Tattoo Insurance - Compare Costs
Start Comparing the costs of tattoo insurance
The tattoo artist that make their creations on the epidermal layer of their clients are some of the most talented in the world, but have the highest risk of legal proceedings because of the canvas they use. For most tattoo shop owners they also offer body piercing services that can also be covered with a policy to financially protect them.
What is the responsibility of each client is to know both of these procedures cause pain, bleeding and discomfort. When claims are made for those reasons alone they are seldom followed through on advise of their lawyer. Tattoo insurance providers are aware of inherent dangers when providing this service and you will find policies are geared towards covering these additional risks.
Personal Liability Insurance for Tattoo artists
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.
Personal Liability Insurance for tattoo parlors
For financial protection from professional disagreements is the reason for this specific policy. This
includes an unfavorable 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. The policy will cover the financial costs
associated with a law suit that can include a settlement, medical bills of the client, lawyer fees, court
costs, and tattoo insurance emoval services costs.
A Typical Policy Can Include:
What type of cover should the owner of a Tattooist Studio have ?
They type of tattoo insurance can vary dependent upon a number of factors. For example if you operator a mobile service or work from a studio. If the latter you will most likely need buildings cover, but check with 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 shop front you will need to include this plus any grills or roller shutters that you have added to secure your premises. In addition having these additional extra security measures will 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 should also 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 color 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 jewelry in the opening is called piercing.
Tattoo artists no doubt face more insurance risks than do many businesses. 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.
Insurers are increasingly reluctant to insure skin artists because of these risks. However, we can provide you quotes from a select panel of UK brokers that deal exclusively in providing protection in the beauty service sector.
Tattoo Shop Insurance
This type of policy will provide cover for your business as a whole. This can include Building Cover, Employers Liability, Business Contents, and Public Liability along with Treatment Risk for any Tattoo artists or Body Piercers that you directly employ.
If you provide either tattooing or cosmetic body piercing, you will be required to show evidence that you have in place adequate public liability insurance in order to register your business with the local authorities. Some other extensions available are employee dishonesty (fidelity guarantee), loss of money, legal expenses, book debts, computer records, business interruption extensions to protect your income should you suffer a major loss, and terrorism cover. If you own the premises from which you operate your business, cover can be extended to include buildings cover with option for subsidence cover.