If you’re working as a freelance makeup artist (MUA), insurance might not be the first thing on your mind—but it should be. Whether you’re doing bridal makeup, editorial shoots, or glam for events, insurance protects you, your kit, and your business.
Why insurance matters for MUAs
As a freelance MUA, you’re running your own business. That means you’re responsible for what happens during your services—good or bad. If a client has a skin reaction, if you accidentally damage someone’s property, or if your kit is stolen, insurance can save you from major financial loss.
Types of insurance to consider
1. Public liability insurance
This is essential. It covers you if a client or member of the public is injured, or their property is damaged due to your work. For example, if someone trips over your kit bag or has an allergic reaction to a product, public liability insurance can protect you from legal and compensation costs.
2. Treatment risk insurance
This covers claims arising specifically from the makeup or skincare services you provide. If a client develops a rash, swelling, or irritation, treatment risk insurance can cover the legal and medical costs.
3. Product liability insurance
If you sell or supply products—like false lashes, lip glosses, or custom skincare—this protects you if someone has a reaction or injury caused by them.
4. Kit and equipment cover
Makeup products, brushes, tools, and lights are expensive. This insurance protects your kit against theft, damage, or loss—especially helpful if you travel a lot for work.
5. Professional indemnity insurance
This covers you if someone claims your advice or service caused them financial loss or distress. It’s more common in consultancy or teaching roles but can still be useful.
Is insurance a legal requirement?
Insurance isn’t legally required to work as a freelance MUA in the UK, but many venues and agencies will ask for proof of it before allowing you to work. For example, wedding venues or fashion shoots may require public liability insurance as a standard precaution.
How much does it cost?
The cost varies depending on your coverage and insurer, but basic freelance MUA insurance packages in the UK often start from around £50–£100 per year. It’s a small price to pay for peace of mind.
Where can I get it?
You can get MUA insurance through specialist providers like:
- Salon Gold
- BABTAC
- The Guild of Beauty Therapists
- Direct Line (with self-employed packages)
- Simply Business
Make sure to read the small print so you know exactly what’s covered.
Even if you’re just starting out, insurance is one of the smartest investments you can make as a freelance makeup artist. It not only protects your business but also shows professionalism and builds trust with clients and collaborators.
