Hello everyone! Today I am tackling that question that I see asked nearly every single day (ok not quite, but a lot!) about INSURANCE! I sent out the following email to various companies in the hope that they might be able to help.
I was wondering if you would be able to put together an email or a chart for me detailing PLI insurance cover for face painting, Special Effects, Makeup, and hair styling, separately and together, with details of cost at each tier of coverage, and any limitations to the environment at which you will cover someone, plus information about insurance cover for tools and equipment used on the job. Can you please also let me know your policy on UV face painting and wether this is covered under Face painting insurance or wether you would need to be insured for special effects, what your policy on repotting face paints is, and what information you need from people to insure them, if you have a minimum amount of experience or if you require a specific qualification?
The only companies that replied were Hencilla Canworth and Blackfriars, so I have focussed this blog post on Hencilla Canworth, Blackfriars and Salon Gold (who I didn’t email because they have such a simple online process). If you are a member of FACE then I believe you will be with Rees Astley as per their regulations so I haven’t talked about Rees Astley here. I did email them to see if they would take insurance from non-members of FACE but they didn’t reply.
Hencilla Canworth, BECTU
Before I began this process, I was with Hencilla Canworth via BECTU. I was insured to do ‘Any activity related to the members employment within broadcasting, entertainment, cinema, theatre and live events’ for £38 a year which gave me £10m cover as long as I was a member of Bectu, which costs £11.25 a month. This was what was recommended to us when I was training, so I went with them and never thought twice. However when I sent them the above email I was HORRIFIED to discover that I had potentially not been covered for a lot of the work I have undertaken in the last 2 and a half years. This is the email I received from them
Good morning Mazz
The best option for your self it to join an organization called BECTU and take out their Public Liability (costs approx. £38) which will cover you for all of your work relating to theatre and entertainment industry and then we can provide a top up to this cover which will then cover you for any personal work you do away for these industries such as weddings etc.
Now, that’s completely my fault for not being pro-active about this beforehand, and I am VERY lucky that no-one has ever needed to make a claim against me. I actually decided to undertake the research into insurance because I don’t actually do very much film and tv work, so I wasn’t sure if being a member of BECTU was really worth it for me, but I have actually now left BECTU and therefore Hencilla Canworth in favour of another insurer.
Blackfriars were very easy to deal with. They even sent me a link to their policy on UV Face paint which I know has been a bit of an issue for people recently! I have included a link to their policy for all of you to see, as well as their reply to my email below.
Thank you for your email, we will cover all of the mentioned items under the one policy for the same cost regardless of how many of them you actually want to insure the premium will be £67.93 for £5M Public Liability and Treatment Liability for 1 person. The hairstyling will not cover any cutting, perming, dying etc purely for styling only.
The insurers do not require you to have any qualifications but would expect you to have whatever your Governing Body say you should have.
This was the first email I had back, so this definitely put things into perspective for me when I thought about how much I was paying for my insurance with BECTU! However, not being able to cut hair was an issue for me, and after a little more digging I discovered that they do not offer kit insurance at all. I also didn’t find their application form the easiest, but they were really easy to deal with over the phone and email.
I went through the Salon Gold form a few times to see if adding various services would change the policy price. The price didn’t change regardless of how many services I added (including the ability to cut hair!), it really came down to the level of cover I wanted and any add ons like kit insurance etc. For the sake of comparison for this post, I did not include any kit cover and kept the liability level to £5m (the same as Blackfriars), which came to £73.44, however if you only want £3m cover it was £60.
I didn't have to prove that I was qualified, however they do state that you are required to show your certificates in the event of a claim, and that by purchasing insurance, you are declaring that you are suitably qualified.
I found the website very helpful (I won’t even deal with a company if their website isn’t easy to use, I am going to do a blog post about websites in the near future) and if you hover your mouse over any section it tells you what is or isn’t included within that. They have a list of documents towards the end of the process detailing what services are included in the trades you have selected which is really helpful! Although not specifically listed on their makeup artist documents, they do cover SFX makeup too, (I phoned to double check), which is great, particularly for those of you who like to get involved at halloween.
Things you may need to check or think about when you are sorting your insurance
Period of insurance
Be careful on this one! A lot of insurance companies work April to April, so if you sign up in March, you will pay a full years fee, and it will expire in April when you have to pay another full years fee.
Level of Cover
With BECTU I automatically had £10m cover, however when I started looking at other companies, this really pushed the price up. The highest level of minimum cover I have ever been asked to make sure I have for public events is £5m, so that’s what I went for. It largely depends on the events you do, and obviously, the higher the level of cover you want the higher the insurance fee will be. Some companies offer cover from £1m, some start at £5m, so think about the types of events you want to do, and if you have any application forms hanging around, check how much cover they want you to have.
On the Salon Gold website when I hovered over the Public and products liability I discovered that I would be covered up to 14 days abroad except US and Canada. Before this, I didn’t even consider that working abroad could have the potential to invalidate my insurance! So if you are thinking about working abroad just double check what your insurance says about this, you may need to pay a little extra. After a quick chat with Blackfriars, when I asked this question they said it also depended on what happens with Brexit. I guess a lot of companies are going to be in the same position, so if you are planning on working abroad just get in touch with your insurer and double check where you are covered and how long for, and don’t forget to get travel insurance!
This is entirely up to you. We spend a lot of money on our kits, and if you have a craft-n-go, that’s not an insignificant amount of money to lose if something were to happen to it! Until now I didn’t have kit cover. I really wondered wether I wanted to pay the extra money when I was already paying quite a bit, but I now have a few big ticket items, not only for my face painting kit but for my hair and makeup kit too. For the sake of an extra £40 I now know I’m covered. I did actually have an incident about a year and a half ago, and I still didn’t get kit cover! I had been doing my makeup in the car on the way to London (my mum was driving don’t worry!) I use the same brushes on myself as when I’m on the job in one big brush belt, and I have a particular palette with all my essential eyeshadows etc magnetised to it. We left the car at Richmond Car Park and I left the makeup I had brought in a little tote bag apparently on view. Idiot. We got back to the car to see the hazard lights going off and the passenger window smashed in and my tote bag gone. I was absolutely devastated and in a total panic because I was supposed to be doing hair and makeup at a wedding fayre in a couple of days time. All of my brushes were in that bag, as well as some pretty key items. We had a quick look around the area in case whoever had take it had realised what was in there and dumped it, but couldn’t find anything. We reported it to the police but didn’t expect to hear back from them. About 10 minutes into our very cold journey home, we had a phone call saying they had recovered it!! I could not believe it! Apparantly they had been chasing someone on a moped earlier in the day and he threw the bag with my bits in it off onto the pavement, and do you know what? Out of the roughly 30 or so eyeshadows on that palette I only lost 2 due to breakage, and I only lost 3 makeup brushes. In case anyone was wondering, they didn’t catch the guy. He took off his helmet, and apparently they have to stop chasing when someone does this because health and safety. Also, my mum was pretty annoyed at me. I cost her a new window. But I don’t think kit insurance would cover that…
Just as a little note, Blackfriars do NOT insure kit and equipment.
Everyone seems to have an opinion on UV at the moment. Blackfriars made a very helpful document about this https://www.blackfriarsgroup.com/face-painting-uv-and-neon-paints/ and I am sure each insurer has their own policy.
So Who did I go with?
We all have different needs with our insurance. I ended up going for Salon Gold because it was the best decision for me and my business. They cover all the services I need insuring under one policy and my kit for less than my yearly BECTU membership, before the insurance on top of that!
I hope this has been useful to you and that I have answered any questions about insurance! If you still have questions, please pop a comment below or get in touch with me.
The Pixie Tribe
MY TOP 5 PRODUCTS – BY JANE HARDING
OK, so this blog is in response to Kate’s challenge she set in her ‘top 5 products’ blog. Yes Kate, you are totally right, I REALLY don’t want to imagine for a moment that my kit is going to go up in flames! :-O But if I had to rescue only 5 products, they would be:
Hmmm… this is much harder than you imagine! Lol OK here we go….
DFX Black & White… yes I know they are officially 2 products, but Kate bundled them into 1 and as I screw them together to store them, I figure they definitely count as 1! If you’re wondering why I prefer DFX to any other white/black on the market, the answer is very simple. When I first started face painting I booked myself on some 1-1 training with a fabulous face painter and was able to try out her DFX. Compared to the Snazaroo I was currently using, I instantly fell in love them, they improved my line work almost immediately and I’ve never looked back. If it ain’t broke and all that!
Rainbow One Stroke… my personal favourites are Leanne’s Neon Rainbow and Leanne’s Island Girl. So I would definitely grab one of those. Yep they both have neon in them, so if you are concerned your insurance might not cover them, then my “non neon” choice would be Leanne’s Rainbow or Sillyfarm True Rainbow.
ALL THE BRUSHES! Yes they definitely count as one item because they are all stored in one case! Ha haaaa…. It’s a pretty tough question to ask which are my “favourite/must have” brushes… but if you twisted my arm I would say, Lowe Cornell Rounds, Paint Pal Little Drop, TFPS Small Flower Brush and TFPS 3/4 Flat.
Onalee Rivera Hero Power Pallet… having watched Onalee’s FABATV class last summer, as soon as this pallet came out I bought one… I think I am on my 3rd replacement already because I literally use it on every job! Superheroes are such a popular design and with this pallet you can pretty much do them all. I absolutely love it.
Now in all honesty if I only had time to grab a few things to save my kit… the fist thing would be my Craft’n’go! Lol But as that qould defeat the object of this little challenge I am over looking that! So, last but not least, the final thing I would save is…. My Sillyfarm Rainbow cakes… Id grab as many as I could because they are just so beautiful, but if I had to choose one or two, I would go for Tango (a great tiger split cake is always handy) or Paisley (really versatile, creates the most beautiful butterflies and teardrop masks).
And that’s it… I could so easily list x20 more things, but I’ll stay true to the challenge and leave it at that! Like Kate, if I could add a 6th, I would go for a stencil… my current favourites are those by OOH! Body Art and TAP Stencils.
I hope you enjoyed reading about my Top 5 Products… what are yours?
HOW TO PAINT A CUTE LOVE HEART DESIGN
Welcome back and HAPPY VALENTINES DAY! I hope you enjoyed this quick and super cute little love heart design, perfect to paint on the arm, cheek or reposition the rainbows to place on the forehead.
My TOP TIP for this design is to practice your one stroke whilst twisting the brush. It can be a little tricky at first, but just keep practicing and you’ll have the control in no time. Got any questions or comments? just drop them below.
Links to all the products used are listed below.
Don’t forget, I also have my own personal YouTube Channel where I share more tips and tutorials, so you can SUBSCRIBE here:
BLACK DIAMOND FX
WHITE DIAMOND EFFECTS
LEANNES ISLAND GIRL
SILLYFARM VALENTINE SHIMMER
OOH! BODY ART STAR WRAP STENCIL
TFPS 1 INCH SHORT ANGLED
TFPS 3/4 FLAT
ROUND #3 BRUSH
TFPS LINER BRUSH 0
SOCIAL MEDIA LINKS:
THANKS FOR WATCHING ☺
For this design, inspired by my own Hogwarts house, I wanted to focus on the under eye with trailing snakey tendrils. The Face Painting Shop dagger brushes are great for these thin-to-thick lines.
TOP 5 BRUSHES
There are so many makes, sizes and shapes of brushes, it can sometimes be hard to know what to buy, especially when first starting out. Here are my top five favourite brushes:
Jestpaint ‘Bolt’ brushes. These little yellow handled pieces of genius have a particularly bulbous brush so make perfect thin to thick lines. They take some getting used to but once mastered they produce quick and effective tiger stripes or butterfly wings. They come in a variety of sizes. I like the number 3,4 and 5.
Any flora/petal brush is essential in my kit as I add flowers to pretty much every design. The bigger the better, I love a big squooshy flower.
The good old Face Painting Shop pink tip ¾ inch angled brush for one-strokes designs, butterfly wings and fancy flowers. Haven’t come across a better one yet.
Any Lowell-Cornell round but especially number 5 for loading up with creamy white paint and doing perfect dots of different sizes on princess and mermaid crowns. Great for bubbles, pearls and falling flower blossom.
TFPS pink tip script liner brush. I hadn’t really tried script liners until a few years ago because the shape used to scare me – how would I control something that long? But loaded correctly, swiped around in a pool of paint, they add the most delicate wisps to eye designs, are perfect for starbursts and make a stick-thin spider leg too.
What brushes have I missed off the list? What are your favourites? And what designs have you done with them? Please post and comment!
My Top Five Products
I was at a job with a painty colleague the other day and we had a lull, and started to talk about our ‘rescue-from-a-fire face painting products’ – so if (and I know, I know - you don’t EVER want to envisage this) your kit was on fire – what would you save? If like me, you have a ridiculous amount of kit and adore shopping for face painting products and tools you’re bound to have a few favourites, here are mine:
1. A good black and white – ok so this is on every face painters list and it has to be top. I’ve tried all the brands and always come back to Diamond FX for my linework black and white. The opacity of the white for me is second to none.
2. A good pink splitcake – I like Evil Rose by DFX but I often make my own too out of white, a bright pink, a berry wine colour and a slither of dark purple. This is such a versatile product- you can create beautiful roses, and other floral designs, princess crowns, one stroke butterflies, cats, etc etc. You can pick up just a couple of colours, or all of them, the possibilities are endless!
3. The Face Painting Shop Brushes – I’m counting these as one of my choices, as I figure I could grab a handful in an emergency right? ;-D Now I love the whole range but If I had to choose my absolute go-to, couldn’t live without ones, I would choose my ¾ short angled, my flora round no3, the flora 6 and a round number 2. I think I could probably do all my face painting with these four brushes if I was pushed.
4. A green/yellow/black splitcake. My favourite is Tag Snake. Another multipurpose and versatile product that can be used to produce beautiful natural floral designs and leaves, snakes and reptiles, monsters and dragons, dinosaurs and superheros! I can’t do without this in my kit
5. Aurora. Oh aurora, many others I have tried and I always come back to you! Just the most beautiful, colour-changing, design-enhancing glitter there is. It's also avaliable in the Irridescent Chunky Glitter.
So there’s my five. If I could squeeze another one in there it would be my bam stencils – stencils have revolutionised face painting, and can totally transform a design. I don’t use them ALL the time, but I so wouldn’t be without them :-O. I’m going to be posting some videos on how I use my top five for many different things, so keep an eye out for those.
So now I have a challenge for my other bloggers! What are your 5 must-have products? I love hearing about what other painters use and love! Warning ladies – it’s SO hard to narrow it down to only 5!!!!
Readers I’d love to hear your essential products – what couldn’t you live without? What do you find yourself panicking about if supplies starts to run low? Do share it, we’d love to know your top tips too!
WONDER WOMAN STEP BY STEPS BY JANE HARDING
I hope this quick little Blog/Step By Step finds you well? After a somewhat quiet January (gig wise), I am looking forward to some exciting jobs I’ve managed to book in for the year to come.
I am also excited to be having Sunday off this week (10th Feb) to attend the Midlands Jam being help up in Chesterfield. This will be my first “official” Jam I’m attending so I can’t wait! You may be wondering, will I let you all know about my experience at the Jam… then ‘Yes’! I am planning to bring you a blog in the very near future, to tell you all about it and I’ll be taking some pics on the day to give you a little more insight. I hope this will be especially helpful for those of you that have also never been to a jam and wondering what they are all about!
ANYWAY, for now I bring you a new Step By Step design! This is how I paint my Wonder Woman Crown, based on the crown worn by Gal Gadot in the latest DC Movie. I also paint the regular style crown, but this one tends to be a bit trickier with so many overlapping pieces and with it needing to be as symmetrical as possible!
So, I hope this SBS helps you to speed up the design on the job and give the children and parents a real “wow” factor moment. I know it’s certainly a design that I’ve found brings the, “Oh! Wow!” whenever I have painted it. Enjoy!
Don’t forget to follow me on my other social media platforms for more tips, tricks, tutorials and generally see what I am up to!
Natalee Davies – Tigress
DFX Essential White
Superstar Valentine Shimmer
The Face Painting Shop – ½ Short Angled
Round Number 3
The Face Painting Shop – Liner
SMASHING GENDER STEREOTYPES
How do you deal with it? The icky parent who overturns their son’s request for a unicorn or rejects their daughter’s desire to be a superhero because it just doesn’t fit with their ideas of gender identity.
In their first years all children love colour – both male and female toddlers love rainbows, flowers and glitter and will freely and without embarrassment ask for them. Parents are usually happy to go along with this until they seem to reach late pre-school, early Primary school when ideas of what it means to be a ‘boy’ or ‘girl’ become entrenched. What does this mean? Well from experience it means girls are supposed to like pink, fairies and butterflies (“She’d like something pretty and girly”) and boys only want something nasty, scary or action-themed and, for whatever reason; social conditioning, peer pressure or genuine desire, these are the patterns which occur. Ok so what’s wrong with all this? Surely it’s normal for boys and girls to want different things?
Firstly, we have to be clear what ‘normal’ means, I think we can all agree that we are right to encourage people to be who they want to be and if that means stepping outside society’s defined ideas of gender then good! Girls generally have an easier time of asking for a superhero than a pre-teen male wanting a fairy but I still hear the cry “because she’s a tomboy” from peers and parents and it’s a rare parent who allows their son to be Elsa or a butterfly without some reference to it from mum or a shuffling of feet and shrug of shoulders from the dad. As artists working with children we need to re-define boundaries so that boys and girls are not only comfortable and confident asking for the design they want but parents are taught that it’s ok.
So how do you deal with it? Listen to the parent or the child? My preferred method is the ‘I can’t hear adults’ one – lean closer to the child and ask them quietly what they’d like. It’s pretty effective but can take guts when you first start out for fear of not pleasing the people who are ‘in charge’. Or go loud and confident, ask boys what they’d like and include rainbow and unicorn. Ditto girls with monsters and vampires. For many children, and adults, face painting is an escape and we as face painters have the poser quite literally in our hands to help make a person’s wishes come true. It’s a real privilege and responsibility and we all need to remember to use that power wisely.
January is usually quieter for most of us so it is the perfect time to do something I don’t do enough of any more; PRACTICE. I would like to rangle more adult face-painting this year so I am creating new eye designs. But what to use for inspiration? You can always use other painters work as a reference, I like to analyse Brierly Thorpe and Caroline Tropicalbird’s on-the-job photos, I want to get that beautiful flow and balance. I also went on Karen Huwen’s advanced face-painting course last year at Eleven16 Studio and want to utilise more of what I learnt about layering, stencils and liquid bling. But I hate to straight up copy designs from other artists, so where to get my inspiration?
Below is an official statement from Cameleon
All Cameleon Professional Face & Bodypaint UV products carry the cosmetics regulation code
1223/2009 to verify that their products and ingredients are tested to the highest standard for skin
safety. This code is clearly displayed on the labelling of all Cameleon products.
Cameleon has always labelled all of it’s products, including UV, in compliance with strict EU & FDA
regulations and guidelines in accordance with the labelling of cosmetic products.
All Cameleon UV was re-tested for safety updates regarding ingredients and pigments in October 2018.
After review, Cameleon are pleased to announce that they are able to remove the wording which
states “not for cosmetic use” from it’s future labelling of UV. However, in accordance with EU and
FDA regulations the wording “for special fx only” will remain in place because UV is classified as an SFX product.
Cameleon cannot comment on policies set out by any insurer in regards to obtaining public liability
insurance for using sfx products. This is for individual artists to discuss with their retrospective
insurers as it would be in regards to public liability insurance for all products any artist uses.
Cameleon would like to remind users of it’s UV products that they are SFX products and therefore
their advice has always been and remains to be that they do not advise the product to be used on
children and that none of their cosmetic products are advised to be used on children under 3 years old.
All of the Cameleon product range, including all of it’s UV products are high quality, skin safe,
professional paint which is cruelty free and vegan.