Business Insurance For Tattoo Shop

Tattoo Artist Liability Insurance

Tattoo artist liability insurance is a form of professional liability insurance. As such, it provides protection should an artist make a mistake while inking a customer. Most tattoo artist liability protections extend to both mistakes that injure customers and those that result in incorrect tattoos.

Because everyone is liable to make a mistake at some point in time, this is a protection that every tattoo studio should have. A number of tattoos may be ironically funny, but customers who get such tattoos by mistake rarely find the humor in them. Instead, customers can become quite upset and sue. If they do sue, tattoo artist liability protection will likely help pay any legal fees and settlements associated with the lawsuit.

When getting tattoo artist liability insurance, its important to make sure the coverage will provide comprehensive protection against mistakes. Specifically, this type of insurance should include:

• coverage for guest artists
• coverage for off-site work
• coverage for independent contractors

All of these coverages should be included automatically, so a paperwork snafu never jeopardizes your studios protections.

Thimble Henna Tattoo Artist Insurance

Why Get Insured by Thimble?

• Offers short-term tattoo artist insurance that lasts for an hour, a day, or a month

• Insures tattoo artists within minutes

• Allows the policyholder to get an online certificate of insurance

Why Take Thimble with a Grain of Salt?

• Only offers general liability coverage for tattoo artists

• Only insures Henna tattoo artists

Thimble offers insurance for henna tattoo artists. Its tailored insurance only offers general liability coverage with a $1 million – $2 million policy limit.

This company is perfect for Henna tattoo artists who only work part-time or during events. So why is this? This companys henna tattoo insurance is available as an on-demand and short-term insurance plan. Meaning that customers will get covered the day they decide to be insured. Furthermore, they can choose to only have coverage for hours, weeks, days, or months.

Is Tattoo And Body Piercing Insurance Required

Requirements for tattoo insurance vary depending on the state you conduct business in. While it may not be legally required everywhere, you must 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.

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Is Business Tattoo Insurance Worthwhile

Its an old truth that insurance is never worthwhile until about 5 seconds after youve had a major problem. In the cases above that involve personal injury, court awards following even relatively moderate instances of injury can be staggeringly high and potentially ruinous without insurance protection unless of course you have hundreds of thousands of pounds laying around spare!

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It may also be worth keeping in mind that you may have liability for people working on your behalf even if they are not employees as such. Temporary or contract workers or even a friend lending a hand may involve you in serious risk if they are hurt in the process.

If you are employing people you may find that employers liability insurance is a legal requirement. If in any doubt it may be worthwhile taking specialist advice being legally liable for an injury and in contravention of the law may not be a lot of fun!

Get The Insurance Your Business Needs

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Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

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We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you – up to 20% less than policies with other insurance companies.

Experienced

We’re part of Warren Buffett’s Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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What Is General Liability Insurance

If you want to ensure that your small business has financial protection from unforeseen claims, general liability insurance is a smart investment. While its not always required by law, it may be required by certain contracts or lease arrangements. With a general liability policy from biBERK, its easy to get protection from the costs of:

Property Damage

When customer property is damaged by an employee, your coverage may pay for a replacement. For example: Your contractor accidentally sets fire to a building they are working in, and repair costs will exceed $150,000. Now, you may be liable to pay for the damages and construction costs. With small business general liability insurance from biBERK, you would likely have help covering the costs of those damages.

Bodily Injury

If someone other than an employee is injured on your property, this coverage can take care of medical expenses plus legal expenses and damages.

Product Liability

If products developed or sold by your business harm people or property, this coverage can pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

Libel, Slander, and Copyright

This coverage can pay for lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

Tattoo Shop Business Plan

Over the past 20+ years, we have helped over 500 entrepreneurs and business owners create business plans to start and grow their tattoo shops.

If youre unfamiliar with creating a tattoo shop business plan, you may think creating one will be a time-consuming and frustrating process. For most entrepreneurs it is, but for you, it wont be since were here to help. We have the experience, resources, and knowledge to help you create a great business plan.

In this article, you will learn some background information on why business planning is important. Then, you will learn how to write a business plan step-by-step so you can create your plan today.

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Body Piercer Liability Insurance

Body piercing insurance is similar to tattoo artist liability insurance, except this coverage provides protection for piercings rather than tattoos. Should an artist make a mistake while piercing a customer, this insurance coverage will usually help cover any legal costs and settlements that arise from the incident.

Assuming your tattoo studio is like most and provides piercings, youll want to make sure this coverage is included in your studios tattoo shop insurance policy. Additionally, it should cover all the types of piercings that your studio does, including both surface and genital piercings if both are offered. Without this protection, your tattoo studio would only be insured for half of the work it does.

Get The Coverages Your Tattoo Studio Needs

In summary, all tattoo studios face risks and need insurance to protect against those risks. Three of the coverages that should be included in your studios tattoo studio insurance policy are:

• tattoo artist liability insurance
• body piercer liability insurance
• workers compensation insurance

For help finding a tattoo studio insurance policy that has all of the protections your studio needs, contact us at Marine Agency Insurance. Weve been insuring tattoo studios for over 25 years, and well make sure your studio is well protected.

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Is Tattoo Insurance Required

Whether or not you are required by law to carry tattoo liability insurance is dependent on where your shop is located. Each state mandates different laws governing the running of these businesses. Be sure to check the laws in your state before you open for business.

Other cases where you may be required to carry a tattoo business insurance policy are if you have taken out a business loan and it is required by your lender, or if you rent your shop space and insurance is required as a term of your lease.

Regardless of whether or not you have a requirement to carry this insurance, it is an extremely good idea to do so. Your shop faces a number of risks that could potentially put you out of business. A tattoo insurance policy can prevent these hazards from bankrupting your company.

Tattoo and Piercing Shop Insurance Provides Liability Coverage

Tattoo liability insurance coverage is particularly important. Lawsuits against tattoo artists and businesses are on the rise as more people are getting inked. Even cases that are thrown out of court can break a business due to the high cost of legal defense. Tattoo liability insurance will protect your business by covering court-imposed fines as well as any legal fees associated with a covered event. Liability coverage options you can choose from include:

Tattoo Shop Insurance Provides Property Damage Coverage

Tattoo Insurance Has Other Coverage Options

Is Tattoo Insurance Expensive?

Tattoo Studio Insurance

Tribal Ink Tattoo Insurance That Works For You

As a leading national provider of tattoo insurance, we at Mourer-Foster, Inc. understand all that goes into running a tattoo shop, body piercing parlor or permanent make-up salon.

We offer liability insurance coverage for the following:

• Tattoo Shop Insurance
• Permanent Make-Up Artist Insurance
• Body Piercing Insurance

We work with our clients in the tattoo and piercing industry to provide personal service that is second to none. We are continually committed to staying focused and knowledgeable of your business and look forward to serving you for years to come.

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What If Im A Contractor Or I Operate My Business Out Of My Home

You could still benefit from general liability insurance as a freelancer, contractor, or home business owner because you face many of the same risks as brick-and-mortar businesses. General liability insurance can be important to your small business because:

It Provides Financial Protection

Freelancers, contractors, and home business owners can be sued for damaging client property or causing injury. A general liability policy covers related costs.

It May be Required by Law

State and federal law requires general liability insurance for independent contractors in certain industries such as construction.

Clients Require Insurance

Some companies require that contractors and freelancers have insurance because it protects the company from financial loss due to their actions.

Do You Need Different Insurance To Do Piercings

There is specific insurance for piercing artists but to basically covers the same types of issues that an artist may run into. If an artist makes a mistake while piercing a client, liability insurance will cover mistakes that cause injury to the client. This includes coverage for legal costs and any necessary settlements.

Within your insurance policy, its important to make sure that all types of piercings are covered. For example, some insurance companies may not provide coverage for genital piercings, and without coverage for those types of piercings, you or your shop could find yourselves vulnerable to lawsuits for mistakes for that specific type of piercing. This doesnt necessarily mean that you cannot still do those types of piercing services, but it does mean that those types of piercings will not be covered by your insurance policy.

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Common Situations That General Liability Insurance May Cover For A Tattoo Parlor

Example 1: One of your clients suffers an ear infection after getting a piercing at your tattoo parlor. The ear infection gets worse over time and causes the individual to lose hearing partially in that ear. Before the problem is diagnosed, the individual runs up bills to his doctors in the tens of thousands of dollars. General liability insurance will probably pay any legal fees or settlements that are due to this person because of the incident.

Example 2: A customer trips and falls over a misplaced box of supplies, suffering an injury on site. After not being able to work for a month and accumulating substantial medical bills, they decide to sue the tattoo parlor. General liability insurance will protect the business from the numerous expenses that could come from this situation.

Of course, this is not an exhaustive list of perils a general liability insurance policy will cover, and some conditions may result in a particular peril not being covered. Its always best to talk to your agent in-depth about the specifics of your policy to avoid blind spots in coverage.

Learn more about the risks covered by general liability insurance.

How Much Does It Cost

There are a variety of factors that help to determine a premium thats right for your tattoo business. However, for a rough estimate, tattoo insurance premiums start at around $1,000 a year for a professional liability package with a $2 million limit.

To get an accurate quote for your business, complete a quick quote online well ask you questions that help us to understand your needs and coverage requirements. Here are some of the criteria youll be asked about to determine the best policy options for you and your business:

• The types of services you offer
• Training, education, and years of experience
• Safety and sterilization standards

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Forging Shop Insurance Property Damage Coverage

Setting up your tattoo and piercing store requires a large initial investment. Most of the money you spend will go to the content of your business, from furniture to equipment. Without proper insurance, a disaster like a fire can completely destroy both your business and the investment youve made. Fortunately, you can protect your assets with insurance coverage such as:

• Property insurance: Also known as content insurance, this insurance compensates for losses in your tattoo guns, body jewelry, chairs, tables, and décor. Losses covered usually include those caused by fire, severe weather, vandalism and theft. Some weather events, such as earthquakes, may require additional approvals or drivers for you to have coverage.
• Outdoor signage and window insurance: Many business policies do not cover outdoor signs and windows, whether on windows or in shop windows. In these cases, you will need to purchase separate endorsements to obtain this coverage. Be sure to check the terms of your policy to find out if you need this supplemental insurance and if it is available through your insurance provider.
• Building insurance: Most tattoo shop owners rent it out instead of owning the shop space. If you own the building where you run your business, make sure its properly covered for fire and fire damage. If you work outside of your home, check with your homeowners insurance provider to find out if you need an additional driver to protect the area where you do business.

Commercial Property Insurance For Tattoo Studios

Tattoo shops don’t only have to worry about their liability to third parties. There are other perils to think about such as the destruction of stocks, business equipment, and other physical assets. And so, tailored tattoo shop insurance or tattoo studio insurance includes commercial property insurance.

The primary function of commercial property insurance is to cover the commercial building of the tattoo studio. It will:

• Reimburse the losses of the policyholder if fire or extreme weather totally destroys the commercial building. The amount of reimbursement is equal to the current market value or the original market value of the commercial building

• Reimburse losses of the policyholder if fire, extreme weather, vandalism, theft, and other covered perils caused damage to the commercial building. The amount of reimbursement is equal to the value of the damage incurred

Theres business equipment and tools coverage in commercial property insurance for tattoo studios. Business equipment and tools coverages function is to reimburse losses when tools and equipment used in tattoo service become lost or damaged due to theft, fire, vandalism, and other covered perils. Common tools and equipment covered are:

• Tattoo beds or reclining chairs

• Tattoo machines

• Tattoo scanner and design computer

• Tattoo lighting systems/kits

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Tattoo Shop Insurance Explained

It is a specific type of insurance policy that is designed to meet the unique needs of a tattoo shop owner. With the right policy in place, you will be on the right track for making certain that your tattoo parlor continues to be a profitable business for many, many years in the future.

You have to deal with so many different risk exposures as a tattoo artist running your own shop. For this reason, you need to invest in a Tattoo Insurance policy that effectively addresses all of these risks and will help you keep your doors open even when disaster strikes.

In some cases, depending on where your tattoo parlor is located, you may be required by law to carry Tattoo Artist Insurance. Each region has specific laws that govern the operation of this type of business, thus you will need to check with the laws in your area to determine the exact type of coverage you will need to include in your policy.

If you take out a loan with a bank in order to get your tattoo parlor up and running, the financial institution may require you to carry a certain amount of Tattoo Shop Insurance. The reason for this is that should your business ever be forced to close the doors because of an expensive lawsuit or natural disaster, the bank will still get their money.

What Are The Risks

Sadly, there are quite a few of them.

Your business involves, quite literally, people contact. Whenever you deal with people directly there are risks involved. Just a sample of these may include:

customers that suffer injury or illness they attribute to your activities customers or members of the public who suffer injury on your premises or as a result of it such as a falling roof slate or tripping on a raised carpet a customer who suffers injury as a result of one of your products an employee who suffers injury while working on your behalf business premises and equipment destroyed by natural disaster such as a flood or fire . The list could be continued but the message may be clear your tattoo business may be at risk unless you have tattoo insurance in place and, if necessary, commercial buildings insurance.

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