Tattoo artists are often considered to be creative entrepreneurs, offering unique works of art to their clients. However, tattooing is a risky business and can be subject to legal action if something goes wrong.
Tattoo insurance is a specialized form of insurance that covers the risks associated with tattooing. The policy can protect the business owner and their tattoo artists in the event of a lawsuit or claim. It can also provide coverage for lost income and medical expenses if a customer is injured while getting a tattoo.
Who Needs Tattoo Insurance?
Any business that offers tattoo services needs to have tattoo insurance. This includes tattoo parlors, mobile tattoo studios, and freelance tattoo artists. The risks associated with tattooing can be very costly, so having the right insurance in place is important to protect your business.
Tattoo insurance can provide coverage for a variety of risks. This includes professional liability, property damage, product liability, and general liability. The policy can also provide coverage for lost income and medical expenses if a customer is injured while getting a tattoo.
Types of Tattoo Insurance
When it comes to tattoo insurance, there are several different types of coverage available. Professional liability coverage is the most important type of coverage for tattoo artists. This type of policy can provide protection for the artist in the event of a lawsuit or claim.
Property damage coverage can protect the business in the event of a fire or other disaster. Product liability coverage can provide protection for the business if a customer is injured due to a defective product. Finally, general liability coverage can protect from any accidents or injuries on the premises.
How Much Does Tattoo Insurance Cost?
The cost of tattoo insurance can vary depending on the type of coverage and the amount of coverage needed. The cost will also depend on the size of the business and the level of coverage desired.
Tattoo Insurance Requirements
Most insurance companies will require that businesses have certain levels of coverage in place before they provide a policy. This includes professional liability coverage, property damage coverage, product liability coverage, and general liability coverage. The insurance company may also require proof of licensure or a business plan before providing coverage.
Insurance Classification Of Tattoo Parlors
- SIC CODE: 7299 Miscellaneous Personal Services, NEC
- NAICS CODE: 812199 Other Personal Care Services
- ISO General Liability Code: 18570
- Suggested Workers Compensation Code: 9586
Tattoo Insurance – The Bottom Line
If you are a tattoo artist or business owner, it is important to make sure that you have the right coverage in place. Tattoo insurance can provide the protection you need in the event of a lawsuit or claim. With the right coverage in place, you can protect your tattoo business and ensure it is properly covered in the event of an accident or injury.