What is Tattoo Insurance?
Tattoo and piercing insurance—referred to as tattoo insurance, tattoo liability insurance, tattoo shop insurance, and tattooist insurance—is business insurance designed to protect your tattoo parlor, your employees, and your customers. Tattoo and body piercing insurance are often grouped into a package.
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—you're 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 you must protect your tattoo and piercing shop 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 coverage.
- 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
- Apprenticeship programs
- Guest artists
- Independent contractors
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 liability policy into place to protect your business. It's especially important for tattoo artists who travel or work at conventions to make sure they're protected with the proper professional liability insurance.
Types of Insurance Available for Tattoo Shops
There are quite a few insurance options available for tattoo parlors. It can be a lot to wrap your head around—don't hesitate to talk with one of our agents about the right shop insurance package for your business. Here are some of the options available:
- General Liability Insurance: This provides coverage for property damage or personal injuries to a client on your premises. For example, if a visitor slips and falls and gets injured, general liability coverage helps cover associated costs of the lawsuit or claim as well as their medical expenses. Employees are not covered under this type of policy.
- Professional Liability Insurance: You (as well as your named employees) can be protected against malpractice claims when a tattoo artist or body piercer severely injures a client or does shoddy work.
- 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. It often covers the building, outdoor signage, furniture, equipment, inventory, fence, and landscaping.
- Commercial Umbrella Insurance: This insurance provides additional coverage to your general liability policy. If your benefits are exhausted under the general liability policy, this provides additional coverage in the event excess damages are awarded in a lawsuit. 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. A business interruption policy can pay you for lost income, as well as ongoing expenses such as advertising, mortgage, advertising, taxes, and salaries. It also 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 Insurance: If your tattoo parlor has employees, this will cover their medical expenses if they are injured or become ill on the job. In the event they initiate a lawsuit, you are provided an attorney and their fees may be covered as well.
- Business Owners Policy: A business owners policy (BOP) is an insurance policy that combines general liability, commercial property insurance, and business interruption insurance coverage. Coverages included varies from insurance company to company. However, businesses can often opt-in for additional coverage, such as crime, forgery, fidelity, and more.
Additional Coverage Tattoo Artists Should Consider
We've covered all of the basics above. Some additional liability coverages you could consider (or sometimes add to a BOP) include:
- Communicable & Infectious Disease Coverage: People can sue if they believe they contracted a blood-borne illness or communicable disease 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 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.
- 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).
- Apprenticeship Program Insurance: Most tattoo artists have to go through an apprenticeship to become licensed. Insurance for tattoo apprentices will cover you, your employees, and your apprentices while working under your supervision.
- Sexual Abuse Insurance: Because a tattoo and piercing business often works in intimate areas on a customer, it is important to have coverage if you're accused of sexual abuse or inappropriate contact. It will cover the costs of lawsuits and settlements.
- Guest Artist or Piercer Insurance: This will allow you to add a guest tattoo and piercing artist to your insurance policy temporarily.
- Coverage at conventions: This endorsement can be added to your policies to include general liability and professional liability while you are offering your services at a convention and off-site of your normal business premise.
How Much Does Tattoo Shop Insurance Cost?
Tattoo shop and piercing insurance costs vary depending on numerous variables, including but not limited to:
- Number of employees/apprentices
- Services offered (tattoo, permanent makeup, piercing, etc.)
- Size and age of the shop
- Coverage chosen (plus deductibles, liability limits, etc.)
The average cost of tattoo insurance usually between $55 and $75 a month for general liability ($1,000,000/$2,000,000) and is usually under $100 a month.
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.
Related Articles: Microblading Insurance, Professional Liability Insurance