General Liability Insurance: This type of insurance provides coverage for bodily injury and property damage that may occur while providing makeup services. It can protect against claims from clients who suffer injuries or property damage during makeup application or as a result of using makeup products. Professional Liability Insurance (Errors & Omissions): Also known as malpractice insurance, this coverage protects makeup artists against claims of negligence, errors, or mistakes in providing makeup services. It can cover legal fees and damages if a client alleges that the makeup artist's services caused harm or dissatisfaction, such as allergic reactions or skin irritations from makeup products. Product Liability Insurance: If the makeup artist sells makeup products or skincare items, product liability insurance provides coverage for injuries or damages caused by defective products. It can cover legal fees, settlements, and medical expenses if a client suffers harm from using a product sold by the makeup artist, such as allergic reactions to cosmetics or skincare products. Business Property Insurance: Property insurance protects the physical assets of the makeup artist's business, including equipment, supplies, and inventory, against damage or loss due to events such as fire, theft, vandalism, or natural disasters. Business Interruption Insurance: This insurance provides coverage for lost income and ongoing expenses if the makeup artist is temporarily unable to work due to a covered event, such as a fire or natural disaster. It helps cover rent, utilities, salaries, and other fixed costs during the period of interruption. Commercial Auto Insurance: If the makeup artist travels to client locations or uses a vehicle for business purposes, commercial auto insurance provides coverage for liability, property damage, and injuries resulting from accidents. Cyber Liability Insurance: Cyber liability insurance protects against data breaches, cyberattacks, and other cyber risks that could compromise sensitive client information stored electronically, such as appointment schedules, contact details, or payment information. Workers' Compensation Insurance: If the makeup artist employs other individuals, such as assistants or administrative staff, workers' compensation insurance is typically required by law. It provides coverage for medical expenses, lost wages, and disability benefits if an employee is injured or becomes ill while performing job duties. Business Owner's Policy (BOP): A BOP combines several types of insurance coverage into a single package designed for small businesses, such as makeup artist services. It typically includes general liability, property insurance, and business interruption coverage, offering convenience and cost savings compared to purchasing individual policies separately. Professional Associations: Some professional makeup artist associations offer insurance options as part of their membership benefits. These insurance programs may provide specialized coverage tailored to the needs of makeup artists and may offer competitive rates and additional perks.