Tattoo Parlor Insurance

Tattoo & Body Piercing Insurance

Tattoos and body piercing, once done only by fringe members of society, is now common among adults of all ages and social classes. In recent years, many new tattoo shops have opened up across the country. Nearly all of these businesses are small and privately owned. Of course, owning this type of business is not without its risks, so it is important to protect the operation you run with a suitable tattoo and piercing shop insurance policy.

Tattoos in America: A Snapshot

  • There are currently more than 21,000 tattoo parlors in the United States
  • Approximately 45 million Americans have at least one tattoo
  • An estimated 40% of adults between the ages of 26 and 40 have at least one tattoo
  • Americans spend more than $1.6 billion each year on tattoo services
  • The average cost of a small tattoo is $45

What Is Tattoo and Piercing Shop Insurance?

Tattoo and body piercing insurance is a specific business insurance policy designed to help owners of tattoo shops maintain a profitable business. Tattoo insurance providers understand the many risks that go along with running this type of business and can create policies that address these risks so that your shop can remain profitable, even in the face of a disaster or lawsuit.

Is Tattoo Insurance Required?

Whether or not you are required by law to carry tattoo liability insurance is dependent on where your shop is located. Each state mandates different laws governing the running of these businesses. Be sure to check the laws in your state before you open for business.

Other cases where you may be required to carry a tattoo business insurance policy are if you have taken out a business loan and it is required by your lender, or if you rent your shop space and insurance is required as a term of your lease.

Regardless of whether or not you have a requirement to carry this insurance, it is an extremely good idea to do so. Your shop faces a number of risks that could potentially put you out of business. A tattoo insurance policy can prevent these hazards from bankrupting your company.

Tattoo and Piercing Shop Insurance Provides Liability Coverage

Tattoo liability insurance coverage is particularly important. Lawsuits against tattoo artists and businesses are on the rise as more people are getting inked. Even cases that are thrown out of court can break a business due to the high cost of legal defense. Tattoo liability insurance will protect your business by covering court-imposed fines as well as any legal fees associated with a covered event. Liability coverage options you can choose from include:

  • General liability: This will provide coverage for personal injuries or property damage sustained by a customer while in your place of business. The most commonly reported injuries are due to slip-and-fall accidents. Any company that admits customers onto their place of business is strongly advised to carry general liability insurance.
  • Professional liability: Your policy will cover you, as the business owner, as well as any named employees in your shop. Any time an employee leaves or a new one is hired, you will want to be sure to notify your insurance company. Professional liability covers malpractice, when an artist or piercer should severely injure someone or does work that this is clearly substandard. Given the permanence of tattoos, lawsuits for extremely poor work are to be expected. Take care when hiring your employees and then be sure to cover them with this important insurance.
  • Communicable disease liability insurance: Clean equipment and unused sterilized needles are extremely important when doing tattoos and piercings. As a tattoo shop owner, you likely take great care to protect the health of your customers. For example, you may face a lawsuit if a client is sickened by a blood-borne illness. Sometimes, these lawsuits bear no merit, but you will still need to defend yourself, often at a great cost. This coverage can protect you from such losses.

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