance is an important consideration for any business, but it is especially important in the health and beauty industry due to the unique risks and liabilities that businesses in this sector face. By having the right insurance coverage in place, businesses can protect themselves, their customers, and their employees, and ensure that they are able to operate with confidence and security.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.