Like many businesses, tattoo and piercing studios face risks that are unique to their specific industries. Thus, insurance brokers need to be knowledgeable partners to ensure clients have the right level of coverage to protect their businesses.
This is where specialty insurance, like Marine Agency’s Tattoo & Piercing Insurance Program, is vital to ensuring tattoo and body piercing studios are covered against the risks that they uniquely face in the day-to-day operations of their businesses. Let’s explore the top three tattoo and piercing insurance policies every studio needs to be successful.
1. Tattoo Artist Liability Insurance
Every business needs to have some form of insurance coverage, and general liability insurance is typically the first that comes to mind. However, this often isn’t enough for tattoo artists and studios, and tattoo artist liability insurance helps to safeguard the business against its unique risks. Similar to malpractice insurance that a doctor may obtain, tattoo artist liability insurance protects against mistakes in inking or coverage for injuries and incorrect tattoos.
Even the most skilled and experienced tattoo artists have the potential to make a mistake during their careers, so this insurance coverage can help cover legal fees and settlement expenses in the event of a lawsuit. Businesses should opt for comprehensive coverage that also extends to guest artists, off-site work, and independent contractors.
2. Body Piercer Liability Insurance
Much like tattoo studios, body piercers require their own specialized insurance policies to cover risks that are unique to their business practices. This means that for piercing studios, body piercer liability insurance is essential to keep their business running smoothly.
Opting for this type of coverage ensures that body piercers are protected from piercing mistakes and injuries to customers. Body piercer liability insurance also serves as a way to cover legal expenses that may arise from mistakes and injuries. Keep in mind that the insurance policy should extend to all types of piercings; otherwise, you could continue to be vulnerable.
3. Workers Compensation Insurance
Any business with employees should maintain workers’ compensation insurance, and tattoo studios are no different. Workers comp insurance protects against work-related illnesses or injuries, such as minor injuries from repetitive motions or complications arising from accidental needle punctures.
In most states, this type of coverage is typically a legal requirement for businesses with employees. Even if it’s not, workers compensation insurance is still advisable because health insurance may not cover injuries obtained on the job, so it never hurts to ensure it’s included in your policy.
Marine Agency: Your Trusted Partner for Tattoo & Piercing Insurance
To offer the greatest protection from tattoo and piercing risks, these businesses require specialized tattoo and piercing insurance coverage to protect their business. However, businesses may also seek an insurance policy that includes property, abusive acts, and general liability coverage.
This insurance ensures that tattoo and piercing studios have comprehensive coverage against risks they face in the operation of their businesses. Offering comprehensive tattoo and piercing insurance coverage for the last 33 years, Marine Agency offers the most extensive coverage for these unique businesses. For businesses looking for peace of mind, look no further than Marine Agency’s comprehensive coverage.
