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Whether you’re painting tiger stripes at a kid’s birthday party or tribal designs at a festival, face painting insurance will give you the back-up you need if something goes wrong.
As a face painter you interact closely with members of the public, including small children, which means that public liability insurance should be top of your business insurance list. You could also consider other covers like legal expenses and business equipment insurance, plus you’ll probably need to look into employers’ liability insurance if you’ve got any staff.Compare quotes
Public liability insurance
Your public liability cover is likely to be central to your face painting insurance policy. This insurance covers you for compensation claims made by a member of the public for injury or damage caused by your business. For example if you get face paint in a child’s eye and cause damage to their sight, or if you spill a pot of paint over someone’s carpet, you could face a costly compensation claim. Public liability insurance can pay the legal expenses and the compensation amount, which can take into account costs like medical bills and lost income.
You can build a tailored policy by adding other covers to your public liability insurance. If your face painting business has a premises, you could include buildings insurance, and you can also choose to cover your business equipment, your tools, and your stock. If you employ anyone, you’re usually legally required to have an employers’ liability policy. When you’re buying your insurance make sure that you provide accurate replacement values, and choose cover levels appropriate to the risks your business faces.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.