Makeup Artist Insurance
With 25 years of proven trust, NACAMS keeps makeup artists fully protected and confident in their artistry.
Take your mobile protection anywhere you work in the U.S.
Safe and secure online checkout
Lifetime protection even after your policy expires
One policy with coverage for 500+ services
Choose Your Rate
We provide upfront pricing so our customers can make an informed decision without the hassle of quotes or expensive coverage add-ons. For $179/Yr- a rate that breaks down to just $14.91/month when paid annually- get all that you need in one easy checkout process.
Our Most Popular Policy
One Year Pro
$179/YR
Lock in Our Cheapest Rate
Two Year Pro
$329/2YR
Same Coverage Limits As Pro
One Year Student
$60/YR
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
What is Makeup Artist Insurance?
Makeup artist insurance provides protection of your personal & financial assets if a client were to sue you due to an unexpected accident, like a customer falling off the makeup chair (general liability) or injuries from improper use of tools (professional liability). If a client decides to file a lawsuit, your liability insurance policy will help cover costs such as legal fees, medical bills, etc.
Do Makeup Artists Need Insurance?
You make every effort to provide a seamless and enjoyable experience for your customer, but due to the nature of this profession, it still involves risk. The possibility of an injury may seem unlikely, but not unimaginable.
Like all service industry professionals, makeup artists need liability insurance to protect them if something unfortunate does occur. At NACAMS, we hope to preserve your career by offering A-rated protection.
Common Claims that Liability Insurance can Shield you From
Makeup artists may unintentionally harm or injure a client e.g., accidently poking a client's eye while applying fake lashes or unknowingly using a product that causes an allergic reaction after reading through the customer's intake form. Professional liability insurance can help cover legal expenses and potential settlements in such cases.
In many salon environments, there's a risk of clients slipping, tripping, or falling, potentially leading to injury. NACAMS provides general liability coverage in case a client is injured due to such incidents while they are in your care. For example, if a client falls off their chair, injuring their wrist, even though you weren't involved, the student was under your care, leaving you at risk of being sued.
Liability insurance can help protect instructors if a client experiences negative consequences from a product used in the salon e.g. cleaning products. Within professional & general liability insurance, we can help cover medical costs if someone were to sue due to an allergic reaction.
In today's digital age, personal information security is paramount. Reiki liability insurance provides coverage for identity protection, safeguarding you from the consequences of identity theft. Should your personal information be compromised, leading to fraudulent activities or financial loss, this coverage steps in to offer financial assistance and support to help restore your identity and mitigate the resulting damages.
makeup artists might communicate their practices through various channels, including online platforms. If a pro's statements about their offer or services are perceived as libelous or slanderous by a client, fellow beauty pro, or instructor, liability insurance can offer protection against potential legal claims.
*Please note claim scenarios are for illustrative purposes only. Actual coverage is always determined by the carrier and based upon the policy language.
What Does A NACAMS Policy Include?
Liability insurance is an investment every service professional should make to keep their financial assets protected. A NACAMS policy is comprehensive meaning, everything you read about is included in the price of a student OR professional policy.
Beauty Modalities We Cover
In addition to the popular Beauty styles we cover, NACAMS also provides protection for professionals who source income from other beauty & wellness services like yoga, massage therapy, personal training, Reiki, and 500 more.
Popular Beauty Services:
What Is Makeup Artistry?
Makeup artistry is the creative and professional skill of enhancing, transforming, or redefining someone’s appearance using cosmetic products and techniques. Makeup artists (MUAs) blend color theory, facial anatomy, and product knowledge to bring out their clients’ best features or to create entirely new looks for fashion, film, photography, theater, or special events.
From natural beauty to bold editorial styles, makeup artistry covers a wide range of specialties. Beauty makeup focuses on everyday and bridal looks that enhance natural features, while fashion and editorial makeup push creative boundaries for photo shoots and runway shows. Theatrical and film makeup artists design looks that hold up under bright lights and cameras, sometimes incorporating prosthetics, aging techniques, or special effects to bring characters to life.
Behind every flawless look is a professional who understands the art and science of skin tone, lighting, and hygiene. Makeup artists are trained to select the right products for different skin types, maintain sanitation standards, and ensure their clients feel comfortable and confident. Whether working in salons, on movie sets, or as independent freelancers, MUAs combine artistry and technical skill to deliver exceptional results.
But as with any hands-on profession, accidents can happen, from allergic reactions to product spills or unexpected client injuries. That’s where makeup artist liability insurance becomes essential. This coverage protects your business and reputation by helping cover the costs of claims related to bodily injury or professional mistakes. It ensures you can focus on your craft without worrying about the “what ifs.”
Having the right insurance not only safeguards your finances but also builds trust with your clients and employers. Many venues, production companies, and bridal clients now require proof of coverage before booking an artist. With liability insurance, you show that you take your business seriously and that their safety is your top priority.
Makeup artistry is more than cosmetics it’s creativity, confidence, and professionalism in action. Protecting your artistry with the right insurance allows you to keep doing what you love with peace of mind.
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What Is The Best Liability Insurance For Makeup Artists?
NACAMS is rated Excellent by independent review site Trustpilot. This policy is the best option for pros looking for comprehensive liability insurance offering professional and general liability insurance & coverage for things like identity theft, allergic reactions, and slander, all for one low cost of $179 annually. Buy a policy.
Frequently Asked Questions
Yes, if you are training to become a makeup artist and working with volunteer clients, family members, or your colleagues, there is still a risk of an accident. Protect your future career with liability protection that has your back.
Your insurance policy goes with you wherever you provide your service or when you move to a new location anywhere in the USA.
All 50 states require some sort of certification or licensure to be a practicing MUA. Make sure to follow your state's guidelines to be 100% covered.
Coverage does not extend to your personal makeup kit. However, if you are using your client’s makeup or tools and accidentally damage or destroy them, these situations could be covered under our general liability insurance.
Think of makeup artist insurance as a safety net for your career, one that lets you focus on your craft without worrying about life’s unexpected moments. While no one plans for accidents or mishaps, they can happen even in the most routine appointments. Every day, we help professional makeup artists handle claims that arise from ordinary situations proving that preparation truly pays off.
As a makeup artist, your work helps clients look and feel their best. But working closely with the face, neck, and skin means you’re always just one small slip away from potential risks. A simple reaction to a product or an accidental brush movement could lead to costly medical bills, lost wages, or even a lawsuit. If a client decides to take legal action, defense fees can add up quickly, turning a small mistake into a major financial setback.
That’s why NACAMS offers comprehensive makeup artist insurance designed specifically for beauty professionals. Our coverage includes general and professional liability, product liability, advertising injury, and even identity theft protection. With the right policy in place, you can continue doing what you love, helping clients look flawless while knowing your business is fully protected.
For just $0.49 a day (paid annually), you can enjoy complete, all-inclusive coverage designed specifically for makeup professionals through NACAMS. Our insurance was built for the beauty industry, meaning every detail, limit, and protection is tailored to the unique risks makeup artists face.
Your policy goes beyond basic general and professional liability coverage. It also includes product liability, advertising liability, and even identity protection, giving you peace of mind whether you’re working in a salon, on-site, or freelancing independently.
But great coverage is only the beginning. With NACAMS, you’ll also gain access to exclusive member benefits valued at hundreds of dollars, tools, resources, and perks crafted to help you grow and protect your business.
We’ve made it our mission to keep our insurance affordable, comprehensive, and built for working artists like you so you can focus on your craft while we protect what matters most.
Our makeup artist insurance is built with flexibility in mind, designed to cover you in nearly any professional setting.
Whether you’re a freelance artist, salon professional, or booth renter, your coverage through NACAMS moves with you. No matter where or how you work, you can feel confident knowing your insurance is there to protect you.
Makeup artist insurance truly is the best insurance for makeup artists. While many providers offer broad, one-size-fits-all policies for professionals, these generic plans often leave serious gaps when it comes to the unique risks faced by beauty industry experts.
At NACAMS, our coverage was built exclusively for makeup artists, meaning every policy includes protections tailored to the real-world situations you may encounter throughout your career. You’ll receive both general and professional liability coverage, along with additional safeguards for advertising claims and even identity theft protection.
Yes. At NACAMS, we believe in supporting the next generation of beauty professionals. That’s why we offer a low-cost, student-only insurance plan designed specifically for those currently enrolled in makeup programs.
For just $0.49 per day (paid annually), students receive the same comprehensive coverage and benefits as our professional members including liability protection, product coverage, and identity protection. It’s the perfect way to start your career with confidence and peace of mind.
Our insurance goes beyond makeup artistry, we provide protection for more than 500 different modalities. This includes full coverage for makeup application, eyebrow services, and eyelash treatments, ensuring that every aspect of your work as a makeup artist is backed by reliable protection.