Permanent Makeup (PMU) Insurance

Permanent makeup insurance is available exclusively to ASCP members who are certified or trained in pigment procedures such as eyeliner, lip blushing, microblading, ombre powder brow, and permanent makeup removal, to name a few. This is a supplement to the comprehensive liability policy included with ASCP membership.

If interested, ASCP members can simply fill out this application form to start the process of adding permanent makeup insurance. Want to know more about ASCP member benefits? Find out how you can become a member today and apply for permanent makeup insurance.

How do I know if this coverage is right for me?

If you can answer yes to the following three questions, you may be eligible for this advanced coverage:

  • Do you have proof that you have taken training in permanent makeup?
  • Are you practicing permanent makeup within the scope of practice authorized by the state in which you work?
  • Are you an ASCP member, or do you plan to be?

For information on scope of practice by state, ASCP members can go to the Advanced Esthetic State Regulation Info page.

How much does PMU insurance cost?

Discounted permanent makeup insurance is a benefit of ASCP membership. Upon acceptance of your ASCP Advanced Modality Insurance (AMI) application, you will be billed separately by Allied Professionals Insurance Company. You have the opportunity to pay in full, or in four quarterly installments. If you choose to pay in quarterly installments, you will incur a $10 service charge per payment.

Choose your pricing level:

  • Premier: Requires a signed informed consent form from every client for every new treatment performed.
  • Elite: Requires a signed informed consent form and a signed arbitration form from every client for every new treatment performed. (Samples: Informed Consent; Arbitration Agreement)

Calculate your cost by selecting your options below! 

*If selecting multiple modalities, you will be charged for the highest line item, plus $125 for Premier/$100 for Elite for each additional modality.

  Premier Elite
Pigment Procedures    
Microblading $592 $512
Permanent Makeup and/or Permanent Makeup Removal (saline only) $667 $572
Advanced Pigment Procedures (scar camouflage, scalp re-pigmentation, cheek blush, Permanent Makeup Removal -acid based)
Requires Permanent Makeup coverage
$300 $240
Laser/Light Energy Procedures    
Laser Hair Removal $1,210 $1,010
Advanced Laser Services and/or IPL $1,543 $1,277
Advanced Esthetic Services    
Esthetic peels up to 40%, electrology, needling/collagen induction therapy, non-invasive ultrasound, and hand-held cryotherapy, LED Facials (15+Joules of energy), Body contouring, cellulite reduction, radio frequency, high frequency, and cryolipolysis (not including Coolsculpting) $792 $672
Coolsculpting N/A* $922
Total Cost $0 $0

* Coolsculpting is only available at the Elite pricing level.
Pricing effective for start dates on or after 1/1/2024.

How do I apply for PMU insurance coverage?

ASCP members with advanced education can apply for permanent makeup coverage here.

Not yet an ASCP member? Join online today, and you’ll be eligible to apply for permanent makeup insurance. 


Permanent makeup is also referred to as cosmetic tattooing, micropigmentation, or micropigment implantation. This technique is achieved by inserting pigments into the dermal layer of the skin using a permanent makeup device with a very fine needle. Permanent makeup is performed to enhance your client’s natural beauty and give the appearance of makeup. It can also be performed to camouflage scars, stretch marks, or uneven discoloration.

Each state has different rules and regulations. Some states require a tattoo license while other states require training and certification under an esthetician or cosmetology license. It is not uncommon to apprentice before working on the public. In all states, proper training with hands-on experience should be obtained. Hands-on experience includes live models as well as practice skins.

During the initial permanent makeup procedure, the skin will be saturated with pigment and will swell. As the skin heals, it may reject some of the pigment. A second appointment will be necessary to fill in those areas that start to show less color. Once the tissue has completely healed, in about 4–8 weeks, the first touchup appointment can occur. To keep permanent makeup fresh and maintain desired results, your client should return every two years.

Each state has varying rules and regulations. As long as you are working within your state scope of practice and also carry an esthetic or cosmetology license, you are eligible for coverage. For information on scope of practice by state, ASCP members can go to the Advanced Esthetics State Regulation Info page.

Whether you are performing microblading only or other permanent makeup procedures, we’ve got you covered. Indicate all the procedures you are performing on your application to be sure you’re covered. If adding microblading to your existing permanent makeup insurance, the cost will be discounted to $0 and rolled into your permanent makeup coverage.

ASCP’s permanent makeup insurance includes coverage for eyeliner, lip liner, lip blushing, eyebrows, microblading, beauty marks, areola restoration, and permanent makeup removal with saline. Advanced pigment procedures like scar camouflage, scalp pigmentation, and cheek blushing can be added to this coverage for as little as $240.

Sample forms


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