Microblading Insurance – Permanent Makeup Insurance
Microblading Insurance – Permanent Makeup Insurance
By: Allen Financial Insurance Group
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PERMANENT COSMETICS & MICROBLADING INSURANCE
Permanent Makeup Insurance & Microblading Insurance. Microblading and permanent cosmetic makeup are two of the biggest trends in the beauty industry. They allow individuals to look and feel their best, boosting their self-confidence and instill a sense of pride that they may otherwise lack. If you provide these services, there’s no doubt that you are providing your clients with definite benefits.
However, as is the case with any business operation, there are definite risks associated with operating permanent makeup business. Despite your best efforts, there is a chance that a mistake could occur, or that someone will be unhappy with their results. Lawsuits seem to be so commonplace in today’s society, which is why it’s so important to protect yourself with the right permanent makeup insurance and microblading insurance from Allen Financial Insurance!
What is Microblading?
Microblading is a tattooing technique in which a small handheld tool made up of several tiny needles is used to add permanent pigment to the skin.
What is Permanent Makeup?
Permanent cosmetic makeup is cosmetic tattooing. The specialized techniques used for permanent cosmetics are often referred to as “micropigmentation”, “micropigment implantation” or “dermagraphics”. The cosmetic implantation technique deposits colored pigment into the upper reticular layer of the dermis.
What is Cosmetic Tattooing?
A “cosmetic tattoo” accurately describes the popular service of tattooing the appearance of traditional cosmetic eyebrows, eyeliner, and lip color among other associated services such as scar camouflage and areola repigmentation.
What Types of Services Are Covered?
(Below are some of the most common permanent cosmetics and microblading insurance services that can be covered)
- Bald Spot Repigmentation
- Beautician/Cosmetology Services
- Beauty Marks
- Combo policies for locations with salons/spas/boutiques
- Eyebrows – microblading and traditional methods
- Needling/Collagen Induction Therapy
- Nipple areola reconstruction
- Pigment Removal/Lightening
- Pigment/Anesthetics Manufacturers/Distributors
- Private Labeling of Products
- Scar camouflage
- Teaching (no per student charge)
COVERAGES AVAILABLE IN ALL STATES
(12 month annual policies)
- Cyber protection
- Excess Liability
- General Liability
- Infectious Disease
- Product Liability including for Private Labeling
- Professional Liability – including claims of loss of appearance
- Property coverage – including in transit
- Sexual Abuse
- Workers Comp (most states)
How much does Permanent Makeup Insurance Cost?
Similar to insurance for tattoo artists, there are several factors that will be taken into consideration when determining the cost of your permanent makeup insurance coverage. The size of your business, the number of clients you serve, and the amount of employees that work for you are just some of the factors that will affect the cost of your insurance.
Why Do I Need Permanent Makeup Insurance?
If a customer is unhappy with the eyelids, eyebrows or lips that have been tattooed on them or if they are injured during the tattoo process, he or she may decide to file a lawsuit against your business. If you do not have insurance coverage to protect you, you may have to pay money out of pocket for court costs or a settlement; you could lose your business and find yourself in trouble financially and legally.
Microblading Insurance And Permanent Makeup Risks & Exposures:
Professional liability exposure (also known as errors and omissions insurance (E&O) can be high. Training and experience of the permanent cosmetics professional, use of tips, tubes and needles, sterilization of equipment, and overall cleanliness/sanitary conditions of the premises are the primary concerns. Lack of appropriate sanitation can result in the spread of blood-borne pathogens such as hepatitis, HIV, and AIDS, as well as potential allergic reactions to inks. Since the makeup can often require a period of healing, customers should be provided with information regarding follow-up care.
Premises liability exposure is moderate due to public access to the premises. Customer service areas must be neat, clean, orderly, and well maintained. Privacy must be maintained for the individuals being tattooed. Exits must be sufficient in number, well marked, and with backup lighting in case of power failure. One unique exposure is the presence of bio-hazards in the form of used needles and pigments since regulations require disposable needles, tips and tubes.
Parking lots and sidewalks need to be in good repair with snow and ice removed, level and free of exposure to slips and falls. Courts may deem the security of visitors in parking areas as the responsibility of the owner or operator of the premises. Factors affecting the risks include exterior lighting, fencing, and any other security measures in place.
Property exposure consists of a small office and the customer service area. Ignition sources include electrical wiring, heating, and air conditioning equipment. If the tattoo parlor is in a converted dwelling, wiring should be up to code and adequate for the occupancy. Age and condition of the equipment are important as fires may result from poor wiring, overheating, and poor maintenance. The pigments and dyes used for cosmetics are nonflammable and nontoxic.
Insurance Risks & Exposures Continued…
Workers compensation exposure is primarily from working around blood. Permanent makeup artists can come into contact with contaminated bodily fluids and the potential for blood-borne diseases, burn themselves on equipment, or accidentally puncture themselves while handling needles. The artist must often work in awkward positions to place some of the makeup, resulting in neck, arm, and back strains. Because customers may become unruly, employees should be trained in how to deal with them and have access to emergency numbers in case of problems.
Crime exposures are generally limited to theft of money by employees and others if large amounts of cash are on hand. Background checks should be conducted on all employees handling money. Appropriate cash management measures should be in place.
Inland marine exposures include accounts receivable if credit is offered to customers, computers, and valuable papers and records for customers’ and suppliers’ information. If permanent cosmetics professionals travel to the client’s premises to perform services, there may be goods off premises or in transit.
There is also theft and damage exposure to the expensive permanent makeup machines and other equipment.
Commercial auto exposure is generally limited to hired and non-owned liability. If the permanent makeup artist travels to client locations, drivers should have an appropriate license and an acceptable MVR. All vehicles must be well maintained, with documentation kept in a central location.
Environmental exposure is low due to the type of pigments and dyes used. Disposal of tips, tubes and needles must meet all regulatory requirements since they are a biohazard.
Tattoo & Body Piercing Resources
Tattoo & Piercing Release Forms
Tattoo Regulations by State
Insurance Explained ( Piercing and Tattoo)