The Hartford doesn’t offer face painting insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Face Painting Insurance?
Face painting insurance is a package of different types of business insurance coverages designed to help protect you from the risks you might face as you provide artistic services at parties, festivals and community events.
A face painting insurance package could include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- General liability insurance
- Business income insurance
Why Might You Need Face Painting Insurance?
As a business owner specializing in face painting, insurance can help protect you from everyday challenges. For example, a client might have an allergic reaction to your paints, or a restless child could tip over their chair. Without the right insurance, you may have to pay out of pocket for medical bills and legal costs.
Face painting insurance can help protect your business from many potential risks, like:
- Professional Liability: A client develops a skin rash after a painting session, leading to expensive medical treatment.
- Bodily Injuries: A child moves abruptly while you’re working near their eyes, causing an accidental injury that results in a liability claim.
- Property Damage: You accidentally damage your client's furniture during an event, leading to costly repairs.
Who May Need Face Painters Insurance?
Many types of creatives may need face painters insurance, such as:
- Face painters for children’s parties
- Festival vendors
- Entertainment companies
- Promotional event vendors
- Mobile face painters
What Face Painting Insurance Coverages Might I Need?
When it comes to protecting your face painting business, you’ll want protection that matches your potential risks. Many face painters have a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect your business from claims that can come up during normal operations:
General liability insurance helps protect your business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment, supplies and inventory you rely on. These can include your:
- Brushes
- Palettes
- Paints
- Sponges
- Stencils
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, theft, wind or vandalism.
It’s important to know that a BOP won’t cover every kind of claim you might come across as a face painting business. You’ll need to get other types of coverage to create well-rounded protection for your business, including:
Workers’ compensation insurance to help protect your employees and give them benefits if they get a work-related injury or illness.
Workers’ compensation insurance to help protect your employees and give them benefits if they get a work-related injury or illness.
Commercial auto insurance to help cover claims of bodily injury or property damage resulting from a car accident your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Face Painter Insurance Cost?
Although The Hartford doesn’t offer coverage for face painters, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of face painting insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific face painter business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A kid tripped over my kit bag at a party and broke his nose. His parents sued my business to pay his medical bills.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“Someone broke into my office and vandalized our furniture and walls. They also broke my brushes and damaged the paint and accessories I had in storage.”
Business income insurance can help replace your lost income if you can’t operate temporarily because of covered property damage. This coverage can help pay your operating costs, such as rent, utility bills or payroll.
Workers’ Compensation Insurance
“My assistant strained her back loading our booth, and we had to pull her off the schedule for a few weeks.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“We use hypoallergenic paints, but a mom sued one of my artists after her son had a reaction.”
Professional liability insurance helps protect your business from claims that it made a mistake in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“A fire that started next door spread to my studio, and I had to replace a bunch of things I use every day.”
Commercial property insurance helps cover your essential equipment and supplies, such as makeup, brushes and portable tools. If these items are damaged, stolen or destroyed, this coverage can help pay for replacements.
Commercial Auto Insurance
“My team was on their way to an event when the driver rear-ended another car in traffic. The other driver went to the hospital for whiplash.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Face Painting Insurance Solutions
Focus on the magic, not the mishaps. Get a free online quote today from Tivly.
Last Updated: April 27, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2026.
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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