I recently purchased insurance and verified makeup application is included in the policy.
This post on Model Mayhem explains why you need insurance.
Accidents happen. Your client may have an allergic reaction to an ingredient or perhaps there's a curling iron mishap.
Here is an additional thread with more information.
Because I'm a licensed esthetician, I can receive liability insurance through Associated Skin Care Professional (ASCP) membership.
Insurance is not required by law, but it's a good idea.
One important note: I found professional liability insurance often does NOT cover the transmission of certain communicable diseases. Read the fine print!
What does this mean to you, the makeup artist?
It means you better be careful!! Lately I've been trying out a variety of disposable applicators - just me being paranoid but also prepared. I want to use the same level of precaution on all clients for both their protection and mine. This is especially important for product applied near eye membranes and mouth.
Now would be a good time to create sheet for customers to disclose allergies.
