Microblading Insurance

Microblading Insurance

Microblading insurance is designed to protect microblading professionals from potential risks and accidents.

Zensurance - Microblading Technician

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Makeup Artist

Insurance for microblading professionals

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.

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.

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.

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.

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

Getting insured is quick and easy!

Complete our 5-minute online application for a free microblading insurance quote.

Common claims scenarios

Microblading Procedure

Problem: After performing a microblading session, your regular client comes out in a bad rash from the pigment you used and needs medical treatment.

Outcome: Your client alleges the product was faulty and caused bodily injury. Your professional liability insurance covers $8,000 in legal fees and medical expenses.

Woman with a concussion

Problem: A client hits their head on a low beam in your clinic resulting in a moderate concussion.

Outcome: Your client sues you for their medical costs. Your commercial general liability insurance covers the $7,000 cost in legal fees and medical expenses.

Woman looking into the mirror

Problem: A new staff member provides a microblading treatment to a client. The client then claims the results look nothing like they expected and allege the staff member of being unqualified. They sue your business for professional negligence.

Outcome: Your client successfully sues your business. Your professional liability insurance covers the $10,000 in legal fees and monetary judgment.

Frequently asked questions

Why do microblading professionals need insurance?

Every business has risks. For example, a client could simply slip and fall in your salon, leaving you liable for their costly medical bills, or a fire in the adjoining unit could break out overnight, destroying your expensive equipment. Regardless of the precautions taken, things can happen beyond your control. Protect your business from serious financial debt with coverage that’s right for you.

Do I need my own insurance if I rent space at a spa?

Yes, oftentimes commercial insurance policies only cover the liability of full-time employees. If you’re a freelancing microblading professional, or you rent a chair in a salon, check with the business owner to determine whether you’re covered – chances are you’ll need to carry your own insurance.

Are there any requirements in order to obtain a microblading insurance policy?

Yes, we require accredited certification and a minimum of 40 hours of practical experience in order to provide a microblading insurance quote.

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Ready to start? Let’s get a quote!

You’ve dedicated your professional life to helping others feel great and confident about themselves, you deserve to feel confident about your business’s protection plan.

Make a free quote today in only five minutes, and see how Zensurance can facilitate coverage that’s right for you.