Permanent Makeup Insurance
Permanent makeup, sometimes called PMU, is the process of inserting pigments into the dermal layer of the skin. It’s similar to tattooing and is often called micro pigmentation, cosmetic tattooing, or micro pigment implantation. It is considered an invasive service because you are using a very fine needle to insert the pigments.
With most clients, you won’t have any problems. But what if there is an issue? How are you protected in these rare circumstances when someone claims to be injured? This is where our PMU insurance coverage steps in.
Without the right PMU insurance coverage in place, you will not be protected from these types of claims. Permanent makeup insurance will help protect you from bodily injury, slip and falls, property damage, and even advertising disputes.
Why Do You Need Specialized Permanent Makeup Insurance?
No matter where you are working, if a client is injured, you can be held accountable. Without the proper protection, you will be left to defend yourself and that can cost a lot of money. Accidents are costly and defending them can be even more expensive. Our PMU insurance is just what you need to protect yourself as an independent contractor.
General Liability Insurance
Our policy will cover your professional services for bodily injuries, property damage, libel, and advertising claims. Our permanent makeup insurance also covers common claims such as slip and fall and dissatisfaction with service.
In these cases, permanent makeup insurance will cover legal expenses such as settlements or judgments, attorney fees, and court costs.
Professional Liability Insurance
This coverage is the glue that holds the whole permanent makeup insurance package together. While many carriers offer affordable general liability coverage, few offer professional liability insurance. Professional liability insurance specifically covers the services you offer, like PMU.
If you are sued because a client claims they were injured while receiving permanent makeup, general liability insurance would not cover that situation. A regular business policy would deny coverage and you would be on your own. That’s because PMU is part of your professional services. However, the professional liability coverage in our policy fixes this problem, giving you total coverage.
Property Insurance
Permanent makeup property insurance covers any equipment you may have. If your equipment is damaged by theft, fire, or vandalism, you’re covered. Property coverage is optional.
Because we package these three policies together in one big policy, you save money. If you are a permanent makeup artist and are wondering about the cost of permanent makeup insurance, give us a call.
Remember, just because you haven’t had a claim or would never intentionally do something wrong, you can still get sued. Insurtec is here every step of the way to defend you.