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The facts behind micropigmentation insurance
Micropigmentation is a form of semi-permanent makeup treatment, which can be used for a variety of different areas on the face and body. Many beauticians and beauty therapists are now offering micropigmentation for clients, to boost self-esteem and provide long-lasting results.
If you are looking to offer micropigmentation, it’s important to understand the risks and take out the right insurance policy. As a semi-permanent treatment, you could be left significantly out of pocket if something goes wrong and a client makes a claim against you.
What is micropigmentation?
Micropigmentation is a form of semi-permanent tattooing. The beauty therapist uses a tool to add subtle layers of colour in the dermal layer of the skin.
It is commonly used to enhance eyebrows (called microblading) or to add definition to the eyes. Micropigmentation can also be used to enhance lip colour, cover or add freckles, and is a longer-lasting alternative to traditional makeup techniques.
Why do I need micropigmentation insurance?
Micropigmentation uses tiny needles to deposit pigment under the skin. As the results can last up to 4 years, if anything goes wrong then the effects can have a big impact on a client.
As with any treatment, there are always risks involved but especially so where the therapist is breaking the skin. If a client suffers from an infection, this could lead to scarring or even in the worst case, permanent disfiguration.
It’s important to protect yourself with the right insurance policy so that if the worst happens you are not financially at risk.
What type of cover do I need for micropigmentation?
- Treatment liability cover
Any problems arising as a result of applying semi-permanent makeup could leave you with a hefty bill. If a client claims you have been negligent, or that they suffered a bad reaction to a micropigmentation treatment then you could be liable for compensation.
Treatment liability insurance covers the cost of any compensation and legal fees so you can have complete peace of mind.
- Public liability cover
Most businesses also take out public liability cover. It protects members of the public if they are hurt on your premises, or if the property is damaged accidentally. So if a client trips on the stairs and puts their back out, with public liability cover in place you will not have to pay compensation out of your own pocket!
- Equipment insurance
The tools of your trade are what keeps your business running, so it makes sense to protect them. Equipment insurance will help get you back on your feet if for any reason your equipment is damaged or stolen.
- Employers’ liability cover
Freelance microblading technicians do not need to worry about this, but if you run a salon, or your business employs any other staff then you’ll need to take out employers’ liability cover.
This policy covers the costs if a staff member needs to make a claim, for example, if their property is damaged while at work, or they have an accident while working.