What is Tattoo Insurance?
Tattoo insurance—referred to as tattooist insurance, tattoo liability insurance, and tattoo shop insurance—is a business insurance designed to protect your tattoo parlor, your employees, and your customers. Tattoo and body piercing insurance are often grouped together.
Why Having the Right Tattoo Insurance Is Essential
Body adornment with tattoos has been around for eons. The artistic skill required to be a tattoo artist is impressive—your are truly a professional. But tattoos and body piercings breach the skin—potentially exposing people to infections and other complications such as allergic reactions, keloids (excess scar tissue), itchy rashes, and granulomas. Some of these may even occur years later. Additionally, if the equipment becomes contaminated, blood-borne diseases such as Hepatitis B and C, or MRSA, can also be transmitted. That's why it's imperative you protect your business with the right insurance policy.
Who Needs Tattoo Insurance?
If you are a tattoo artist, own a tattoo and/or body piercing shop, or are any of the professionals included below you should consider tattoo commercial insurance.
- Tattoo artists
- Tattoo and body piercing shops
- Microblading professionals
- Permanent makeup providers
- Tattoo parlors/shops
- Body piercing business
- Tattoo removal services
- Scar camouflage
- Traveling artists
- Tattoo apprentices
- Guest artists
Is Tattoo Insurance Required?
Requirements for tattoo insurance vary depending on the state you conduct business in. While it may not be legally required everywhere, it's important you consider putting a policy into place to protect your business. It's especially important for tattoo artists to travel or work at conventions to make sure they're protected.
Types of Insurance Available for Tattoo Shops
General Liability Insurance: This provides coverage for property damage or personal injuries to a client on your premises. For example, if visitors slip and fall and become injured, general liability coverage helps cover associated costs of the lawsuit or claim. Employees are not covered under this type of policy. Here is what is typically protected:
- Abuse coverage for liability
- Attorney fees and damages you are legally responsible for
- Lawsuits, including investigations and settlements
- Medical expenses
Commercial Property Insurance: This insurance provides coverage in the event of disasters and catastrophic events. Whether you lease or own the property, you can protect your assets, building, and contents as well as any signage. This coverage is useful in the event of a fire, burst water pipes, and storms. Here's what it often covers:
- Building and outdoor sign
- Furniture, equipment, and inventory
- Fence and landscaping
Commercial Umbrella Insurance: This insurance provides additional coverage to your general liability policy. If your benefits are exhausted under the GL policy, this provides additional coverage in the event excess damages are awarded in a lawsuit. Basically, it provides backup protection while keeping your premiums down.
Business Interruption Insurance: If your business is impacted by a storm or other occurrence that forces you to close (loss of natural gas, phone services, internet, or water) for more than a day, it can be very costly to operate out-of-pocket. That’s where business interruption insurance comes in. Here's how it can help:
- Your policy can pay you for lost income, as well as ongoing expenses such as advertising, mortgage, advertising, taxes, and salaries
- It covers temporary relocation expenses, including related advertising fees
Commercial Auto Insurance: This type of coverage is recommended if you attend conventions or events and perform your services away from your tattoo studio.
Worker's Compensation: If your tattoo parlor has employees, this coverage will protect you in the event they are injured in the course of performing their work. In the event they initiate a lawsuit, you are provided an attorney, and their fees may be covered, as well. This typically doesn't apply to contractors not employed by the business.
Business Owners Policy: A business owners policy, or BOP, is an augmented insurance policy that combines general liability and property insurance coverage. It protects business owners against business interruption, loss of income, property damage, and liability. Coverages vary among insurance providers; however, businesses can opt-in for additional coverage, such as crime, forgery, fidelity, and more.
Additional Coverage Tattoo Artists Should Consider
Communicable & Infectious Disease Coverage: As a tattoo shop owner, you take great care to protect your clients' health. However, people can still sue if they believe they contracted by a blood-borne illness as a result of their tattoo or body piercing. Although some of these lawsuits have no merit, defending yourself can be very costly. Tattoo shop insurance or body piercing insurance can save your business.
Medical Payments Coverage: While medical payments are normally covered under general liability insurance, this coverage provides additional monetary limits when someone gets injured on your premises. Some plans even provide full coverage for medical payments associated with such an injury.
Professional Liability Insurance: You, as well as your named employees, can be protected against malpractice claims when a tattoo artist or body piercer severely injure a client or does shoddy work. Professional liability insurance also protects your staff in the event of abuse and molestation claims from clients.
From decorative tattoos to tattoo removals, insurance needs to be a core component of your business operations. Our expert insurance agents at CommercialInsurance.net will discuss your business needs and help you assess the types of policies that make the most sense.
Microblading or Permanent Makeup Insurance: Some tattoo shops offer microblading and permanent makeup services. In Florida, microblading can only be completed by a licensed tattoo artist in a tattoo parlor. If you offer comprehensive services, consider adding this coverage (or finding an insurance provider that combines them).
What a Tattoo Professional Needs to Know
If you are an apprentice at a tattoo shop make sure you check with the business owner that you are covered under their insurance policy while you're learning under them. Likewise, if you are a guest artist at a tattoo shop be sure to ask the business owners if they've added you as a temporary employee under their insurance policy. If you frequently attend and work at conventions, make sure your policy protects you and your property while you're working off-site.Apprenticeship program insurance
Get a FREE Tattoo Insurance Quote
CommercialInsurance.net understands high-risk businesses such as yours. Many insurance companies and brokerages shy away from insurance for tattoo artists, making it difficult to obtain a quote. But CommercialInsurance.net has many years of experience that allow us to provide you with specific and detailed coverage connections for your business.
Tattoo insurance providers recognize the exposure and risks associated with operating this type of business. Staying operative and profitable in the face of a lawsuit or disaster is essential. Let CommercialInsurance.net create a comprehensive and affordable package that provides security for your business, including your services, property, equipment, and staff.
We'll provide business insurance quotes and compare plans from multiple insurance companies, making sure you have the right coverage in place. Contact us today by giving us a call at 1-877-907-5267 or complete the form above for a free, no-obligation tattoo or body piercing insurance quote.