Insurance for microblading professionals
A decade ago, microblading wasn’t even a term most people even knew. Nowadays, beauticians know microblading to be one of the top treatments to dominate the industry. For people who were used to filling in their eyebrows for a fuller look, it’s a time-efficient alternative. And, similarly to a haircut or a makeover, a microblading treatment can totally enhance someone’s appearance.
The microblading process involves creating tiny cuts for the pigment to permeate into the top layers of skin. While it’s a relatively safe procedure, there are particular liabilities you can face as a professional, such as a client having a bad reaction to the pigment. Additionally, many microblading clinics can offer other treatments such as waxing, laser hair removal, and lash extensions, which all have their own unique risks to consider. It’s important to protect yourself, your clients, and your business with an insurance policy that’s built around your business and the services you offer.
We’ve made it our mission to make insurance as accessible as possible, using easy-to-understand language and answering your most asked questions. Below you’ll find helpful details to get you started on the basics of microblading insurance.
What is microblading insurance?
Microblading insurance (also known as permanent makeup insurance) is the combination of coverages, packaged up into one insurance policy that’s right for your business. It generally covers you for events you may be liable for, such as third-party bodily injury and property damage, as well as providing protection for your own property in the case of specific insured events.
What does it cover?
Typically, you can expect microblading insurance to include the following coverages:
- Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this coverage provides protection for allegations of professional misconduct, negligence, or failure to deliver a service as advertised. As a professional, a client relies on your knowledge and actions – they can sue you if they don’t receive the expected results. For example, after a microblading session, a client followed your aftercare advice and their skin had a bad reaction to the ointment you recommended so they sue you for failing to provide adequate instructions. Professional liability insurance can cover legal defence fees and relative damages, including monetary judgments.
- Commercial General Liability (CGL) Insurance: CGL coverage protects you against day-to-day liable risks that can be encountered while running your business, such as third-party bodily injury (e.g., a slip-and-fall accident) or third-party property damage. CGL can cover costs such as third-party medical fees and legal expenses, regardless of the lawsuit’s outcome. For example, if a client trips over a loose cable in your clinic and is severely injured, they could hold you liable. CGL could cover the costs of their medical bills.
- Product Liability Insurance: This coverage is part of CGL that provides liability protection for the products you use during a treatment and products you sell to a client, should the product cause property damage or bodily injury. For example, a client alleges the microblading pigment you sold caused chemical burns and they sue you. Product liability insurance can cover the costs of legal defence costs and related damages, such as medical bills.
- Commercial Property Insurance: Commercial property insurance provides coverage for your business location and the property inside from an insured event, such as a fire, theft, and specific extreme weather events. This coverage is important to protect your business property whether you own or rent a clinic, you run your business from home, or you’re a freelancing professional. Say your equipment and furniture was destroyed by a fire, commercial property insurance may cover the costs to repair or replace your contents damaged in the fire.
Who needs it?
All microblading professionals whether freelancing or clinic owners should highly consider getting a custom microblading insurance policy package.
We’ve insured more than 1,000 beauty professionals. Some of our clients include:
- Microblading clinic owners
- Freelancing microblading professionals
- Permanent makeup professionals
- Eyebrow/eyelash technicians
- Laser hair removal technicians
How much does it cost?
There’s no set price, as many factors unique to your business go into the total cost of your microblading insurance policy. For example, if you run a low-risk, small microblading clinic, you can expect to spend around $600/year on a combined professional and commercial general liability policy with a limit of $2M.
For a quote that’s right for you, fill out a free online application. We’ll suggest coverage and limits based on the information you provide about your business. Here are some of the factors we take into consideration:
- Services offered
- Years of experience
- Claims history
- Training and education
We’re here to help you get great coverage for a great price. We’ve partnered with over 50 insurance providers so you’ll have a variety of options suitable for your unique business.
Common claims scenarios
Frequently asked questions