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Tattoo insurance quotes for tattooist artist working in parlours and salons

The tattoo artists that make their creations on the epidermal layer of their clients are some of the most talented artists in the world, but have the highest risk of legal proceedings because of the canvas they use. For many tattoo shop owners, they also offer body piercing services that can also be covered with a tattoo insurance policy.

Tattoo insurance with personal liability insurance

The personal liability policy can be issued to either the shop owner or the artist. This is for accidental events that might cause harm or discomfort to the clients. There are multiple reasons to carry this type of insurance.

The most common is a slip of fall in the presence of the artist that could be, but not necessarily the fault of the artist.
The artist is distracted when applying the ink or body piercing item and the location is wrong.
A sexual harassment claim may arise If the location of the tattoo or body piercing is on a private area of the client.

Professional liability insurance

Professional liability policy for tattoo parlours is for financial protection from professional disagreements is the reason for this specific policy. This includes an unfavourable result of the artist’s work and can include the client becoming injured with an infection, a disease or just unhappy with the final results.

If the needles used in the application of the ink or piercing are unsanitary and an infection occurs or disease is spread that is the fault of the artist.
If the final result is undesirable and the client is upset with the way it looks.
For a tattoo, it could be because it is out of proportion.
If the clients ask the artist to stop for any reason and the request is ignored. This generally occurs when the client changes their mind about receiving the tattoo or body piercing.
When removing an old tattoo or body mark is not to the satisfaction of the clients.
When the artwork is completed on an intoxicated person and once the client sobers up decide they do not want it.
Infringement on copyright work and designs.

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A typical tattoo insurance policy can include;

Treatment Risk: This is stand-alone professional liability insurance for those that carry out on-body treatments such as Tattooing and Body Piercing. Treatment Risk insurance is purchased by salon owners to protect directly employed artists. It also can be purchased by a self-employed individual.
Public Liability: This type of cover will protect the salon owner from members of the public who are on your premises and file a claim of being hurt or injured. This cover provides funds for medical and legal fees along with any settlement.
Employers Liability insurance is optional and is for business owners. It will protect your employees. If you are a self-employed technician, a business owner may insist upon you carrying your public liability policy. If any action occurs during the application of the pigment that is incorrect during a natural event as with an earthquake or other event of Mother Nature.

What type of cover should the owner of a tattooist salon have?

The type of tattoo insurance can vary depending upon several factors. This is for an operator a mobile service or work from a studio. If the latter you will most likely need buildings cover, but check with your landlord first as this may already be in place. Below are the main key areas that should be considered when taking out tattoo insurance to help protect your business operation.

If you own or rent a tattooist studio it is important to ensure that you have building and premises insurance included in your tattoo insurance policy. If your studio has a shopfront you will need to include this plus any grills or roller shutters that you have added to secure your premises. Also by having these extra security measures should help reduce your annual premium costs. The buildings cover should be sufficient to pay for a total rebuild should the worst event occur.

The shop owner has to cover each of their employees with worker compensation, personal and professional liability insurance policies. This has to include all employees whether or not they are paid, full or part-time and even students in training.

What is the difference between tattooing and body piercing?

Tattooing is the practice or act of adding colour by marking the skin with indelible patterns, pictures, lines or legends by making punctures under the skin and inserting pigments. 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 is called piercing.

Tattoo artists face more insurance risks than do many other business types. In addition to damage or loss to equipment, the liability to the public when they visit your studio, or if you visit them to undertake mobile work, you could also injure a client when you practice your art. They could even suffer an infection later if they do not follow your instructions. As a result tattoo insurance can be be expensive, but only because of the high risk the is being underwritten.

Insurers are increasingly reluctant to insure skin artists because of these risks. However, we can provide you with several quotes from a select panel of UK brokers that deal exclusively in providing tattoo liability insurance in this beauty service sector.

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