Whether you are licensed in Nebraska opens in a new window as a permanent color technician, a body art technician or a tattoo artist, you will need a certain amount of required insurance coverage to protect your microblading business. The popularity of lush, fuller eyebrows is why microblading is a booming business in Nebraska these days. Carrying the proper tattoo insurance coverage is vital if you want to protect your business from claims of negligence.
Why You Need Microblading Esthetician Insurance
Every microblading business plan in Nebraska should include insurance coverage. Professional liability insurance opens in a new window is what you need to start a microblading business in Nebraska. This policy shields you in the event that a client later sues you for negligence or injury — whether your business is at fault or not. There are two types of professional liability coverage to consider:
- “Claims-Made” – For your business to be protected under claims-made liability policy, the incident that led to the lawsuit must be filed while the policy is in effect, and the incident itself happened while you were open for business. If you accidentally injured a client and then later purchased this policy, it would not shield you from liability.
- “Occurrence” – If you retire or change careers and then a former client sues you a year later because of an incident at your former microblading business, you would still be protected by an “occurrence” policy — even though the policy itself has lapsed.
Other types of microblading esthetician insurance you should strongly consider for your business include property coverage and workers’ compensation.
Purchase Microblade Insurance in Nebraska
A policy professional at Marine Agency can discuss the amounts of coverage you want for your microblading business in Nebraska. Get in touch with us for a free quote today!