{"product_id":"how-to-run-a-face-painting-business-insurance","title":"How to Run a Face Painting Business - Insurance","description":"\n\u003cdiv\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#tab-1\"\u003eDescription\u003c\/a\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n  \u003cdiv id=\"tab-1\"\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003ch1 style=\"text-align: center;\"\u003e \u003cinline style=\"color: rgb(255, 0, 255);\"\u003eHOW TO RUN A FACE PAINTING BUSINESS - INSURANCE\u003c\/inline\u003e\n\u003c\/h1\u003e\n\u003cbr\u003e\n\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003e\u003cb\u003eHow can $100 can save you $100,000 and keep your business alive?\u003c\/b\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eFor a lot of people liability insurance can be a hard topic. Some think is not needed, some think is a waste of money and others can’t imagine working without it. We choose to think of liability insurance as an investment; while others see it as an expense.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eConsider this: most face painting and body art insurance companies will charge you around $100 to $200 for a full year of coverage. For the average painter that means that they can pay for their annual insurance with 1 to 2 gigs (if you are charging less than $100 an hour you might want to re consider your rates). Not too bad, right?\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eNow, consider what you are getting: peace of mind, potentially more jobs (many malls and fairs won’t work with you unless you have your own insurance), and coverage in the rare case of a claim.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"background-color: initial; font-size: 18px; letter-spacing: 0px;\"\u003eWhy do we see it as an investment? Because if $100 can get you into face painting gigs that you couldn't have done without it, then, as long as those jobs bring you in more than $100, you will profit from having insurance.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eAlso, what could happen if you get a claim and you didn't have insurance? Most likely you will be put out of business and find yourself in major debt. So, that $100 can be the best investment you ever did.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eSome say claims in our industry are so rare you shouldn't worry about them, but many still have life insurance, car insurance, home insurance, health insurance, and play the lottery, even though you may also deal with small odds of something critical happening. The thing is that, although chances might be high that you won’t get sued, if you do, the expenses related with a court case are most likely impossible to afford on your own and all of your dreams of running your own face painting business could be over. We hate to say it, but we know that very well at Jest Paint.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px; background-color: initial; letter-spacing: 0px;\"\u003eBeing careful in any matter concerning your face painting business won’t be the answer to avoiding a law suit. Keep this in mind, even when you haven’t done anything wrong, you can still get sued by someone trying to get money from you through a settlement. Just to defend yourself and prove you haven’t done anything wrong can cost you a small fortune. Our legal fees were over $100,000, even after wining the case, and it didn't even make it through the traditional court process.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eThankfully, our insurance took care of the crazy huge bill and we only had to pay a small deductible. Without insurance, we simply wouldn't be here. We were surprised to find out that to get a lawyer to start representing you, you would have to pay a large retainer fee from the get go.  This can start at  $3000, which barely covers the initial paperwork to respond to the plaintiff. If we didn't have business insurance we wouldn't even have been able pay to defend ourselves. We would have lost the court case, and would have had to pay for all of the money that the plaintiff requested in damages, which would have taken two lifetimes, even though we were innocent. If you find yourself in a similar situation, all of that drama can also be avoided for you and your family with a small insurance investment.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eWe thank God every day that we chose to get business insurance when we did. Going through a law suit was stressful and emotionally draining, but we were confident that we would come out on top and that our business would be able to thrive.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eOf course, insurances are not always there when you need them. You need to make sure that you are getting the proper coverage so that you will be protected when you need it. READ your policy, ask questions, and don’t sign if you are not comfortable with it. Most insurances won’t let you read the entire policy until you sign, but you have the right to cancel within a certain time frame after you have read the policy if you don’t agree with it. Make sure that every aspect of your face painting business is covered under the insurance and that you work within that frame so you don’t void your policy.\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e\u003c\/span\u003e\u003cbr\u003e\u003cb style=\"font-size: 18px;\"\u003eWhat Questions Should you Ask?\u003cbr\u003e\u003cbr\u003e\u003c\/b\u003e\u003cspan style=\"font-size: 18px;\"\u003eHere are a few that come to mind:\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e- Do you cover all of the activities I do? (face AND body painting, henna, glitter tattoos, airbrush tattoos, hair embellishment, etc).\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e- Do you provide coverage for others working under me?\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e- Do you provide coverage to the venue I might be working for?\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e- Is the coverage limited to a specific geographic area?\u003cbr\u003e- Who is the underwriter and what is their rating?\u003cbr\u003e- Is teaching covered under this policy?\u003cbr\u003e- Will my equipment be covered?\u003cbr\u003e- Do you require  for me to use FDA compliant products?\u003cbr\u003e- Can you provide Certificates of Insurance? How much do they cost and how long would you take to process a request for one?\u003cbr\u003eetc....\u003c\/span\u003e\u003cbr\u003e\u003cspan style=\"font-size: 18px;\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eIn the end, it is your call as a business owner to do what you think is best for your business. Just make sure that you consider every angle, and always think on a long term basis if this is something you are doing as a career rather than just a hobby.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eIs there an insurance company that you would like to recommend to other artists? Write a comment below and let us know who you work with.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003e\u003cbr\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003cspan style=\"font-size: 18px;\"\u003eDisclaimer: we are not lawyers and our opinion is based on our personal experience. We recommend for you to always check with a lawyer before making any decision. We are not in any ways giving legal advice and we are not liable for any decisions you make or stop making based on the opinions provided above.\u003c\/span\u003e\u003c\/p\u003e\n\u003cdiv style=\"text-align: justify;\"\u003e\n\u003cbr\u003eImage courtesy of foto76 \/ FreeDigitalPhotos.net\u003c\/div\u003e\n\u003cp class=\"MsoNormal\" style=\"text-align:justify\"\u003e\u003c\/p\u003e \n\u003c\/div\u003e \n\u003c\/div\u003e ","brand":"Amerikan Body Art","offers":[{"title":"Default Title","offer_id":19187913719926,"sku":"JPBB1005","price":0.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0055\/7275\/5574\/products\/3c491ae746448b4bd27a96ccf736ed81.jpg?v=1572966973","url":"https:\/\/techglobals.myshopify.com\/products\/how-to-run-a-face-painting-business-insurance","provider":"MODUSversus","version":"1.0","type":"link"}