Permanent Makeup Insurance for Brokers & Agents

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 client’s needs.

Yes, they can be. If they are employees of the insured, they should have them covered under their policy. If they are independent contractors who are working under your client’s 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 your client 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 client’s business, whether they have a salon/spa or 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 client’s permanent makeup business when determining the cost of coverage. If they 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 client’s business. Having robust safety protocols, ensuring their employees and themselves 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.

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.

We prefer you complete PPIB’s application for us to provide accurate terms. Since we have customizable coverage to offer your clients, we have specific questions we need answered. Therefore, we have created a specific application to obtain all the information we need to provide an accurate quote for your clients. Acord applications and other supplemental applications are missing many of the important questions to help obtain critical information to determine accurate terms. This is why we prefer our Body Art/Salon application to be completed to obtain a quote. We want to make sure the quote we are providing has the most accurate terms for you to bring to your client.

Once you have a completed application email the application to submissions@ppibcorp.com.

The application does not need to be signed & dated to obtain a quote, however we will need a signed & dated to bind the policy.

To become appointed, we will need a copy of your Agency’s license, copy of declarations page or certificate of insurance of Agency’s E&O, signed & dated Broker Agreement and W9. Please click here to access our  Broker Agreement. 

No you don’t. We can offer a quote without you being officially appointed, but we will need to have you appointed in order to bind coverage for any client.

A list of the binding requirements will be proved on the quote, in a section on the last page of the letter, advising what is needed in order to bind coverage. Please note we need all binding requirements at time of the bind request in order to bind the policy. 

Our carriers require us by contract to file all surplus lines taxes. However, brokers with Surplus Lines licenses may be able to file taxes.