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 cosmetics 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 then we can also include them. If they are working under a different business name then they will need to obtain their own coverage and name you as an additional insured.

The cost of permanent cosmetics 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 cosmetic 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 and 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 service 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 cosmetics 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 only their operations and clients coming into their business. You are a separate entity since you rent a space from another business. General Liability provide peace of mind with coverage for incidents involving your clients.

If desired, we can offer you a stand-alone permanent cosmetics 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 cosmetics insurance policies typically have exclusions or limitation 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. It’s important to carefully review your insurance quote and policy and understand the exclusions and limitation that may apply.

The use of consent and medical history/intake forms are required for all permanent cosmetic service. We can provide pre-approved forms (click here) 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: link to consent forms

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 cosmetics if less than 1 year experience. We require proof of training for bald spot repigmentation and scar camouflage if 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.