It is common for people to get worried about and asked questions about insurance when they start planning to run a business. For some business in the UK, there is clear information available that whether the owner needs to ensure their business or not but there is some business they the require for insurance differs. One of those businesses is offering make-up services to people or being a Makeup artist. There are many miss concepts about insurance regarding makeup artists in the UK as this business could be run as self-employed and also as a proper business format where the property has been purchased and employees have been hired to offer different services related to makeup.
The UK is a country that is very strict about the insurance requirements for business but this does not mean that all businesses in the UK are required to purchase insurance plans or to run a business there is a legal requirement to enrol on an insurance plan. The nature, type, and size of the business play an important role in getting registered for the insurance plan. The same rule goes for makeup artists.
If the market-up artist is offering his or her services as a self-employed person, there isn’t any special requirement for insurance but if the same person is offering the same services under a property but there is a requirement regarding the property insurance. Same as that, if there are some workers working under the makeup artists in the saloon, then there is a legal requirement for the employee to purchase the employer’s liability insurance plans. So, in short, the requirement for Makeup Insurance for Freelance depends on a number of things. But that is not the only thing to consider to come up with a conclusion.
We all know that purchasing insurance can help business owners and freelancers survive in the market when there are unexpected claims made by clients, customers and even third parties. So, it is always ideal for makeup artists to purchase an insurance policy according to the risk level they may face during working hours.
Property insurance for Makeup artists:
If the freelancer makeup artist decided to work on a property, then there is the requirement to purchase building insurance. In this case, insurance will be provided against the loss which happened due to theft and damages etc.
Even in the case of the mobile operating salon, the insurance will increase the value of the business and property. The service which has been offered by the makeup artists is not cheap, so do the claims which needed to be paid in case of the claims made by clients. So, it is wise to purchase building insurance for the salon so that you do not need to be worried about the claims that occurred due to property damage.
Employer Liability Insurance:
If the makeup artist hired some staff, then it is his duty to purchase the employer’s liability insurance for them. This will cover the claims made by the employees. For example, the employee got damaged in the workplace. There have been many accidents happening at the workplace of makeup artists as the usage of chemicals involved in this. This increases the chances of accidents.
Public Liability Insurance:
It is not mandatory for makeup artists to have liability insurance but it is always good to have one. This will allow the makeup artist to pay for the compensations made by the third person including clients who may get affected by the services of the markup artist etc.
