When you run a business, you will always face risks and running a tattoo studio is no different. In order to protect yourself and your business, you need to invest in the right insurance policies. Below are three different types of tattoo shop insurance you may need to protect yourself from harm.
Tattoo Artist Liability Insurance
Customers come to your tattoo studio expecting to get the tattoo requested without any errors. Unfortunately, mistakes are always a possibility, even among the most experienced artists. When artists make mistakes, customers often become very angry and may even file a lawsuit against the business.
Liability insurance for tattoo artists is a type of professional liability insurance, which may also be called “malpractice insurance.” The purpose of tattooist insurance is to protect your studio in the event that an artist makes a mistake that either results in an incorrect tattoo or injures the customer in some way.
To get the most out of cosmetic tattoo artist liability insurance, make sure that your policy includes coverage for all possible scenarios. In addition to on-site work performed by your employees, policies should also cover independent contractors, off-site work and guest artists.
Body Piercing Insurance
Many tattoo studios also offer piercings. If your studio offers body piercing, make sure that your tattoo artist liability insurance policy covers this service. In order to protect yourself from the consequences of piercing errors or accidents, make sure that piercing services are covered.
Body piercing insurance covers any legal fees or settlements that arise because of a mistake made while piercing a customer. When shopping for this type of coverage, make sure that it extends to all types of piercings you offer. For example, if your studio offers genital piercings, be sure that your policy covers them.
Workers Compensation Insurance
If your tattoo studio is like most, you have at least one employee on staff. Workers compensation insurance is designed to protect your studio in the event that an employee suffers a work-related injury or becomes ill because of his or her job. This policy will replace some of the employee’s wages, as well as his or her medical care. For example, if one of your employees accidentally punctures his or her arm at work or contracts a blood-borne illness, your workers’ compensation insurance policy will pay related expenses.
Most states require all businesses with employees to carry a workers’ compensation policy for their employees. Even if your tattoo studio is not legally required to carry this type of coverage, it is still a good idea to purchase it anyway to protect yourself in the event of an employee injury or illness.
Getting the Right Insurance for Cosmetic Tattooing
Regardless of your location or the number of customers you serve, every tattoo studio needs to carry an adequate amount of cosmetic tattoo insurance coverage. In most cases, all three of the types of insurance mentioned above will be beneficial for your business. You may also need property coverage or abusive acts coverage, as well as specialized policies for other services you provide, such as microblading insurance coverage.
Keep in mind that not all insurance policies are the same. In order to ensure that your tattoo studio has the coverage it requires, you need to consult an experienced insurance agent.
Key Takeaways
- Tattoo studios need adequate insurance coverage to protect their businesses in the event of a customer or employee claim.
- Most tattoo studios need tattoo artist liability insurance, tattoo piercing insurance, and workers’ compensation insurance.
- An experienced agent can help tattoo studios get the commercial tattoo insurance coverage they need.
Marine Agency Insurance has been insuring tattoo studios for more than 25 years. If you want to make sure that your studio has all of the coverage it needs, please contact us today.
