Tattooing can be traced back to ancient times. Did you know that there were tattooing tools discovered in archaeological sites that were at least 12,000 years old?
More people are getting tattoos and piercings. With remote work becoming more common, people are no longer confined to more conservative dress codes. They feel more open to getting a tattoo to express their individuality or mark a milestone.
If you own or considering opening up a tattoo and piercing shop, the first thing you should think about for your peace of mind is getting tattoo and piercing insurance. If you haven’t heard about the benefits of tattoo and piercing insurance, you’ve come to the right place.
Keep on reading to find all about the expected, and not-so-expected situations that are covered under a tattoo and piercing insurance policy.
Who Is Tattoo and Piercing Insurance For?
Tattoo and piercing insurance protect tattoo and piercing artists and studios. When you start your own business, you can end up dealing with many situations that could result in lawsuits. Without tattoo and piercing insurance, you can end up paying out of pocket for these expenses.
If you have a studio, then you’re also dealing with the regular issues that all businesses deal with including personal injury or slip-and-fall claims, equipment damage, or theft. Tattoo and piercing insurance can protect you and your business in these circumstances.
If you have a coffee shop as part of your tattoo studio, you should also consider restaurant insurance.
As a tattoo artist, you spend your time dreaming up beautiful designs to make your clients happy. You create art and then take that extra step of commemorating it on your client’s skin. Each time you tattoo someone, you’re celebrating a milestone or a memory with them.
Tattoo and piercing insurance deal with those unexpected situations that you wouldn’t expect in normal circumstances. You could have a claim from a client that has an allergic reaction to the pigment or the substances you use to prepare the skin. The insurance policy would also deal with an accidental injury during the tattoo application if there’s a malfunction in the equipment.
You may be dealing with picky clients who are not satisfied with their tattoos. You could fight such a claim, but it would be very costly.
Piercing artists have the same issues as tattoo artists. You could be dealing with picky clients that are not happy with your work. They can bring a lawsuit against you if they choose.
There is a greater chance of infections and complications with piercings, including viral, bacterial, and fungal infections. Clients may be sensitive to the body jewelry, which can lead to swelling and scarring. In severe cases, blood may collect or clot in the tissue because of the piercing.
In many cases, tattoo studios invite renowned guest tattoo and piercing artists to their studio to work for a week or two. These can act as a draw for clients who want to get a tattoo or piercing with these specialists.
Guest artists run into the same problems as regular tattoo or piercing artists. You want to make sure that your tattoo and piercing insurance policy covers temporary guest artists.
As a guest artist, you can get a separate insurance policy so that you know you’re protected. You don’t want to rely on third-party insurance because you don’t know what activities and what amounts are covered.
What Does Tattoo and Piercing Insurance Cover?
Tattoo and piercing coverage can cover a multitude of areas. Some areas are similar to regular businesses. You also have the option of getting additional coverage that is unique to tattoo and piercing studios like the piercing of minors or tattoo removal.
General liability insurance will protect your studio from third-party claims as a result of negligence. You will also be protected from accidental injury on your premises, like slip and falls, or injury caused by malfunctions. Remember that employee injuries are generally not covered under general liability insurance but under separate workers' compensation insurance.
Cyber liability is becoming more important these days with increased cybercrimes. 78% of Canadian businesses experienced at least one cyber-attack within 12 months. Cyber liability protects your data from hacks, ransomware, and other cyber risks. It covers the costs of notifying customers about the breach, legal fees, and fines.
Commercial property insurance covers any property that’s lost or damaged in a fire, water damage, theft, or vandalism. In these unexpected events, you want to make sure that your property is protected. This includes your equipment like tattoo guns, ink, and body jewelry. Your office furniture will also be covered.
Make sure you read the fine print to understand what events you’re covered in. For example, earthquakes are generally not covered under a basic policy and need to be added on separately.
You have spent time and effort building up your business from scratch. Like any business, it can be subject to theft and other crimes. Crime insurance covers situations where your employee is embezzling or stealing from you. It also covers the theft of your equipment.
Your equipment is the most important part of your business. You can’t run your business without any equipment. You want to make sure that you are protected in case your equipment breaks down. Depending on your coverage, you can get the cost of repairing your equipment back.
In some policies, the insurer will replace your equipment with the same or similar product. There will be restrictions on how many times your equipment will be replaced in a year. Keep in mind that normal wear and tear are generally not covered under these policies.
Errors and Omissions
As a tattoo or piercing artist, you are taking charge of making a permanent impact on someone’s body. Sometimes errors can happen. These simple errors can end up costing you a lot of time and money.
With professional liability insurance, you can be covered for malpractice and negligence claims. You’ll be protected if you are accused of injuring a client, making errors, or not completing the work as per client instructions.
Incorrect or misspelled tattoos can leave you with angry customers who will sue. Professional liability insurance will cover the cost of legal fees and settlements.
Piercing of Minors
Piercing minors can be a higher risk. There is specific coverage you can get to protect yourself from lawsuits when piercing minors. You can get limited coverage if your work is limited to piercing ears, nose, and navel for minors. On the other hand, you can get extended coverage for eyebrows and tongue as well.
Tattooing of Minors
Similar risks apply if you’re tattooing minors. If you make a mistake or cause injury to minors while tattooing them, you will have to deal with higher damages claims. In this case, insurance that covers the tattooing of minors can protect you and your business.
If your business includes tattoo removal, then you should consider tattoo removal insurance. Clients can get injured or scarred during the tattoo removal process. There's a risk of bleeding, infection, and scarring.
Some clients can be extra sensitive or have an allergic reaction. You want to make sure you’re protected in these cases.
Permanent Makeup Cosmetics Insurance
Many people enjoy the ease of getting permanent makeup like a tint on their lips, permanent eyeliner or eyebrows. Any damage or injuries to the face can deeply impact your client’s life. They will sue you for much higher damages. Permanent makeup cosmetics insurance will protect you in these unexpected situations.
Communicable and Infectious Disease Coverage
Another common type of coverage for tattoo and piercing artists is for communicable and infectious diseases. If your clients contract a blood-borne illness or communicable disease because of their tattoo or piercing, they can sue you for medical costs. Defending yourself against these claims can be expensive and time-consuming.
What’s Not Covered by Tattoo and Piercing Insurance?
Employee injuries are generally not covered by tattoo and piercing insurance. You can get separate workers' compensation insurance to protect your business from employee injuries.
You will also need separate business interruption insurance if you want coverage for your business is interrupted because of natural disasters.
What to Look for in a Company that Offers Tattoo and Piercing Insurance
There are very few insurance companies that offer specialized tattoo and piercing insurance. You want to compare premium costs to ensure you’re getting the best rate. You also want to look for a company with experience in providing such insurance. With the right experience, they can offer the best premium rates that are customized to fit your business needs.
You also want to look for an insurance company that offers stable premiums and doesn’t increase the premiums significantly year after year. You don’t want an insurance company that increases your premiums by more than 5% every year even if you haven’t had made any claims. Many insurance companies even offer discounts if you haven’t made a single claim in previous years.
You also want an insurance company that offers bundled products at a discount. Rather than paying separately for the different insurance policies, you want to be able to pay one price for everything you need.
You should make sure that you're able to communicate with your insurance company at all times. Claims can arise at any time. You should be able to contact your insurer 24/7 in cases of emergency.
Typical Costs of Tattoo and Piercing Insurance
The typical cost of tattoo and piercing insurance varies depending on how much coverage you want. The average cost for tattoo and piercing insurance is around $1,000 with a $2 million coverage.
The cost depends on the number of employees you have and what services you offer. If you offer additional services like tattoo removal and permanent makeup, you could end up with higher premiums.
The size and age of your business also impact your cost. Your training and experience can make a difference in the total premiums you pay. The more training and years of experience you have, the better the premium rate you can get. As a young tattoo artist just starting out, there's a greater risk of mistakes and errors. Your premiums will reflect this.
The location of your business can increase your premiums, especially if you’re in a high-risk neighbourhood. If there's a higher crime rate, there's a greater risk of theft and vandalism. This can increase your premiums.
How to Save Money on Tattoo and Piercing Insurance
You can save money on tattoo and piercing insurance by shopping around. By comparing the rates offered by different companies, you can pick the premium that’s best for you.
You can also consider how much coverage you would like. Most companies offer tattoo and piercing coverage from $100,000 to $2 million. Choosing the right amount of coverage for your needs can reduce your premiums.
Increasing your deductibles can also reduce your premiums. These are amounts you have to pay out of pocket, so consider your options carefully.
Another way to save money is to make sure you're only getting coverage for the services you need, rather than all of the optional coverage.
Tattoo and piercing studios should consider getting insurance to protect their business. Tattoo and piercing insurance can protect you from simple slip and fall claims to more complicated communicable and infectious disease claims. They should also make sure to extend temporary coverage of the tattoo and piercing insurance to any guest artists.