Permanent makeup (PMU) insurance is an affordable liability insurance for permanent makeup artists, regardless of whether they are independent professionals or salon owners with employees and several services.
It is available to ASCP members licensed or trained in pigment processes. These pigment processes include lip blushing, eyeliner, ombre powder brow, microblading, and permanent makeup.
With this coverage, permanent makeup artists can protect their business investments as well as themselves.
What Permanent Makeup Insurance Covers
As previously stated, permanent makeup insurance offers coverage for several permanent makeup services. These services include:
- Powder brows
- Permanent lip
- Microblading
- Permanent eyeliner
- Beauty marks
- Other permanent cosmetics
For permanent makeup artists who offer tattoo services, this insurance also offers tattooing coverage. This PMU insurance is customizable for several services according to your business needs, allowing you to manage everything with one policy.
Permanent Makeup Insurance Coverage
While this insurance covers several services, it comes with different types of coverage professionals can select from for their businesses. These coverage types include:
- Product-completed operations coverage.
- Third-party medical expenses coverage.
- Defense costs coverage.
- Professional and general liability coverage.
- Damage to rented workspace coverage.
- Advertising and personal injury coverage.
From several insurance companies that offer permanent makeup insurance, these coverages are available at affordable costs.
How Much Does PMU Insurance Cost?
Just like other liability insurance policies, there are several factors used in determining how much PMU insurance coverage costs. These factors include:
- Your number of clients.
- Size of business.
- Number of employees.
- Type of coverage you prefer.
Most insurance companies have other factors they use in determining how much this insurance would cost.
Who Needs Permanent Makeup Coverage?
Whether clinic or freelancing owners, it is important to get this insurance coverage for your business. The following are some of the businesses that need this insurance coverage:
- Freelancing microblading professionals.
- Eyebrow/eyelash technicians.
- Permanent makeup professionals.
- Microblading clinic owners.
- Laser hair removal technicians.
- Tattoo professionals.
Regardless of which of the following businesses you fall under, you may need PMU insurance coverage for your business.
Why Does My Business Need Permanent Makeup Coverage?
For instance, if a customer is dissatisfied with the services your business renders, this customer may decide to file a lawsuit against your business. Situations like this can cause financial setbacks for both you and your business.
In cases where you have this insurance coverage, you may not have to pay off these situations out of pocket. However, this insurance coverage covers settlement costs as well as other related fines. If you don’t have this coverage, you may lose your business and get yourself financially and legally in trouble.
How Do I Know if Permanent Makeup Coverage is Best for Me?
In some cases, your business may not need this insurance coverage. However, using the following questions, you can determine whether or not this insurance is best for you and your business:
- Do I render permanent makeup within the mandated scope of practice by the state where my business is located?
- Do I have evidence that I took training in permanent makeup?
- What type of coverage does my business need?
Using these questions, you can determine whether or not this insurance coverage is best for you and your business.
If I’m a Licensed Permanent Makeup Artist, Am I Eligible for Permanent Makeup Insurance?
Depending on your state’s rules and regulations, you may be eligible for PMU insurance. As long as your business activities are within your state’s scope of practice and you have a cosmetology license, you are eligible for this insurance. To get more insights on this, you need to check with your state’s laws as well as insurance professionals.
Are Microblading Covered by Permanent Makeup Insurance?
Irrespective of whether you render microblading services only or other permanent makeup services, this insurance offers coverage for it. All you need to do is list out all the services your business renders on your insurance application, and it will be covered.
However, if you intend to add microblading to your existing insurance coverage, it will be at no cost and added to your PMU coverage.
