What type of liability coverage is advisable for PMU practitioners?

• A. General liability and professional liability (malpractice) insurance.
• B. No insurance required.
• C. Property insurance only.
• D. Health insurance for yourself.

Answer: (A)

In PMU practice, protection against both accidents and professional mistakes is essential. General liability covers costs if a client is injured on-site or if your business activities cause property damage, such as a slip, spill, or damage to a client’s belongings. Professional liability (often called malpractice or errors and omissions) covers claims that your services caused harm due to negligence or errors in applying pigments, advising clients, or failing to meet the expected standard of care, including legal defense costs. Having both types of coverage gives broad protection for everyday incidents and for errors in the service itself, which is why it’s the advisable setup for PMU practitioners. This doesn’t replace health or property insurance: health insurance covers your medical needs, and property insurance protects your equipment and space, but neither addresses third-party injury or professional negligence.