Please see health and safety video HEALTH & SAFETY Please see health and safety video

INSURANCE REQUIREMENTS

INSURANCE REQUIREMENTS Why do we need insurance?.... To protect artists against: Legal claims Loss Damage

THERE ARE SEVERAL TYPES OF INSURANCE: INSURANCE REQUIREMENTS Professional indemnity Public liability Theft, loss or damage of make-up kit and equipment Employer’s liability In small groups, devise a definition of each insurance recommendation…. There are several types of insurance: Professional indemnity Public liability Theft, loss or damage of make-up kit and equipment Employer’s liability In small groups, devise a definition of each insurance recommendation….

PROFESSIONAL INDEMNITY As a practising Make-up artist, you have a responsibility you must maintain to your clients, any breach of that responsibility could lead to a claim against you. This insurance will protect you against having to pay damages and legal costs should a claim be made against you. It is crucial that every make-up artist have this insurance. It will protect you against: Libel and slander Breach of confidentiality Loss of documents Breach of professional duty

PUBLIC LIABILITY… This is a ‘third party’ liability insurance whish covers both property damage and personal, bodily injury. It will protect you as a make-up artist against legal claims brought forward by a client and or members of the public.

Theft, loss or damage of make-up kit and equipment Your kit will grow in value as you become more established and add to it throughout your career, it is therefore highly advised that you insure your products and tools accordingly. Whilst this insurance is not compulsory and the thought of paying additional monthly fees not very desirable, the cost of insurance will undoubtedly be worth it should your kit every become lost or damaged.

Employer’s Liability (compulsory Insurance) Act 1969 & Employer’s Liability (compulsory Insurance) Regulations 1998 This is an “employer’s” insurance to protect against the personal injury of their employees. It protects the employer against compensation and legal costs that may arise following accidental death, injury, illness and disease. All employers are required to display a certificate of insurance that covers every employee for no less than £5 million each.

Recommended insurance providers… Offers a basic student insurance from as little as £33 per year. Covers claims £125 and over Public and Products Liability (£1,000,000) Professional Treatment Risk (£1,000,000) Financial Loss (non-injury) (£10,000)

Salon Gold and other insurance providers will….. Provide an option for you to cover yourself for a wider range of policies: Stock and Equipment Cover Money and Assault Cover Personal Accident (it’s worth insuring your hands) Legal Expenses Cover

UNIONS

Why join a Union? As a freelance artist it can be daunting and confusing when in comes to knowing your working rights. Unions provide support by helping you to understand the laws and legalities that protect you and give you an explanation of your rights and entitlements whilst working. A union will support and safeguard you when it comes to queries regarding sick pay, holidays, pensions and shift work. Generally if you are part of a union you will receive a higher rate of pay also.

BECTU Broadcasting, Entertainment, Cinematography & Theatre Union BECTU is an advisory union for you working as a make-up artist that can give you all the information you need in the following areas: Rates of pay Negotiating contracts of employment Insurance packages Provide one to one support Guides on tax Informs on recommended training and networking events

You can join the BECTU student Register free of charge, this is advised because through joining you can access lots of crucial documents free of charge that will help you familiarise yourself with your industry and you entitlements whilst working within the sector of make-up artistry.

TAX FOR THE SELF EMPLOYED

TAX EXPLAINED….. Tax is one of the biggest challenges facing the self-employed in the creative sectors. The rules can be complex and are subject to change dependant on the government’s annual budget and policy as set by Her Majesty’s Revenue and Customs (HMRC). In addition, there is pressure on employers to deduct tax and national insurance contributions at source (through the payroll) from the freelancers they hire, which makes record keeping all the more important for the self-employed. Depending on the scale of your business you can do your own accounts or you can employ an accountant, just be sure to put aside 25% of all of your total earning for your annual tax and national insurance bill. As a self employed Make-up artist it is your responsibility to ensure you become familiar with the HMRC’s website www.gov.uk/browse/business

TAX FOR THE SELF EMPLOYED Why do some islands not pay tax? How important is tax? Can I get an accountant? How am I taxed if I have more than one job? How often do I pay tax? What is tax? What does VAT stand for? How much will I get taxed? What will happen if you don’t declare tax? How do I register as self employed? TAX What will happen if you are late paying tax? When do I start paying tax? Is NI different to tax? What records do I have to keep? How far can receipts be back dated? How do I log and claim for expenses? Do we have to keep receipts? When does the tax year start and end? What is classed as an expense? What benefits do we get for paying tax? How much is the tax free allowance? How do I claim tax back? How long do I need to keep receipts for? When am I classed as a higher rate tax payer?

EMPLOYERS LIABILITY INSURANCE ACT 1969 The act that requires employers to carry insurance against personal injury of their employees.

PUBLIC LIABILITY INSURANCE Protects you if a member of the public tries to sue you

PERSONAL INDEMNITY INSURANCE If you are alleged to have provided inadequate advice/service to a client, this covers you for legal costs

LAWS & LEGISLATION

WORK PLACE POLICY LEGISLATION CODE OF PRACTICE It is the law suggested by the government and made official by parliament (everyone has to follow these) It is a set of written rules that explains how people working in a particular profession should have It’s a set of rules that aims to guide managers and workers on how to behave in the workplace WORK PLACE POLICY LEGISLATION CODE OF PRACTICE

NATIONAL LAWS AND HEALTH AND SAFETY WORK ACT 1974 Employers must protect the Health and Safety at work of all employees as well as others on the premises

WORK PLACE REGULATIONS 1992

THE PPE AT WORK REGULATIONS ACT 1992

THE CONTROL OF SUBSTANCES HAZARDOUS TO HEALTH REGULATIONS 1988 (COSHH) Employers need to either prevent or reduce their workers exposure to substances that are hazardous to their health.

ELECTRICITY AT WORK REGULATIONS 1989 Work premises to take precautions against the risk of death or personal injury from electricity involving work activities

THE RIDDOR ACT 1985 Reporting of injuries, diseases and dangerous occurrences regulations. Regulatory authority needs to be informed of the following: Arising out of or in conjunction with work activity. Fatality Major injury Hospital treatment Dangerous occurrents Disease

THE DATA PROTECTION ACT 1998