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Compare face painting insurance from UK public liability insurance providers

Face painters bring joy to children up and down the country, using their creative skills to transform birthday party guests, park-going toddlers and funday visitors… but if a child has an allergic reaction to the face paint or someone is injured by the face painter’s equipment they could find themselves lumbered with a liability claim.

While some children’s party venues employ their own face painters many are self-employed, which means if something went wrong and they were held liable they would be expected to cover the resulting legal expenses and compensation pay-outs themselves.

That’s why it might be a wise idea to consider taking out face painting insurance, which can protect you against the risk of potential liability claims.

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What is public liability insurance for face painting?

Public liability insurance for face painting is designed to protect face paint artists against the risk of liability claims brought by third parties, whether those claimants happen to be the parents of a child who was injured or suffered an allergic reaction, the party organisers who hired the face painter, or some other third party who suffered loss or injury and holds the face painter liable.

This type of insurance policy can cover the cost of legal fees and compensation claims if the court determines that you did something wrong that led to an injury or damage to someone’s property.

Is face painting insurance a legal requirement in the UK?

No, public liability insurance isn’t legally required in the UK no matter what you do for a living, but it is possible some event venues and event organisers might insist that you have insurance in place before they’re willing to let you paint children’s faces at their events.

And even if it isn’t a contractual requirement, it’s still worth comparing facepainting insurance quotes if you are a self-employed face painter, because you could find that a policy might be surprisingly cheap.

How much does face painting liability insurance cost?

Insurance providers use a wide range of factors when calculating their public liability insurance premiums, and each provider will also give each factor a slightly different weighting.

Many of those variables are also specific to each individual policyholder, which means it’s difficult to know how much you might have to pay until you compare real quotes. For instance, your location, the amount of liability cover you would like to take out, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle any other add-ons with your facepainting insurance policy will all affect the premiums you’re quoted.

The best plan is to use Quotezone.co.uk’s insurance comparison service to compare quotes for face painting liability insurance from a range of different providers, and then go with the one that offers the best policy at the most competitive price.

What other add-ons are available?

It’s often possible to bundle a range of optional extras with your face painting liability insurance in order to ensure you have the best possible cover. Some of the most common add-ons include:

• Product liability insurance: This type of add-on can protect face painters who sell products alongside their standard face painting service. For example, if you sell face painting kits for customers to take home with them you could face a liability claim if one of these kits was faulty or contained toxic substances.
• Employers’ liability insurance: Many face painting artists are self-employed, so they are less likely to employ staff than many other business people. However, if you do employ staff you have a legal obligation to take out employers’ liability insurance, even if those employees only work for you on a part time basis.