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A Guide To Tattoo insurance For Parlours and Studios

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

July 2023

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.

Multi Quote Time  have partnered with Quotezone who can help you by providing multiple tattoo insurance quotes from a panel of select UK brokers.  Getting multiple quotes  will help you to compare what discounts are currently available.

Tattoo Liability insurance for artists

Working As A Tattoo Artist, Do You Need insurance?

Most professional tattoo artists will take out public liability insurance to protect their business, often referred to as "tattoo insurance with public liability" or "tattoo business insurance". Whilst not a legal requirement, this cover provides protection against a member of the public or a client making a claim against you or your business. 

How Much Does Tattoo Insurance Cost?

The cost will depend on a number of factors. Some of the key factors will be the level of cover required and history of previous claims. If you have a history of making claims, expect to pay more for the same level of cover as someone with a few or no claims. It is possible to reduce the cost by agreeing to a higher policy excess. If you go this route, make sure you have the money needed to cover the excess amount in the event of a claim. 

How Much Public liability insurance Do I need?

During the quote process you can choose the level of PL required, make sure you choose a sufficient level of cover based on your business risk requirements. If unsure, then it is best to consult with the insurance broker, who should be able to advise you. 

Public liability (PL) OptionsLevels of Cover Available

Types of Tattoo Insurance Available

Tattoo insurance UK with Public Liability Insurance

The panel can provide a range of quotes specifically for tattoo insurance, including public liability. 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.

Tattoo Removal insurance with Public Liability Cover

Many people regret getting a tattoo or regret making it personalised, the name of an ex for example. So a huge demand exists for removing unwanted or plain ugly tattoos.  Several methods are available for tattoo removal, ranging from creams to light therapy and laser removal. If you are a provider of a tattoo removal service, it is important that you provide your treatment knowing that you're protected with the correct level of cover. Tattoo removal insurance with public liability is available from the panel UK brokers can provide you with quotes.  The insurance will provide the cover needed to practice and be confident that you are covered against any public liability claims. 

Body Piercing insurance 

In addition to providing a professional tattooing service, you may also offer body piercing, a service that has gained in popularity in the UK over recent years. The good news is that the panel can offer a policy quotes that will cover both types of service 

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.
  • If the client is upset with the final tattoo.
  • 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.

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 can also 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 A Tattooist Salon Have?

The type of tattoo insurance can vary depending upon several factors. If you work out of a studio you will most likely need building's 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 building's 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 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.

How to Become a Tattoo Artist

This is an incredibly skilled job, but as yet there are no formal entry requirements. That does not mean you can just open a tattooist salon and start practising, in reality it will take years of working under supervision also termed an apprenticeship. If you have genuine artist talent, patience and have a real passion in this ancient art inquire with local tattooist studios if you can work as a trainee. It may be a year before you are able to apply to begin to work on actual clients

How Much Can You Earn As Self-Employed Tattoo Artist

Your apprenticeship may be unpaid, or you will receive a small wage. The good news is, after your apprenticeship, you can earn good money. An experienced, skilled tattooist can earn around £100 per hour, but the rate does vary greatly. If you make it to the top and earn a reputation, you could make 6 figures a year.

Start Comparing Insurance Options

With the ease of obtaining multiple insurance quotes, it is easy to compare options come renewal time. Spend some time researching what is on offer with other providers as you may be able to save some money on your premium

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 when you provide the service at the client's home. As a result, tattoo insurance can be expensive, but only because of the high risk that is being underwritten.

Insurers are increasingly reluctant to insure skin artists because of these risks. The select panel of UK brokers can provide you with quotes tailored to your individual business requirements. The select panel of UK brokers specialise in providing tattoo liability insurance to the UK beauty service sector.

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