Semi-permanent makeup can help clients look their best without daily make-up routines. From natural eyebrows to defined eyeliner and lip blush, these treatments provide various options to clients.
If you offer these services, having appropriate insurance is vital to protect your business and reputation. Enhance Insurance can arrange tailored cover for UK semi-permanent makeup artists.
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What Is Semi-Permanent Makeup?
Semi-permanent makeup (also called cosmetic tattooing) places pigment into the skin to create lasting beauty effects. Common treatments include eyebrow microblading with hair stroke techniques, eyeliner, and lip colour enhancements. Unlike regular tattoos, these treatments fade over time. Clients need top-up sessions to keep their results looking fresh.
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Why Do Practitioners Need Special Insurance?
Semi-permanent makeup sits between beauty treatments and minor medical procedures. This creates risks that standard business insurance might not cover. Even with perfect skills and careful client talks, problems can happen:
- Treatment Risks – Each type of treatment has its risks. Examples include eyebrow work that might look uneven, eyeliner procedures that happen near delicate eyes, and lip blush that might not match the colour clients wanted. Insurance can cover these issues when clients are dissatisfied, even when you did everything right.
- Hygiene Issues – Working with needles and pigments means that keeping your practice clean is vital. If a client gets an infection they think came from your treatment, they might make a claim. Insurance can help defend you and provide cover if needed.
- Disputes About Results – Beauty is personal, and sometimes clients expect different results than what they get. Even with good consent forms, clients might claim they’re unhappy with their appearance. Insurance helps protect you from these disagreements that could lead to costly problems.
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What Can Semi-Permanent Makeup Insurance Include?
Your insurance policy should reflect the specific risks of your work and help you protect your business as it grows.
- Medical Malpractice Insurance – Medical malpractice insurance can protect you if a client claims negligence or harm from your treatment. It’s a crucial safety net, especially when results are long-lasting and expectations are high.
- Public Liability Insurance – Clients visit your clinic expecting a safe and professional environment, but accidents can still happen. If a client trips over a loose wire during a consultation or their belongings get damaged during treatment, public liability insurance can cover the resulting claims and legal costs.
- Legal Defence Costs – Disputes over treatment results, consent, or perceived side effects can sometimes escalate. Legal defence cover can help with the cost of solicitors, court representation, and associated expenses. This can protect your finances and professional reputation, even if a claim is unfounded.
- Products Liability Insurance – You rely on a range of products to deliver your services, from anaesthetic creams to pigments and aftercare balms. If a client experiences an unexpected reaction to something you’ve used or supplied, products liability insurance can help cover compensation claims and related legal fees.
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Who Needs This Insurance?
Semi-permanent makeup insurance works well for:
- Self-employed makeup artists
- Salon owners offering cosmetic tattooing
- Mobile artists who visit clients’ homes
- Training schools teaching these skills
- Clinics adding these services to their menu
Whether you’re just starting out or have years of experience, appropriate insurance can help keep your business safe.
What Should You Look for in Your Insurance?
When choosing insurance, it’s important to check that all your treatments are covered and that the policy matches the size and scope of your business. Look for protection that includes past work (so you’re still covered if a claim comes in months later) and cover that continues if you stop trading or take a break.
Make sure the policy clearly states where you’re allowed to work and includes protection if a client has issues following your aftercare advice. Our friendly team can offer professional advice if you’re unsure what to look for.
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Specialist Insurance Support for Aesthetic Practitioners
We can arrange suitable insurance for semi-permanent makeup artists. Our team understands the risks of cosmetic tattooing and can advise you on the right protection. This lets you focus on creating beautiful results for your clients.
Contact our team with any questions about covers and claims.
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to arrange a policy completely tailored to your needs and requirements
Does insurance cover me if a client's brow or eyeliner fades quickly?
Insurance policies may help if clients claim their makeup faded too fast and blame your technique or aftercare advice. Normal fading that happens with all semi-permanent makeup wouldn’t be covered. We suggest writing down all aftercare tips and having clients sign to show they understand that some fading will happen.
Will my insurance cover me if I work at different salons?
Our mobile artist policies can protect you when you work in various places. These include public liability that follows you to different work spots. When you apply, tell us you work in multiple places so we can make sure you’re covered wherever you go.
Do I need different insurance for teaching semi-permanent makeup?
Teaching carries different risks than treating clients. If you train others in microblading or lip blush techniques, you might need extra cover for this work. Contact our team to discuss adding teaching cover to your policy or creating a separate policy just for your training work.
