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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.
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.
A typical tattoo insurance policy can include;
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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