Permanent Makeup Insurance

Permanent makeup insurance provides coverage for the unique risks and liabilities associated with the beauty industry. Our policies include professional & general liability with additional optional coverages to customize coverage based on your business needs.

Yes, at PPIB we understand that every business is unique and has distinct insurance requirements. We offer customizable permanent makeup policies to endure that your coverage aligns with your specific business needs.

Yes, they can be. If they are your employees, you should have them covered under your policy and we can protect you from claims that arise from their clientele. If they are independent contractors who are working under your business name we can also include them. If they are working under a different business name they will need to obtain their own coverage and name you as an additional insured.

The cost of permanent makeup insurance can vary based on several factors. Insurance providers consider these factors when determining the premium for a policy.

Here are some key factors that influence the cost of permanent makeup insurance:

1. Size and scope of business:
   The size of your business, whether you have a salon/spa or you are an individual can impact the insurance cost. Larger risks with more technicians who offer more services may have higher premiums due to an increased risk and liability associated with more clients coming into the salon/spa.
2. Type of services being performed: Some services are more invasive than others which create more long term problems if a claim were to arise. Therefore the type of services being performed may impact the insurance cost.
3. Claims history: Insurance companies consider the claims history of your permanent makeup business when determining the cost of coverage. If you have a history of claims, it may result in higher premiums.
4. Safety measures and risk management practices: Insurance providers assess the safety measures and risk management practices implemented by your business. Having robust safety protocols, ensuring your employees and you are properly trained for all services being performed and regular maintenance practices can help lower insurance costs by reducing the likelihood of accidents and claims.

Definitely. The general liability policy of the business you rent space from most likely covers their operations only, and clients coming into their business. You are a separate entity since you rent a space from another business. General liability provides peace of mind with coverage for incidents involving your clients.

If desired, we can offer you a stand-alone permanent makeup insurance policy covering only the services you need.

Yes, at any time during your policy term, you can contact PPIB and request an endorsement. Additional forms and/payment may be required.

Yes, permanent makeup insurance policies typically have exclusions or limitations that outline specific situation or circumstances where coverage may not apply or may be limited. These exclusions and limitation can vary depending on the service being provided. Some of the main exclusions are:

1. Work on stretchmarks.
2. Technicians perfoming Bald Spot Repigmentation or Scar Camouflage who have not has specific training for those services or at least 2 years experience performing Permanent Makeup.
3. Technicians performnig Cheek Blush if they have less than 2 years experience performing Permanent Makeup.

It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.

Yes. Before we can offer coverage each technician performing permanent makeup must complete at least 40 hours of in person training, or 24 hours if microblading only, and 5 hands on procedures.

The use of consent and medical history/intake forms are required for all permanent makeup service. We can provide pre-approved forms if you do not have your own. If you wish to use forms you have created we will require you to provide copies to our office for review. If you would like to use our pre-approved forms for convenience please click here to access our consent forms.

If you plan to use your own consent forms, it’s crucial to highlight certain risks associated with the procedures. Your consent forms should include the following points:

1. Disclose the risk of an allergic reaction.
2. Note that the procedure may fade over time.
3. Address the potential for fanning, spreading, and/or pigment migration.
4. Obtain consent to use your client’s photos for marketing purposes.

Please check with your state requirements as to what the statute of limitation are for your service. Statues of limitations are usually a minimum of 2 years with some states going to 6 or more years.

We require proof of training for permanent makeup if any technician has less than 1 year experience. We require proof of training for bald spot repigmentation and scar camouflage if any technicians has less than 2 years experience.

Click the Apply Now button and fill out our online application. Your application will be submitted to us and a copy will be emailed to you. The normal turnaround time to get a quote is 5-8 business days. If you need a quote sooner, call our office once you submit the online application and let us know it’s urgent.