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What Insurance Does A Tattoo Artist Need

Where To Get A Nipple Tattoo

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A person can get a nipple tattoo from a member of staff at a plastic surgeons office or a qualified nipple tattoo artist.

Finding an artist who specializes in permanent areola and restorative tattooing is an important first step to getting a nipple-areola tattoo.

Although some individuals may have a tattoo artist in mind, others may ask a doctor, surgeon, or local cancer support group for advice or referrals.

Once they have found a potential tattoo artist, the person may find it beneficial to ask to see a portfolio of the artists work. They can also ask about the sterilization practices the artist uses and whether or not they have a private room for tattooing.

A person may not be eligible to get nipple tattoos if they:

  • have undergone radiation treatments that have damaged the skin
  • have breast skin is too thin
  • have lymphedema involving the chest
  • have a history of infections in the area of the breast

If a person does not want to undergo nipple tattooing or is unable to do so, other noninvasive options are available. Other types of nipple reconstruction include the following.

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Additional Steps To Protect Your Business

Although its easy to invest in business insurance, it should not be your frontline defense. Yes, insurance will compensate for your business financial losses after an incident occurs, but its much better to avoid losses altogether.

With this in mind, here are several things you can do to better protect your business:

  • Use legally robust contracts and other business documents.
  • Set up a limited liability company or corporation to protect your personal assets.
  • Stay up to date with business licensing.
  • Streamline your business internal processes. This will remove unnecessary variables from common tasks and create a safe, consistent environment for conducting business.
  • If your business is an LLC, look into LLC Insurance.

The Risk Of Viral Hepatitis From Tattoos

Tattoos are all the rage these days, with shows like LA Ink showing off tattoos and spotlighting tattoo culture. While tattoos allow you to express who you are in a permanent way, getting a tattoo carries a risk of developing an infection, especially if the tattoo artist doesnt use strict safety procedures.

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What Insurance Do I Need For My Business

If youre looking for Public Liability Insurance, a search online is a good place to start. There are plenty of companies who offer it and there are of course the usual search engine comparison sites to look at. Money Supermarket have a great overview of what is and some FAQs, with a section to then compare providers that can help you decide on the specifics youd like for your policy.

All quotes will be tailored to you depending on the size of your shop, the amount of people you have working for you and how much protection you want.

However, as weve previously mentioned, Public Liability Insurance shouldnt be the only type of insurance you consider. There might be some aspects you would assume it would cover but it doesnt, so its worth reading up on others to make an informed choice.

Wed recommend also looking into:

Tattoo Artist Insurance: Things To Remember Before You Buy

Is it okay to get tattoo over stitch marks?

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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Why Should I Choose Xinsurance For Tattoo Shop Insurance Or Tattoo Artist Insurance

XINSURANCE is a full-service liability insurance partner specializing in risks that have been canceled, declined, or non-renewed. We can help customize your insurance policy to ensure it meets your specific needs. Youll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs.

Our in-house teams, including risk management, claims services, and legal teams, are ready to be at your service! Our claims representatives are available around the clock to take your calls and get the process started. We have the expertise to handle your claim expeditiously and get the fast results you deserve.

Why Choose Us For Your Tattoo Insurance

  • Specialist cover tailored for tattoo artists and body piercers
  • Quick Quote Service. Get a quote in a matter of minutes
  • Cover can be arranged immediately
  • Policy documents emailed across same day
  • Pay only for the cover your need we tailor a bespoke tattoo insurance policy to suit you and your business needs. We dont automatically provide extensions that you dont want or need. Your tattoo insurance policy is tailored to provide cover that meets with your specific requirements that way you only pay for the cover you need
  • Established in 1965 buy with confidence. A trusted & reliable name throughout the UK providing the right levels of experience, knowledge and technical know-how for your tattoo insurance
  • Safeguarding your liabilities and assets This time weve got you covered!

Tattooists & Body Piercers Insurance can provide protection for the act or practice of adding colour by marking the skin with indelible patterns, pictures, lines or legends by making punctures under the skin and inserting pigments, or applying colour in the form of temporary tattoos or body decals, which are not of a permanent nature. The act or practice of perforating a part of the human body with a sharp or pointed instrument for the purposes of wearing jewellery in the opening created.

We can provide cover for studio owners, your staff & self employed technicians who carry out cosmetic tattooing & body piercing.

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Valuable Tattoo Studio Insurance Policies You Need To Have

Running a tattoo studio can be a highly profitable business, for $1.65 billion 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.

Personal Accident And Illness Insurance

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This insurance is for every individual, business owner or contractor, as accidents and sickness do happen to business owners and contractors, this may assist your business to enable you to employ staff to cover you the business owner while you are unable to work.

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Arranging cosmetic tattoo insurance can be difficult that is why its you may need to get assistance from reputable insurance brokers.

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What Types Of Insurance Do Tattoo Parlours Need

There are three main areas of your business you need to protect if you are going to open up a tattoo studio: your employees, your property and yourself.

Bundling products

Some insurers will bundle all the necessary insurance products together into one package, making it easier for you to get all of this protection without all the fuss of building your own package. For example, a number of insurers have started selling packages specifically tailored to tattoo and piercing shops.

Whether you go with a speciality insurer or you choose to build your own package with a mainstream insurer, it still pays to know what type of cover you need.

Workers compensation insurance

If you have employees, workers compensation is required by law. It protects your employees if they suffer from a work-related illness or injury by taking care of their medical expenses, replacing anything of theirs that was damaged and even giving them weekly living expenses until they get better .

If you dont have employees, you dont have to have workers compensation insurance.

Building and contents insurance

In Australia, its usually up to the tenant rather than the landlord to insure a commercial building. So unless you are subletting from another business, you will need building insurance to cover any damage to the building.

Youll also need contents to cover tools, equipment and products.

Theft of money

Medical malpractice public liability

Medical malpractice insurance

Product liability

Help Others Make Better Decisions


Why Get Insured by CoverWallet?

  • Has an online quotes generator that customers can use to find accredited carriers that offer tattoo insurance, which are the partners of CoverWallet

  • Online policy management and certificate of insurance through the MyCoverWallet app

  • Get tattoo artist and tattoo parlor insurance quotes in within minutes

  • Has a live chat system for customers

Why Take CoverWallet with a Grain of Salt?

  • Not a tattoo insurance carrier but more of an online quote comparison platform that offers the products of its partners to customers

CoverWallet is an insurance broker and not a tattoo insurance company. But still, its fine. This company has an online quotes comparison platform you can use to find insurance companies that offer tattoo studio insurance and tattoo artist insurance. Getting a quote is easy. All you have to do is provide basic information about your line of work and insurance quotes will be provided within minutes.

Choose to work with CoverWallet because it has live insurance agents who will help you decide what policies to purchase and how much insurance coverage to have. Insurance agents are also ready to help you find the right endorsements for your tattoo business insurance for the most comprehensive protection.

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How And When To Build A Team

Most artists answer their own phone calls, emails, and walk-ins, so you dont need a staff for that. However, many studios have multiple artists. Each artist has their own workspace and either pay rent for use of the space or pay a portion of their commission to the owner. This is a great way to cut down on your overhead costs and integrate yourself further within the community.

Next Steps

Check out our How to Start a Business page.

Sign up at the Business Center to access useful tools for your business.

Business Insurance For Tattoo Parlors

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Business Insurance is designed to protect a business owner’s financial assets and is an essential investment for a tattoo parlor business.

This article will cover the main insurance coverage for tattoo parlor businesses, general liability insurance, and suggest other policies that are suitable for this business.

Recommended: Use our dedicated small business insurance provider, Next Insurance, to get a quote now!

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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, thereâs 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 thereâs a higher crime rate, thereâs a greater risk of theft and vandalism. This can increase your premiums.

What Is Covered Under This Insurance Policy For Cosmetic Tattoo Artists

Cosmetic tattoo insurance cosmetic tattoo artists, laser tattoo removal services, non-laser tattoo removal services, micropigmentation derma therapy professional indemnity, public liability and products liability

Public Liability

Public liability insurance protects you and your business against any liability if someone is injured on your premises or while you are providing your tattoo services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your cosmetic tattoo business in the course of providing your professional services in Australia.

Property Damage

Products liability insurance protects you for claims made against your tattoo artist business for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your business.


Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your tattoo or micropigmentation services.

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Contents Cover For Business

It isnt vital, but contents insurance will definitely help you out if you were to ever experience a fire, flood or theft in your studio.

It will cover any costs of damage to your building as well as the loss of equipment and supplies of you and your employees. There are a lot of high-ticket price items in a tattoo shop, which is why its so important to have this kind of cover.

We would always advise to lock everything away at the end of the day to avoid this happening though and a good CCTV system couldnt hurt either.

Other Insurance Types To Consider

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It may not cross ones mind at first to explore the insurance policies that cover disability, health problems, or even tattoo artists hands, but hear us out. Just like you want to protect your business and shop, you should want to protect your artists ability to work without worrying that their livelihood depends on being healthy or injured.

Accidents happen, people fall ill, and things do go south it is important to recognize the significance of protecting your employees in this manner too. Make sure to consult insurance policy experts and agents about insurance plans that cover worker health and other potential risk situations regarding accidents at work.

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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.

Get The Right Protection Compare Quotes

Only you can find the best tattoo insurance coverage. Dont get insured without looking at the quotes of carriers. Get quotes from as many carriers as possible and compare pricing. By doing so, youll find the best coverage that doesnt only meet your needs but your budget too. Start comparing using our online quotes generator tool. Click the Get Quotes button to start.


  • U.S. Bureau of Labor Statistics. . Craft and fine artists : Occupational outlook handbook. U.S. Bureau of Labor Statistics. Retrieved February 8, 2022, from
  • Liability insurance. III. . Retrieved February 8, 2022, from

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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

What Is Public Liability Insurance

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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

  • Trespass nuisance or obstruction
  • Personal and advertising injury offences committed
  • 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.

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