Valuable Tattoo Studio Insurance Policies You Need To Have
Running a tattoo studio can be a highly profitable business, for $1.65 billion opens in a new window is spent on tattoos in the United States each year. Operating a studio doesnt come without risk, however, and its important for studios to protect against the risks they face by getting a robust tattoo studio insurance policy. If you own or run a tattoo studio, heres a look at some of the protections that are available through tattoo studio policies and why your studio should probably have them.
What Is Tattoo Insurance
Tattoo insurance from Alternative Balance is general liability and professional liability coverage specialized for the needs of the tattoo industry. This plan protects you from:
- lawsuits resulting from your tattoo work,
- slip & fall type accidents that happen to clients visiting your place of business, and
- damage to the space you rent or use for your work.
These coverages are essential to protecting your investment into your business and yourself as a professional tattoo artist. With the Alternative Balance plan, you dont have to be tied to one workplace. This tattoo artist insurance coverage follows you wherever you work, anywhere in the world!
Who Needs Tattoo Artist Liability Insurance
While there are plenty of internet memes out there that make fun of bad or incorrect tattoos, no one wants to be stuck with a mistake like that on their bodies. And for artists, having your mistake blasted across the internet can be very bad for business. Even the most experienced and reputable tattoo artists can make a mistake, so its important that shops carry this type of insurance policy to protect their staff, customer and bottom line. Additionally, anyone who could be named in a lawsuit that a client brings against a tattoo artist like tattoo shop owners should be named in the policy as well.
In addition to carrying comprehensive tattoo artist liability insurance, it is a good idea for shop owners to go the extra mile to prevent unhappy customers and injuries. One of the best ways to do this is to require your clients to sign waivers that show they have understood the risks involved with tattooing and they are aware of proper aftercare steps, etc. While this doesnt completely eliminate responsibility or the chance that a lawsuit may be brought against your staff or shop, it does help to limit some potential risks.
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Permanent Makeup Cosmetics Insurance
Many people enjoy the ease of getting permanent makeup like a tint on their lips, permanent eyeliner or eyebrows. Any damage or injuries to the face can deeply impact your clients life. They will sue you for much higher damages. Permanent makeup cosmetics insurance will protect you in these unexpected situations.
General Liability Insurance For Tattoo Parlors
All businesses, regardless of industry, face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance.
Some of the risks general liability insurance covers are:
- Bodily injury
- Legal defense and judgment
- Personal and advertising injury
While businesses arent legally required to carry general liability insurance, operating without it is extremely risky. If your business is sued, you could end up facing fees totaling hundreds of thousands of dollars . Having a sufficient general liability insurance policy in place to help compensate for these damages is the only way to prevent this type of event from devastating your business.
Get a Free Quote for Your Business
Business insurance is massively important to all businesses, whether large or small. Getting a quote will help you understand which coverages are right for your business and how much it will cost.
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What To Look For When Insuring Beauty And Tattoo Parlours In Canada
Beauty is more than skin deep. Firstly, if you own or manage a beauty parlour or a tattoo parlour you know that your clients seek your services because they trust you. They trust that the personal services your business provides are safe and meet government requirements for the industry.
Secondly, they seek you out because theres something about the services you provide that aligns with their aesthetic. They trust that your hairstylists, tattoo artists, pedicurists, piercing experts and aesthetic services providers will deliver a beautiful end result. And a feeling of contentment that will last long beyond their parlour appointment.
Trust is at the very heart of what we do. We know that small businesses across Canada are the backbone of economy. And we know that managing any small business means exposing yourself to risk.
This is why our team of commercial insurance experts are 100% focused on meeting the needs of businesses only, so you can trust that we know the best options in the market.
Its not easy to figure out what to look for when you are insuring a small business. And a beauty parlour or a tattoo parlour is even more complex. This is why weve pulled together some timely insights about what you should be looking for when you are buying beauty and tattoo parlour insurance in Canada.
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Tattoo insurance can cover your studio’s liability, the building, equipment and lost income after any damages. Is tattoo insurance coverage required? Treatment risk cover can be purchased by studio owners to provide protection for directly employed artists or it can be purchased by individuals employed as self employed artists.
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Get A Free Tattoo Insurance Quote
CommercialInsurance.net understands high-risk businesses such as yours. Many insurance services 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 running a profitable business in the face of a lawsuit or disaster is essential. Let an experienced agent 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 or complete the form above for a free, no-obligation tattoo or body piercing insurance quote.
What Insurance Does A Tattoo Artist Need
When youre thinking of starting a new profession as a tattoo artist or becoming the business owner of a tattoo shop, it is important to do some research to make sure youre covering all of your bases, such as making sure youre licensed and have all the paperwork you need to get started. One major consideration that is easy to overlook, is insurance.
Have you ever considered needing insurance? If you havent before, youre in the right place. Lets walk through the reasons why you need insurance as a tattoo artist, how to get it, and whats available so you can keep doing what you are passionate about, worry free.
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Why Does A Temporary Tattoo Artist Need Liability Insurance
Everyone in business is exposed to the possibility of a claim being made against them and a temporary tattoo artist is no exception. Awards for personal injury can be high and even the cost of mounting a defence against the most frivolous claim can be costly. Your temporary tattoo artists liability insurance can protect you against these costs.
Whats Not Covered By Tattoo And Piercing Insurance
Employee injuries are generally not covered by tattoo and piercing insurance. You can get separate workers’ compensation insurance to protect your business from employee injuries.
You will also need separate business interruption insurance if you want coverage for your business is interrupted because of natural disasters.
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Insurance For Tattoo Artists & Body Piercers
Professional Program Insurance Brokerage creates insurance programs specifically designed for tattoo shops and body piercing professionals. Whether you have just started or own large shops with multiple artists, we understand that each tattoo and body piercing shop has unique challenges. Over 25 years of experience has made us completely understand the insurance risk for tattoo and body piercing business. It enables us to provide specific and detailed insurance coverage for your business.
Protect Yourself Your Art & Your Business
Highly recommended for our studio Insurance.Knowledgeable, accessible, competitively priced and always helpful we are delighted with the service we have received from the team.
Antony Nicholls – Manager, Liverpool Tattoo Convention / Tattoo Royale / Design 4 Life Tattoo
I have used insurance world for my event for the last 5 years, and they have been invaluable, both with help and the service they provide. I also have had great advice from them regarding my shops, and the cover that suits me best. I would heartily recommend them
James Aitken, organiser of the Scottish Tattoo Convention and owner of Main Street Tattoo
Tattooinsure is a Trading name for Treelyn Limited.Authorised and regulated by the Financial Conduct Authority.
If you cannot settle your complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment.The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR. Website: www.financial-ombudsman.org.uk
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What Is Public Liability Insurance
Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.
In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example
Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.
What Insurance Do I Need For A Tattoo Shop
Give it a share!
There is only actually one type of insurance that is required for a tattoo shop, and thats public liability insurance, however this shouldnt be the only type of insurance that you consider as it might not cover you for everything you expect.
Dont be thinking that public liability insurance is localised to the tattoo world either as its something that all business owners are required to have in order to protect themselves and their customers.
It might all sound a bit scary, but unfortunately in this day and age, insurance is something you must consider if youre looking to open a tattoo shop but that doesnt make understanding what insurance you need any easier.
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Great American Insurance Group
Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.
Their lead insurer, Great American Insurance Company, is rated A+ by A.M. Best.
Tattoo Artist Insurance: Things To Remember Before You Buy
Before you purchase cosmetic tattoo insurance, keep these key factors in mind:
- All small businesses should carry some form of liability coverage. However, tattoo shops have a special set of risks to consider and should purchase coverage accordingly.
- The tattoo services industry in the USA brings in more than $1.6 billion each year, with plenty of room for error.
- Even the most skilled and experienced artists can make mistake! Dont skip this important coverage just because you have a great team in place!
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Typical Costs Of Tattoo And Piercing Insurance
The typical cost of tattoo and piercing insurance varies depending on how much coverage you want. The average cost for tattoo and piercing insurance is around $1,000 with a $2 million coverage.
The cost depends on the number of employees you have and what services you offer. If you offer additional services like tattoo removal and permanent makeup, you could end up with higher premiums.
The size and age of your business also impact your cost. Your training and experience can make a difference in the total premiums you pay. The more training and years of experience you have, the better the premium rate you can get. As a young tattoo artist just starting out, there’s a greater risk of mistakes and errors. Your premiums will reflect this.
The location of your business can increase your premiums, especially if youre in a high-risk neighbourhood. If there’s a higher crime rate, there’s a greater risk of theft and vandalism. This can increase your premiums.
Tattoo And Body Piercing Insurance
Tattoos and body piercing insurance, once done only by fringe members of society, is now common among adults of all ages and social classes. In recent years, many new tattoo shops have opened up across the country. Nearly all of these businesses are small and privately owned. Of course, owning this type of business is not without its risks, so it is important to protect the operation you run with a suitable tattoo and piercing shop insurance policy.
Tattoos in America
- There are currently more than 21,000 tattoo parlors in the United States
- Approximately 45 million Americans have at least one tattoo
- An estimated 40% of adults between the ages of 26 and 40 have at least one tattoo
- Americans spend more than $1.6 billion each year on tattoo services
- The average cost of a small tattoo is $45
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Is There A Self
Yes, there is. Tattoo artists who run their own small studios, do tattoo sessions in their house, or at the house of the client can opt to get self employed tattooist insurance. This has general liability coverage and professional liability coverage. For tattoo artists who go to their clients address for tattoo sessions, self-employed tattooist insurance also offers commercial auto insurance as an additional option.
Note that self-employed tattooist insurance is easier to get than commercial tattoo insurance. This is because there are lesser requirements to qualify.
However, those who do tattoo sessions in their home or at the clients home must not expect cheap rates. Even though most states do not prohibit it, tattoo sessions at home lead to higher possibilities of infections to the clients tattoo and other exposures.
Workers Compensation Insurance And Disability Insurance For Tattoo Artists
The hands are the bread and butter of tattoo artists. Severe injuries to the hands will make it impossible for tattoo artists to work. While its not possible for tattoo artists to insure their hands only, its possible to get protection against injuries to the hand and other body parts through worker’s compensation insurance.
Tattoo artists can get worker’s comp for themselves so that theyll have a policy that provides coverage for the treatment of hand injuries and lost income compensation.
Tattoo shops can get worker’s compensation insurance for their employees if they choose to do so.
One thing to note though is that workers comp will only apply if a work-related injury impaired the hands.
With that said, if a tattoo artist’s hands got injured during a car accident, then workers comp wont provide coverage even if its active. And so, we recommend tattoo artists also get disability insurance for themselves as it will cover injuries that didnt happen at work.
Workers comp insurance and disability insurance are almost the same in the sense that:
-
Both have an elimination period, which is the length of time the policyholder has to wait before receiving money through insurance
-
Provides money based on the policyholders income
-
Helps to pay for hospitalization and other medical expenses
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Tattoo Insurance Coverage Is Often Not Required
Although most states dont require a tattoo shop or artist to carry business insurance coverage, many professional shops and artists are insured, says Susan Preston, president of Professional Program Insurance Brokerage in Novato, Calif., which offers tattoo insurance.
Maggie Phillips is a business insurance consultant with ISU Insurance Services of Westlake in Westlake Village, Calif., who helps tattoo artists and shop owners buy specialty insurance. She says consumers never should assume a tattoo artist carries insurance. If a shop or artist lacks insurance, youre left with the medical bills for removing a botched tattoo or treating an infection. Filing a lawsuit may be your only route for getting money to cover those expenses.
I carry coverage just in case. Despite being careful and taking all safety precautions, you never know. Something can go wrong, says Max Fine, a tattoo artist in the Chicago area.
On the flip side, South Carolina tattoo artist Teri Yaki says she doesnt have liability coverage. And neither does anyone she knows who does tattooing.
Phillips says that if a tattoo artist is insured, infections are covered under the policys professional liability section. Inkers remorse, on the other hand, might not be covered. Some insurance policies wont cover a claim if you decide you dont like the color of your tattoo or you regret getting it, Phillips says. It may only cover claims where the artist injures the client.
Cost Of General Liability Insurance
The average tattoo parlor in America spends between $450-$750 per year for $1 million in general liability coverage.
Check out the chart below for a snapshot of average general liability insurance expenditure across a variety of industries:
Several factors will determine the price of your policy. These include your:
- Location
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owners policy rather than as a standalone policy. A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
Your Business Needs Insurance
Find out which policies your business needs and how much it will cost by getting a free quote today.
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