Microblading Insurance

Typically, you can expect microblading insurance to include the following coverages:

• Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, this coverage provides protection for allegations of professional misconduct, negligence, or failure to deliver a service as advertised. As a professional, a client relies on your knowledge and actions – they can sue you if they don’t receive the expected results. For example, after a microblading session, a client followed your aftercare advice and their skin had a bad reaction to the ointment you recommended so they sue you for failing to provide adequate instructions. Professional liability insurance can cover legal defence fees and relative damages, including monetary judgments.

• Commercial General Liability (CGL) Insurance: CGL coverage protects you against day-to-day liable risks that can be encountered while running your business, such as third-party bodily injury (e.g., a slip-and-fall accident) or third-party property damage. CGL can cover costs such as third-party medical fees and legal expenses, regardless of the lawsuit’s outcome. For example, if a client trips over a loose cable in your clinic and is severely injured, they could hold you liable. CGL could cover the costs of their medical bills.
  • Product Liability Insurance: This coverage is part of CGL that provides liability protection for the products you use during a treatment and products you sell to a client, should the product cause property damage or bodily injury. For example, a client alleges the microblading pigment you sold caused chemical burns and they sue you. Product liability insurance can cover the costs of legal defence costs and related damages, such as medical bills.

• Commercial Property Insurance: Commercial property insurance provides coverage for your business location and the property inside from an insured event, such as a fire, theft, and specific extreme weather events. This coverage is important to protect your business property whether you own or rent a clinic, you run your business from home, or you’re a freelancing professional. Say your equipment and furniture was destroyed by a fire, commercial property insurance may cover the costs to repair or replace your contents damaged in the fire.