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Insurance Comparison for Face and Body Painting, Balloon Twisters, and Henna Artists in the USA,  
First complied by Lilly Walters, May, 2013, updated last Sept. 2014

Lilly is NOT an insurance expert. The information below is meant to help you start your own research.

FDA Compliant Paints: If your policy says your paints must be FDA "approved," then RUN. The FDA does not APPROVE make-up or face paint.
The FDA only checks out the ingredients. So, the ingredients could be FDA compliant.
Neon face paints have ingredients that are NOT FDA compliant. So, if you use any neon paints in your kit, and your insurance mentions the FDA, your policy will not cover you.

 

Company

Cost General & Professional Aggregate Limit Group or Individual Ins. Certificate Charge Specify FDA Approved/Compliant? Specify FDA Approved Ingredients?* Body Painting? Repotting OK? Henna? Balloons? Covers Assistants? Covers teaching? Glitter Tats? Airbrushing? Kit Replacement?
Clowns of America Int'l,
(FOR MEMBERS ONLY,
$45 yearly membership)
www.insurecoai.org
COAI@bbopa.com, 800-518-5047
$150 $2,000,000 Individual $0 No mention No mention Yes No Yes Yes as an add-on cost No Yes Yes Yes, with additional $150 cost, for theft and vandalism
World Clown Association
(FOR MEMBERS ONLY,
$20 - $40 yearly membership)
www.worldclown.com/membership-insurance

$150 plus membership $2,000,000 Individual $0 Must be No mention No Yes Brown only

Yes

Only if assistant is directly assiting performer

No

Yes

Yes Yes

Specialty/Performers of America
www.specialtyinsuranceagency.com
Ph: 715.246.8908 
 Fax: 715.246.4257,
steph@specialtyinsuranceagency.com
Carrier: ?????

$350

---

$260

$5,000,000

---

$2,000,000

Individual $0 No mention No mention Yes Yes Yes

Yes

Yes, if under 21

Yes, (except athletic instruction)

Yes

Yes with additional $175 fee

The Bodywork
www.insurebodywork.com
1-888-568-0548
info@insurebodywork.com;
Carrier: Great American

$99 $3,000,000 Individual $10 or $25 unlimited certificates No mention No mention Yes Yes Yes

Yes (if a small part of a face painting business).

No

No

Yes

Yes - but not for face Yes up to $2000 for theft and vandalism

Alternative Balance

www.alternativebalance.net/bodyfacepaintinginsurance

800-871-3848
Contact@AlternativeBalance.org
Carrier: Great American

Professional: $229   Part-time : $199 (working 20 or less hours a week)   $3,000,000 Individual $20 No mention No mention Yes Yes Yes

No

No

Yes

Yes

Yes - but not for face Yes up to $2000 for theft and vandalism

Bomba Insurance
Ken Bomba, 760-724-8816
bombains@aol.com
www.bombainsurance.com
Carrier:  RLI

 

$295 approx.,by state $2,000,000 Individual $0 No mention No mention Yes Yes Yes

Yes

covers the BUSINESS, which includes: Spouses, volunteer/donated labor & up to 10 employees

Yes

Yes

Yes $5000 for theft and vandalism, can be increased to $10,000

*KandK/Nationwide (Summit)
Website

Carrier: Nationwide

 

$200 200 ($1M per occurrence/revuenue $30,000 or less) Individual $0 Must be non-toxic and/or
manufactured
using only FDA compliant
ingredients
only FDA compliant ingredients

No chest/necklaces, stomachs or backs.

(faces, arms and lower legs only)

???? No

Yes

No

No

Yes

Not if used on parts of the body that should be clothed in public No
Xinsurance
info@xinsurance.com
Carrier: Lloyd's of London
& Prime Insurance Company
(no webpage that talks about Face Painting)
$170 $2,000,000 ??? personal liability in addition to group policy $25 No mention (however, they exclude acrylic paints, metal craft glitter, and Para-phenylenediamine "Black Henna") No mention Yes ???? Brown only

Yes

Yes

Yes

Yes

Yes Yes
Francis L. Dean & Associates of California, LLC Office (888) 416-9091 Fax (424) 646-4998
http://www.fdean.com/performer-insurance.aspx
Carrier: United States |
Fire Insurance Company
??? ??? ??? ??? ?? ??? Yes ???? Yes

Yes

No

No

Yes

Yes ???

Company

Cost

General & Professional Aggregate Limit

Group or Individual Ins.

Certificate Charge

Specify FDA Approved/Compliant?**

Specify FDA Approved Ingredients?* *

Body Painting?

Henna?

Balloons?

Covers Assistants?

Covers teaching?

Glitter Tats

Airbrushing? Kit Replacement?

 FDA Compliant Paints: If your policy says your paints must be FDA approved, then RUN. The FDA does not APPROVE make up or face paint. They only check out the ingredients. So, the ingredients could be FDA compliant. Neon face paints have ingredients that are NOT FDA compliant. So, if you use any neon paints in your kit, and your insurance mentions the FDA, your policy will not cover you.  

*Three Emails below sent to Lilly Walters, and others, May 13.2013, from Nick Pentsos, CIC | Sr. Regional Sales Representative
K&K Insurance Group, Inc.                 Segments were BOLDED by Lilly

____

#1    Hello Everyone,

I believe there is some misconception in terms of what our program “Entertainers & Performers” insurance was designed and intended to cover. Please review below the PROGRAM DESCRIPTION and ELIGIBLE OPERATIONS  as found on our brochure.

We are looking for those INDIVIDUALS who entertain or perform at local fairs, festivals, special events, parties, etc. When we added face painters/body painters to the list, the intention was to cover an individual who was hired or attended these events to basically paint/draw on faces, arms, etc. This program was NEVER designed to cover those individuals and/or businesses that are deemed professional artists that are paid to provide services at a photo shoot and/or provide a service in which the paint “replaces” a person’s clothing.  If a client can not walk down the street and legally show off the paint/product, then it’s not what we intend to cover under this program. Best example I can think of is the recent sports illustrated swim suit edition. These artists who painted the  “outfits” on the models is not something we would consider to be a fit under our “entertainer/performer” program. Now if an individual is “properly/legally” clothed and there is body art on the individual, there is no exclusion for such activity. However, any “full body” paint and/or paint that is used in replacement of clothing is not deemed acceptable under this program.

Unfortunately, this program is not intended  for “instructors” or “teachers” of the art of painting. There is no “Professional Liability” coverage included in this package. Again, the program was designed to cover entertainers/performers only. It was not designed to provide coverage for one to teach/instruct others on how to face paint or become face painters.

Hopefully, that helps clear the air on the program and its intentions.  

____

#2     Lily,

Below is my email that was sent to another insured that pertains to the FDA wording.

As far as exclusions and listing everything "specifically/exactly". We have stated our intentions of the program under the program description and what we deem as eligible operations. We have also shared our intentions via email. If there is any concern if you fit that description, I suggest that you and your counterparts do NOT purchase this program. If you are in the business of painting on individuals who are not clothed, then please DO NOT BUY our Entertainer/Performer program. I can not stress enough that this is NOT the desire of the company nor was it the intent of the "ENTERTAINER/PERFORMER" program.

In fact, for all of this trouble we have caused your group and the issues you seem to have with our program wording, we are more inclined to remove "body paint" as an eligible risk in our renewal policy and only allow for Face painting only. 

____


#3         Dear Ms. Lee,

Per your request, we will look to update our brochure/policy wording in December to help be more specific in our description. In the meantime, as discussed multiple times, the intent of the language in our policy is to state that all paint must be FDA compliant. We would have hoped that this would be interpreted that if  the paint has all “compliant” ingredients as deemed by the FDA, then the paint is considered approved by the eyes of this company.  If a paint should contain ingredients that are not FDA approved, then automatically, the paint itself would not be deemed “approved” in the eyes of the company.

There is no intent to be inaccurate, misleading and definitely not entrapping in any way. Our intent as an insurance company is to provide protection/coverage to our clients in case of a claim. We don’t go out of our way to find ways to mislead /entrap and NOT cover a claim. 

As you have stated in your emails, the fact there is no specific paint product that is deemed FDA approved, then technically we would not legally be able to use that term to void coverage. Again, the intent of the wording is to be sure our insureds are using FDA complaint ingredients in their paints. At the moment, we are unable to change the policy and brochure at this time. Despite not changing our brochure/policy language, the intent of the coverage remains the same(as it will in the future).

If all the ingredients in your paint are FDA compliant/approved, then you are covered when using those paints.  Please feel free to share this email with all of your certificate holders and clients.

Hopefully this email puts closure to this matter of the company’s intent on coverage.

Nick Pentsos, CIC | Sr. Regional Sales Representative
K&K Insurance Group, Inc
1712 Magnavox Way | Ft. Wayne, IN 46804
Toll-free (800) 426-2889 | Direct (260) 459-5177
Fax (260) 459-5105   
nick.pentsos@kandkinsurance.com |www.kandkinsurance.com


Books and Classes on Face and Body Painting by Lilly Walters

909-398-1228 | Email
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