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Makeup artist insurance

Whether you’re home-based, salon-based or mobile, we’ll contour your insurance to your business’s unique structure.

What insurance do I need to consider as a makeup artist?

Make-up artists face a variety of risks – such as allergic reactions to products and injuries from tools.

If you accidentally harm or injure a client, you may be liable for their follow-on medical costs.

Professional indemnity and public liability cover can help you avoid these blemishes on your business. 

Got specific risks related to your services? Marsh can arrange cover for a variety of services and needs. 

What’s covered?

  • Up to $10 million professional indemnity cover

    The limit of liability is the maximum amount that can be provided under the insurance policy.

  • Breach of duty

    Cover for claims from alleged breaches of fiduciary duty in the performance of healthcare services.

  • Defamation

    Cover for claims for defamation, libel and slander committed in the performance of healthcare services.

  • Telehealth

    Cover for claims arising from the performance of telehealth services.

  • Lost or damaged documents

    $500,000 sub limit for claims arising from loss or damage to third-party documents.

  • 7 years automatic run-off cover

    Subject to policy wording terms and conditions.

  • Public liability as a standard extension

    Help protect your business against third-party claims resulting from accidents or injuries that occur as a result of your business activities with public liability insurance.

What does makeup artist insurance cover?

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Safeguard your business

Avoid blemishes on your business with the right insurance cover in place to protect your livelihood and your practice.

Professional indemnity

Access up to $10 million professional indemnity cover to help cover you for loss or damage that may result from allegations that you were negligent or made mistakes in performing your services.  

Public/Products liability

Choose public liability cover with up to $20 million cover limit to help protect your business against third-party claims of injury that occurs on your premises or  from the products you use.

7 years run-off

Your cover also includes run-off cover – meaning, subject to specific terms and conditions, you may still be covered for up to 7 years after the policy expires for the performance of services provided while the policy was active.


It doesn’t matter where you operate your business, you’ll be covered anywhere in Australia.

General exclusions

These are some examples of the general exclusions that are typically not covered by your allied health and beauty insurance policy. Talk to a broker to arrange additional cover and read your policy carefully.

Existing circumstances

You can’t get cover for claims or circumstances that already existed before you purchase your insurance.

Workplace injuries

Injuries to employees are not covered under this type of policy. Our brokers can help you find personal accident cover or workers compensation if you need it.

Intentional damage

You are not covered for malicious acts or intentional damage to property or other people.

Own property damage

Damage to your own assets – cars, buildings, equipment or tools – is not covered. These are covered under business insurance policies.

Product recalls

You’re not covered for the recall, repair, replacement or loss of your products if they are withdrawn from the market because of any defect or deficiency.


Not all policies provide cover for financial losses, costs or claims that result from your business’s bankruptcy, insolvency or liquidation.

Fines and penalties

Fines and penalties are not covered under your public liability insurance. However, claims for fines and penalties may be covered under statutory liability insurance.

Contractual obligations

You’re not covered for costs or expenses that arise due to your compliance with contractual requirements or obligations that you and a client had previously agreed to.

Additional cover we can arrange

Product and services

Business insurance

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more. 

Learn More

Product and services

Personal accident cover

With personal accident cover you can be sure your medical expenses are covered in the event of an on-the-job injury.


Product and services

Business interruption

Damage to salon equipment or a cyber attack on your booking system can halt your business. The right cover can keep things moving.


Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Servicing 700+ modalities

Marsh arranges insurance for more than 700 health and wellness modalities. We can help you stay covered for the specific risk needs of the sector – and of your business.

Industry knowledge

Our specialised broking team understands the unique risk exposures faced by the beauty industry. With more than 10 years of experience at your disposal, you’ll be sitting pretty with Marsh.

Diverse cover options

In the allied health and beauty sector, many clients need cover for multiple services. Marsh can tailor your insurance to suit your unique business and industry needs.

Frequently asked questions

Whether you’re self-employed, freelance or mobile, it’s important to be prepared for any risks that could occur when on the job. 

Although a wide range of insurance solutions are available, two of the most essential cover options for self-employed makeup artists are professional indemnity and public liability insurance.

Insurance can help protect your business – and ensure you don’t you’re your beauty sleep over accidents.

Any time you add another service to your business, it’s best practice to update us. 

Then we can advise if your current coverage is correct or if it needs any adjustments.

Yes. We can arrange monthly instalments though premium funders provided you meet certain criteria.  

 Interest and additional fees may be applicable, and terms and conditions apply. 

 Get in touch with our team to learn more.

We can issue a certificate of currency as soon as you’ve purchased your cover.

If you’re an existing customer, get in touch to request your certificate of currency, policy wording or tax invoice.

Related insurance solutions

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Business insurance 

Need a range of covers to suit your business needs? Explore Marsh’s business bundles for glass, theft, contents cover and more.

Business vehicle insurance

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Personal accident cover

With personal accident cover you can be sure your medical expenses are covered in the event of an on-the-job injury.

Commercial property insurance 

Let Marsh arrange your commercial property insurance policy to help protect your business’s buildings, contents, and more.

Retail insurance 

Whether you’re online or in-store, let Marsh service your insurance needs – so you can stay focused on your customers.

Event insurance

Let Marsh cater to your industry’s unique insurance needs – so you can keep your focus on the celebrations.

Allied health insurance 

Arranging cover options for more than 700 allied health modalities, we’re here to support the vitality of your health service.

Massage therapist cover

Accidents happen – even to the most practised masseuses. Our expert brokers can arrange tailored insurance to help keep you safe.

Beautician insurance

Like the perfect primer, the right cover can protect your business. Let Marsh arrange your insurance – while you get your beauty rest.

LCPA 24/157

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.