It’s important to have a good understanding of liability insurance if you’re a face painter. So I thought I’d share a few tips about liability insurance with you…
Some face painters will tell you they’d never accept a job without having insurance, and others will tell you it’s not necessary.
The truth of the matter is, as the business owner, the choice will ultimately be yours.
** Keep in mind that many corporate clients
will not hire you unless you have insurance.**
Being able to say that you’re insured on your website instantly puts potential corporate and non-corporate clients at ease giving them another reason to hire you over someone else.
Liability insurance basically protects us when something bad happens under our watch.
All insurance companies are in the business of making money; so they have varying levels of risks or odds.
If we are a higher risk, for whatever reason, our premiums will be higher. For example, if we have been diagnosed with a serious illness we would expect to have to pay higher premiums than someone who has never been sick.
What this means for the business owner is this: You have to ask yourself questions like “What are my risk factors?” and “What is the likelihood that a claim will be made against me?”
You will need to analyze yourself and your business very carefully to make the best decision.
Here are 5 websites you can look into for liability insurance:
Beauty & Body Work Insurance (USA)
Kandi Insurance (USA)
Specialty Insurance Agency (USA)
Duck For Cover (Australia)
Face Painters Insurance (UK)
Until next time,
Happy Face Painting!