Insurance For Permanent Makeup Artists
Specialized Insurance for Permanent Makeup Artists — Because One Mistake Shouldn’t Cost You Everything
Permanent Makeup Insurance That Covers What Others Miss
As a permanent makeup artist, your work is precise, personal, and permanent. Whether you're offering microblading, lip blush, eyeliner tattooing, or scar camouflage, every procedure carries risk. That's why you need permanent makeup insurance tailored to your services. Permanent makeup (PMU) involves inserting pigment into the dermal layer of the skin using fine needles — making it an invasive cosmetic procedure. Just like traditional tattooing, it requires specialized protection. Even if most clients leave happy, all it takes is one claim to put your business at risk. What if a client experiences an allergic reaction? Or claims uneven results? Or slips and falls in your studio?
With Insurtec’s permanent makeup artist insurance, you’re covered for:
Bodily injury and property damage
Slip and fall incidents
Application-related complaints or dissatisfaction
Advertising injury and liability disputes
Legal defense, settlements, and court costs
Whether you're an independent contractor or operating your own PMU studio, our policy combines general liability, professional liability, and optional property insurance into one affordable package.
Why Do You Need Permanent Makeup Artist Insurance?
PMU is not like a basic spa treatment — it’s considered an invasive procedure. And because you’re inserting pigment into the skin, the risks are higher, especially for new clients or those with skin sensitivities.
Without the proper permanent makeup artist insurance, you could be left alone to handle:
Client injury or allergic reactions
Claims of poor results or appearance dissatisfaction
Slips and falls in your studio
Damage to your tools or studio space
Legal costs from lawsuits, even if you're not at fault
Just one claim can result in thousands in out-of-pocket legal expenses. But with PMU insurance from Insurtec, you’ll have peace of mind and legal protection every step of the way.
What’s Included in Esthetician Insurance?
General Liability Insurance
Covers third-party claims such as:
Slip-and-fall accidents
Property damage to a client’s belongings
Advertising or reputational injury claims (e.g., libel or slander)
Legal defense costs, settlements, and judgments
This is the foundation of any permanent makeup artist insurance policy and is especially important if you work in rented spaces or lease a studio.
Professional Liability Insurance (Errors & Omissions)
This is where most insurance policies fall short. Professional liability protects you when the service you provide becomes the focus of a claim. If a client says a lip blush session went wrong, or claims infection or scarring after a treatment — this is the coverage that responds.
General liability won’t cover these claims because they’re related to your actual work. That’s why we include professional liability as part of every permanent makeup insurance plan.
Optional Property Insurance
Permanent makeup artists often invest in high-end equipment: tattoo machines, pigment sets, treatment beds, and lighting systems. If your tools are
stolen, damaged by fire, or vandalized, our optional property insurance ensures you're not stuck paying for replacements out-of-pocket.
You’ve worked hard to build your setup — make sure it’s covered.
Real-World Risks Covered by Permanent Makeup Insurance
Here are some examples of actual claims where permanent makeup insurance helped protect artists like you:
A client fainted during an eyeliner procedure and sustained a head injury.
A microblading client claimed the pigment healed unevenly and sued for damages.
Equipment was stolen from a shared studio overnight.
A client developed a reaction to pigment ingredients not disclosed during consultation.
With Insurtec’s permanent makeup artist insurance, you're not just insured — you're supported.
Get Covered Today
Don’t wait until a client complaint turns into a lawsuit. With Insurtec’s permanent makeup insurance, you’re protected from the moment you begin working.
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