On the way to a client booking, a stone flicks up and cracks your windscreen. The glass is the only damage, but you need it replaced quickly so you can arrive on time and keep your day running smoothly.

Windscreen damage is typically covered under a Comprehensive Motor Vehicle Policy and the basic excess may be waived.

A waxing treatment spill leads to damage to a client’s bedroom carpet requiring replacement.

Public Liability cover may respond to claims for accidental damage to third-party property arising from your business activities.

Working with an old client on her wedding day, it is a rainy day and the makeup you apply is not waterproof, leading to embarrassment and ridicule for the client on her wedding day. The day, photos and video are impacted because the bride did not look or feel her best. She tries to recoup these costs from you.

Professional indemnity insurance may respond to claims arising from negligent advice or recommendations made in the course of providing professional services, including associated legal defence costs.

You’re a TV makeup artist doing a microblading wig, and plastic facial prosthetics procedure on a model and the rubber has an allergic reaction to the model leading to them having a seizure and fracturing their skull.

Public Liability cover may respond to third-party injury claims arising in connection with your premises or business activities.