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To protect your tattoo studio, you may need a wide variety of insurance to cover your studio’s liability, the building, equipment and lost income after taking damage. But some companies are making the process easier by offering all the coverage you need in a tidy package.
Your tattoo shop needs the same types of business and employer insurance common to many businesses. However, it also needs protection for the specialized risks of creating permanent art on your customers’ skin.
Necessary coverage because of risks specific to owning a tattoo shop may include:
Coverage common to other businesses includes:
Since tattoo insurance covers your business’s liability, it can come as a claims-made policy or occurrence policy.
However, a claims-made policy may allow you to purchase coverage that extends to previous work when starting a new policy period.
Also, your policy comes with a coverage limit per claim and an aggregate limit. The aggregate limit is the maximum amount the company will pay during the policy period.
Different companies offer a variety of coverage with their tattoo insurance packages, but common coverage includes:
To weed out increased risks, your insurance company may require certain guidelines to get coverage. Requirements may include:
Your policy may include a list of exclusions, although these differ based on the insurance company. Some companies exclude or limit these items, while others cover these risks at an additional cost:
Your tattoo shop carries a variety of risks that involve the health and well-being of customers. Some examples include:
A packaged tattoo insurance policy may offer all the coverage you need, including standard business insurance and coverage for communicable diseases, sexual assault and professional liability. But many insurance companies vary in their offerings, while others include requirements to qualify. To find the best fit for you, compare several tattoo insurance companies on the market.
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