What Is Tattoo Liability Insurance
Tattoo liability insurance is a combination of insurance policies that can cover you financially from the risks that may occur when running a tattoo business. Whether you run a tattoo parlour or are a freelancing tattoo artist, you should have tattoo insurance to cover your business and reputation against liable acts and accidents.
What Insurance Do I Need For My Business
If youre looking for Public Liability Insurance, a search online is a good place to start. There are plenty of companies who offer it and there are of course the usual search engine comparison sites to look at. Money Supermarket have a great overview of what is and some FAQs, with a section to then compare providers that can help you decide on the specifics youd like for your policy.
All quotes will be tailored to you depending on the size of your shop, the amount of people you have working for you and how much protection you want.
However, as weve previously mentioned, Public Liability Insurance shouldnt be the only type of insurance you consider. There might be some aspects you would assume it would cover but it doesnt, so its worth reading up on others to make an informed choice.
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Avoid The Painful Sting Of A Lawsuit
Tattooing is a creative and lucrative profession, and also one that requires you to have a full understanding of how to keep your clients safe. They are putting their skin in your hands, and you and your artists have the responsibility of providing them with stunning body art and the best possible experience.
Unfortunately in our litigious society, people are always looking for ways to make an extra buck. Should your client feel in any way that you or your studio was responsible for personal or emotional injury, they may decide to sue you.
9MAG Tattoo parlor was sued by a client who alleged that her cover-up tattoo was not only poorly done, but resulted in injuries and disfigurement. The result of the lawsuit is still pending.
A tattoo waiver helps protect your business, along with other risk management practices you will learn about here. Read on to learn the reasons why a client might decide to sue you or your studio, and what clauses are required in a tattoo waiver to help protect against these lawsuits.
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S After Getting Business Insurance
Depending on where you are in your business building process, here are some other actions you may need to take before getting started:
- If youre just starting, finding the best name for your business is a great first step. Check out TRUiCs Business Name Generator.
- After finding the perfect name, get a logo with our Logo Generator.
- Every business needs a website. Using a website builder like the GoDaddy Website Builder or Wix makes building a website simple and fast! Check out our review of the Best Website Builder.
General Liability Insurance For Tattoo Artists
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The general liability coverage under tattoo artist liability insurance serves to provide money if the tattoo artist or tattooist/studio is accused of causing injury or damage to the clients property.
There are many hazardous equipment and substances used in the tattoo service. Examples are inks, needles, razors, and tattoo machines. If spilled ink is not immediately removed from the floor, it may cause the guest to slip and fall or stain their belongings. Needles and razors can cause cuts and tears. Finally, tattoo machines have cords that will cause the client to hang out if not held well.
Personal injury and property damage lawsuits against tattoo artists and tattoo studios are not cheap. Court decisions can sometimes demand compensation for the victims losses of hundreds or even millions of dollars. For this reason, it is essential to have general liability insurance.
General Liability insurance for tattoo artists and tattoo studios will deal with claims of property damage and personal injury from a client, seller, visitor or other third party. In practice, this type of tattoo parlor insurance will pay attorneys fees, other legal costs, and compensation if the plaintiff wins the legal battle.
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What Insurance Coverages Are Available For Tattoo Shops & Tattoo Artists
We can provide all-in-one customized solutions for tattoo shops and artists. This means that all coverages can fall under one simple policy. We also provide free policy reviews to look at your current policy and let you know if there are any gaps or exclusions in your coverage.
Heres a list of available coverages for tattoo shop insurance:
- Commercial General Liability
- Commercial Auto
- Communicable Disease Liability Coverage
- Alleged Sexual Abuse & Molestation Liability
- Alleged Assault & Battery Liability
- Products Liability
- Exclusions or Gaps in Current Coverage
We offer liability policies with limits up to $10 million, with excess available. No risk is too large or small for XINSURANCE.
How To Insure Your Hands
You can insure your hands.
Insuring a body part can be an expensive proposition.
There is only one carrier that I know of that will insure body parts, and that is Lloyds of London.
They are very unique. I wont go into much detail about them, but they can insure hands. Google them. You can see they have insured musicians, athletes, etc.
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Commercial Property Insurance For Tattoo Studios
Tattoo shops don’t only have to worry about their liability to third parties. There are other perils to think about such as the destruction of stocks, business equipment, and other physical assets. And so, tailored tattoo shop insurance or tattoo studio insurance includes commercial property insurance.
The primary function of commercial property insurance is to cover the commercial building of the tattoo studio. It will:
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Reimburse the losses of the policyholder if fire or extreme weather totally destroys the commercial building. The amount of reimbursement is equal to the current market value or the original market value of the commercial building
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Reimburse losses of the policyholder if fire, extreme weather, vandalism, theft, and other covered perils caused damage to the commercial building. The amount of reimbursement is equal to the value of the damage incurred
Theres business equipment and tools coverage in commercial property insurance for tattoo studios. Business equipment and tools coverages function is to reimburse losses when tools and equipment used in tattoo service become lost or damaged due to theft, fire, vandalism, and other covered perils. Common tools and equipment covered are:
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Tattoo beds or reclining chairs
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Tattoo machines
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Tattoo scanner and design computer
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Tattoo lighting systems/kits
What If You Really Want Hands Insurance
If you really want hands insurance, contact Lloyds of London.
However, they dont insure just anyone. As I mentioned earlier, they traditionally insure actors, athletes, etc. These people have multi-millions at stake.
Additionally, I am sure before doing so, they must require these professionals to have an adequate amount of disability insurance.
So, dont be surprised if they tell you this.Even if you are a specialty surgeon or dentist, you need an adequate amount of disability insurance in place. The own-occupation disability definition ensures that you will receive a benefit if you cant do your job.
But, if hands insurance is what you want and only that, give them a call.
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Commercial Auto Insurance For Mobile Tattoo Artists And Tattoo Studios
Some tattoo artists and studios dont do business in a fixed commercial space but instead, take their services to the clients personal space. And aside from liability insurance policies, they will also find commercial auto insurance useful.
Commercial auto insurance covers exposures associated with using a vehicle for commercial purposes. It offers the following protection:
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Auto liability coverage
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Physical damage coverage
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Emergency roadside assistance
A tattoo artists or tattoo studios commercial vehicle might cause an accident on the road. In connection, the function of auto liability coverage in commercial auto insurance is to cover the medical expenses of injured third parties. This will also reimburse the losses of individuals whose property incurred damage due to the accident.
Physical damage coverage has two forms – collision and comprehensive. Collision physical damage coverage will take care of parts repair or replacement if the commercial vehicle got damaged because it collided with an object or another vehicle while running. As for the second type – comprehensive physical damage coverage – it will take care of parts repair or replacement if fire, theft, vandalism, and other covered perils damaged the commercial vehicle.
What Is Disability Insurance
Lets say you suddenly lose feeling in your right hand. Well, you need to use your hands to do your job, right? You go to the doctor. After a series of tests, the doctor diagnoses you with Fibromyalgia. She says you need to rest and that you must limit your work as a tattoo artist.
Here is another situation. You are stopped in your car at a stop light. The light turns green and you proceed normally. Suddenly, you are hit from the side by another car who ran his light . You are injured and will be out of work for an extended period of time.
Or, you felt sluggish and not yourself for several months. Your doctor runs tests. A visit to your oncologist indicates that you have leukemia and need to start treatment. Youll be out of work.
What is common here?
These are all disabling situations. How will you pay your bills: mortgage, credit card, utilities if you cant work and earn a paycheck?
Enter disability insurance. Disability insurance pays a monthly benefit to you if you miss work due to a disabling injury or illness. The monthly benefit amount is usually a percentage of your income. Depending on the carrier, carriers like to average out your income over the previous 2 or 3 income years.
Notice, though, that these scenarios are not necessarily job related. It is true. Most disabling injuries and conditions are not job-related at all. In fact, the council for disability awareness states that most disabilities are from illnesses.
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Does Your Tattoo Shop Need Business Insurance
With more people getting body art, theres a lot that can go wrong. What happens when a tattoo leads to an infection, or when a client is unhappy with the result and decides to sue? Is there insurance to protect the artist? What about the client?
If a tattoo artist slips up and inks I love Moom, a client may be able to recover some dough from the artists insurance company. That is, of course, if the artist has liability insurance to begin with.
The insurance issue is arising more often as the popularity of tattoos climbs. Nearly four in 10 Americans age 18 to 29 have at least one tattoo, according to a Pew Research Center report.
Our Business Is Protecting Yours
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ACT Insurance allows me to buy the coverage I need, when I need it. No shows, for a few months? No problem! Need a policy for a show this weekend? No problem either!
Chris L.
I chose ACT insurance because it is tailored to exactly my needs as an artist. Having coverage of my work in transit was an important feature for me and with stained glass, it definitely gives me peace of mind that would otherwise be a constant source of stress!
Jeremy W.
- Short-term general liability for events
- 1-90 days of consecutive coverage
- Immediate access to Certificate of Insurance
- Optionally protect supplies, equipment, & inventory
- Coverage for online and in-person sales
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Lawsuits For Tattoo Infections And Injuries
A tattoo is basically a puncture wound filled with ink. Sometimes tattoos go bad. Examples of tattoo-related illnesses and injuries include:
- skin infections
- blood-borne diseases, like hepatitis B or C, tetanus, or HIV.
Tattoo artists and shops can be liable for tattoo illnesses and injuries, but liability isn’t absolute. Some problems, like infections, are known risks associated with tattoos. You likely signed a waiver giving up your right to sue over known tattoo risks and complications as soon as you stepped into the shop.
But just as liability isn’t absolute, waivers aren’t absolute either. A tattoo parlor can’t get away with giving you an infection from a dirty needle just because you signed a waiver. Waivers typically protect an artist and shop from ordinary negligence, not gross negligence. For example, if your tattoo gets infected because of an unknown, pre-existing condition, you probably can’t sue if you signed a waiver. But if your tattoo gets infected because the artist is reusing needles and failing to properly sterilize equipment, you might have a valid claim.
If you decide to pursue a legal claim against the tattoo shop and the artist who inked you, don’t be surprised if they argue that your skin infection or other health issue was caused by something else, or that you didn’t do everything you were instructed to do in terms of after-care.
What Tattoo Services Can Tattoo Shop Insurance Cover
Tattoo Shop Insurance can cover a wide variety of tattoo shop/parlor services as well as body piercing/jewelry services. Other insurance providers might not provide sufficient coverage, if at all, but XINSURANCE is here to provide true peace of mind to businesses and individuals alike.
- Tattooing whole parlors or independent contractors
- Tattoo Removal Services
- Body Piercing shops and individuals
Please note that we do not provide workers comp.
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Why Does A Temporary Tattoo Artist Need Liability Insurance
Everyone in business is exposed to the possibility of a claim being made against them and a temporary tattoo artist is no exception. Awards for personal injury can be high and even the cost of mounting a defence against the most frivolous claim can be costly. Your temporary tattoo artists liability insurance can protect you against these costs.
How Much Does Henna Artist Insurance Cost
The rate for Thimbles Henna Artist Insurance takes into account multiple variables, all of which contribute to the risk posed by your henna tattoo profession. Your business location and size, as well as the coverage limits, are all weighed to determine the policy cost.
We aim to make insurance as convenient as it is affordable. By implementing our pay-when-youre-working structure, we never charge you for time spent off the job. You can choose by the hour, day, or month, and add as many Additional Insureds as you wishcompletely free of charge. Lastly, should you need more than one Certificate of Insurance, you can request multiple for free.
Safeguard your henna art business with versatile, affordable, and convenient insurance coverage from Thimble. Get your free Henna Artist Insurance quote now.
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General Liability Insurance For Tattoo Parlors
All businesses, regardless of industry, face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance.
Some of the risks general liability insurance covers are:
- Legal defense and judgment
- Personal and advertising injury
While businesses arent legally required to carry general liability insurance, operating without it is extremely risky. If your business is sued, you could end up facing fees totaling hundreds of thousands of dollars . Having a sufficient general liability insurance policy in place to help compensate for these damages is the only way to prevent this type of event from devastating your business.
Get a Free Quote for Your Business
Business insurance is massively important to all businesses, whether large or small. Getting a quote will help you understand which coverages are right for your business and how much it will cost.
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Hands & Eyes Insurance
Safeguarding against an accident that may affect the ability to use ones critical body parts such as your hands and eyes is imperative. Consider the effects of being out of work due to a permanent hand or eye injury.
There are many reasons that people insure their body parts. Sports stars, like David Beckham, often insure their legs and musicians, such as The Beatles insure their fingers and other parts. Its not hard to see how their career could be over if something happened to their ability to kick a ball or play an instrument.
If you think about the value placed on celebrities body parts millions of pounds in some cases it should really make you think about what value you put on your eyes and hands as a hard working professional.
Losing the use of one or both or your hands or eyes would seriously impact your ability to carry out your job, in some cases it could make it impossible to continue. If the worst was to happen, having a back-up plan is vital.
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What Is Public Liability Insurance
Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.
In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example
Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.
What Types Of Insurance Do Tattoo Parlours Need
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There are three main areas of your business you need to protect if you are going to open up a tattoo studio: your employees, your property and yourself.
Bundling products
Some insurers will bundle all the necessary insurance products together into one package, making it easier for you to get all of this protection without all the fuss of building your own package. For example, a number of insurers have started selling packages specifically tailored to tattoo and piercing shops.
Whether you go with a speciality insurer or you choose to build your own package with a mainstream insurer, it still pays to know what type of cover you need.
Workers compensation insurance
If you have employees, workers compensation is required by law. It protects your employees if they suffer from a work-related illness or injury by taking care of their medical expenses, replacing anything of theirs that was damaged and even giving them weekly living expenses until they get better .
If you dont have employees, you dont have to have workers compensation insurance.
Building and contents insurance
In Australia, its usually up to the tenant rather than the landlord to insure a commercial building. So unless you are subletting from another business, you will need building insurance to cover any damage to the building.
Youll also need contents to cover tools, equipment and products.
Theft of money
Medical malpractice public liability
Medical malpractice insurance
Product liability
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