Tattoo Shop Insurance

The right tattoo shop insurance is vital for a business specializing in tattoos and piercings. As a tattoo shop owner, you don’t control every aspect of the company regarding risk. Of course, as a business owner, you do your best to mitigate risk because you run a professional shop where people feel comfortable getting the ink done. However, some things can happen that are out of your control. 

Things like someone tripping and falling in your shop, and getting hurt, as a result, can happen. Employees may get injured on the job, resulting in a workers’ compensation claim. You’re responsible for medical bills or property damage when an accident happens. If an employee is involved, you may also have to pay lost wages. That’s a lot of responsibility on you for accidents which can lead to financial troubles if you don’t have insurance. 

Tattoo and piercing business insurance is not one insurance policy; it is a combination of policies that protect your shop from different types of risks. Your business may need one or more policies to be appropriately covered, which is why it is crucial to understand each type of policy. The types of policies include general liability, property insurance, and workers’ compensation, to name a few. 

General Liability

Check with your state licensing board to see if they require general liability insurance for business. If your state doesn’t require it, your landlord might as part of the lease terms. Either way, general liability insurance is the first line of defense against the most common types of claims, such as “slip and fall” accidents. 

Tattoo shop general liability insurance provides protection for injuries or damaged property in third-party accidents. That means that if someone is walking the shop, maybe after having a few too many tequilas to get the nerve to get their first tattoo, and they fall onto the floor and hit their head, you may be liable for their injuries. General liability insurance would pay those medical bills and any legal costs associated with the claim. 

So even though you do your best to make sure customers don’t get hurt while in your shop, you can’t avoid every accident, and unfortunately, the liability stops with you. Fortunately, a general liability policy starts at just $59 per month, making it an affordable policy to reap the protection. 

Professional Liability 

Tattoo shop professional liability insurance is very important for tattoo shops. There are health and safety risks that exist in the work you do. Plus, tattoos are permanent, and you never know when someone will file a lawsuit against you for professional negligence, even if you did nothing wrong. That’s right; anyone can file a lawsuit at any time, even if the lawsuit is frivolous, leading you to have to defend yourself in court. Legal costs alone could bankrupt a small shop.

But some real professional risks come with running a tattoo shop. Imagine that you give someone a tattoo, but your assistant didn’t sterilize the equipment properly, and they get ill from it. You are liable for the medical bills and other damages they seek because maybe they couldn’t go to work as a result. Tattoo shop professional liability insurance would cover not just the cost of the medical bills and damages, but would also pay your legal defense in the case.

Workers’ Compensation Insurance

Most states require workers’ compensation insurance for employers with at least one part-time employee. This insurance pays for the medical bills and lost wages of an employee who gets hurt performing job duties

There are lots of injuries that can happen to employees. They may hurt their back while picking up a box of supplies, or they could get a puncture wound while cleaning equipment and get sick. When employees need medical attention for something that happened on the job, you are responsible for this. Fortunately, tattoo shop workers’ compensation pays for these losses so that you don’t have to foot the bill out of pocket.

Commercial Property Coverage

Some accidents, such as a fire, could lead to the loss of business property. Losing property might not result from an accident. If vandals or thieves hit your shop, you could lose thousands of dollars worth of equipment and supplies. If you have commercial property insurance, your policy will pay to replace these items less your deductible. So in the case of a fire, you could rebuild and restock the shop after only paying a small deductible. 

Most lease agreements require property coverage because they want their property to be covered. Check with your landlord to see if you need to provide them with proof of insurance showing that you have adequate tattoo shop commercial property coverage. 

Excess Liability

Tattoo shop excess liability insurance is a policy that adds liability coverage to the underlying general liability policy. For example, imagine that you have $1 million in general liability insurance coverage, and someone falls and becomes permanently disabled from the fall leading to a settlement of $1.5 million. Your general liability only covers the first $1 million. The rest is on you unless you have an excess liability policy that will pay the difference. These policies allow you to expand coverage for a low cost.

Tattoo Shop Insurance Cost

Tattoo and piercing business insurance costs vary widely. The factors that affect your premium include: 

  • The types of policy(ies) purchased 
  • The amount of coverage needed 
  • Your location
  • Your industry
  • Total annual revenues 
  • Claims history 

Most general liability insurance policies start at $59 per month for $1 million in coverage to give you a baseline of costs. Considering the total potential loss, this is a small price to pay for such broad coverage. 

Tattoo Shop Insurance Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

How To Get Tattoo Shop Insurance

There isn’t much fuss with getting tattoo shop insurance as long as you’re working with an agent that understands and insures your business type. Some carriers may find the risk of a tattoo shop too much and choose not to insure them. Don’t worry; we have plenty of options for you to get adequately insured. 

The process is simple. The agent will ask you a series of questions to get to know your business. He will use that data to generate a quote. You can increase or decrease coverage to see how that will affect your premium. Then, all you need to do is pull the trigger by agreeing to the terms and paying the initial premium. 

Be sure to ask your agent about any discounts that you might be eligible for, such as a discount for having a security system in place. 

Why Do Tattoo Shops Need Insurance?

Tattoo shop owners can not control all the risks that their shops face. People can slip and fall and have an accident in the shop and get hurt, or there could be a professional liability that you must face. It’s important to have the right insurance to cover each type of risk. 

What Are The Risks Facing Tattoo Shop Owners?

Tattoo and piercing business insurance protects against risk, but what risks does a shop face? Risks include people slipping and falling, getting hurt on tools or equipment, or having someone get sick because of tainted supplies or equipment.  

Is Insurance Required For Tattoo Shops?

State licensing bodies or your landlord may require you to buy insurance. Check with the appropriate entities to see what, if any, they want you to buy. If you have employees, you likely need workers’ compensation. Even if they don't require you to get insurance, consider getting a policy to protect against liability claims. 

Tattoo Shop Insurance In California

Given the nature of tattooing businesses and potential liabilities associated with them, insurance is highly recommended. Furthermore, some local municipalities or counties may have specific insurance requirements.

That said, certain types of insurance are generally recommended (and sometimes required) for tattoo businesses in California:

  1. General Liability Insurance: While it might not be a state-mandated requirement, having general liability insurance is crucial for any business. This provides coverage in the event a customer gets hurt on your premises or if there's any damage to a customer's property.

  2. Professional Liability Insurance (Malpractice Insurance): Given that tattooing involves risks, professional liability insurance can protect the tattoo artist in case a client believes the service was done negligently or if complications arise post-tattoo.

  3. Protecting Assets in Your Business: Property insurance protects the assets that make up your business, such as equipment, furnishings and the physical building (if owned).

  4. Workers' Comp: Employing employees in California legally mandates workers' comp coverage. This protects medical costs and some lost wages for any injured employees on the job site.

  5. Business Interruption: While not mandatory, having business interruption coverage can protect against lost income should something cause your shop to close temporarily.

Landlords and commercial property managers frequently require tattoo shops renting space from them to carry certain forms of insurance as part of the lease agreement. When renting shop space, check your lease agreement carefully for any stipulations regarding insurance requirements.

Tattoo shops in California must also abide by the Safe Body Art Act, which regulates tattooing, body piercing and other forms of body art. This act specifies requirements such as facility cleanliness and client informed consent as well as making sure tattoo artists receive adequate training as well as vaccination against certain diseases.


Tattoo Shop Insurance In Arizona

The state of Arizona does not necessarily dictate exact insurance requirements for tattoo shops.

Local Regulations: Individual municipalities or counties within Arizona may impose their own unique insurance requirements or additional regulations, so it's crucial that residents check in with local governing bodies in order to remain compliant.

Lease Agreements: When renting commercial space, landlords typically outline insurance requirements in lease agreements. Make sure you read through any contracts carefully.

Health and Safety: While not directly related to insurance policies, tattoo shops in Arizona must comply with specific health and safety regulations. Doing so not only protects them from potential fines but also decreases incidents which could result in insurance claims.

Consulting a business insurance specialist knowledgeable of the tattoo industry can be very useful.

Tattoo Shop Insurance Claims Scenarios In New York

As the owner or operator of a tattoo shop in New York or anywhere else, you must prepare yourself for potential risks that could occur and any resulting insurance claims.
Here are several instances when filing claims may become necessary:

Property Damage: Scenario: An electrical short causes fire in a studio, leading to substantial equipment destruction as well as interior damages in the shop. 
Insurance Implications: If the shop owns its space and holds property insurance or business owner policies, filing claims could get compensation for equipment, furnishings and possibly structure repairs incurred as a result of damages sustained to these assets.

Liability Claims: Scenario: An individual claims they contracted an infection after getting tattooed at your shop.
Insurance Implication: General Liability Insurance could play an essential part here; should a client sue for medical expenses or damages, their general liability policy might cover legal fees as well as settlement or judgment expenses up to its policy limit.

Professional Liability: Scenario: Supposing one of your tattoo artists made an irreparable error on one of their client's tattoos or they weren't happy with the final result, with claims it wasn't what was requested, professional liability could become an issue in that situation.
Insurance Implication: Professional liability coverage could protect the shop should one of your clients file suit over any services you provided them with.

Workers' Comp: Scenario: One of your tattoo artists slips and breaks their arm while working at your shop, prompting an insurance claim against workers' comp. Workers' comp will likely cover medical bills as well as some lost income while recovering, potentially disrupting business. In terms of business disruption: Workers' comp covers medical bills.

Lost Income: Scenario: Due to extensive water damage from a burst pipe, repairs require closing your shop for at least one month for repairs and business interruption insurance can help compensate you for lost income during that period of time.

Employee Dishonesty: Scenario: An employee was caught taking money out of the register over time. With employee dishonesty coverage in effect, this might prompt a claim being filed to recover some or all of what had been stolen funds.

Data Breach: Scenario: Your shop's computer system has been compromised, exposing client personal data.
Insurance Implication: With cyber liability coverage available through your shop's policy provider, costs associated with breach such as client notification services, credit monitoring fees and legal expenses could be covered as a result of breach. Your insurance provider and policy will dictate when and how you can file a claim; to get an understanding of its coverage.

Be sure to read your policy thoroughly and seek professional guidance in understanding its extent.

Tattoo Shop Insurance In Washington

Tattoo shops in Washington may face several liabilities related to bodily injuries in certain jurisdictions, similar to businesses offering personal services. Below are a few potential liabilities:

Negligence: If a tattoo artist or shop in Washington fails to adhere to certain standards of care in its services or environment and one of their clients becomes injured as a result, they could be held liable. This may involve anything from using non-sterile equipment that causes infections outbreaks to mistakes during tattooing processes being committed on clients who could lead to infection outbreaks occurring as a result.

Tattoo Shops in Washington need to train their staff thoroughly on best practices and safety procedures. Regularly inspect and maintain equipment. Utilize waivers/consent forms to inform customers about potential risks; and secure adequate liability insurance in case claims arise.

Insurance: In Washington, insurance is essential for a tattoo studio to protect and maintain its business. Tattooing is a risky business. It can cause allergic reactions, unsatisfactory results or even infection. Tattoo shop insurance protects artists and business owners from these liabilities. It also helps them avoid expensive legal fees and compensation claims. Property insurance is also important to protect against damage from unforeseeable events such as fires, thefts or natural disasters. In the end, insurance offers shop owners peace of mind, but it also strengthens customer trust by demonstrating the business's dedication to professionalism and safety.

Tattoo Shop Liability In Colorado

Consent Issues: Tattooing someone without their express and informed permission may incur both criminal and civil consequences; in certain states like Colorado, such as tattooing a minor without parental approval may even carry additional legal repercussions.

Allergic Reactions: Even when tattoo shops follow all procedures correctly, allergic reactions could still arise when using ink or products used during tattooing. While not the cause directly, such reactions could occur without warning being provided and refusal to ask about allergies prior to starting tattoo work on someone. Legal issues could still present themselves if this happened without warning being provided and inquiries had taken place beforehand as to if there are any allergens present prior to commencing work on someone's tattoo process.

Unauthorized Reproductions: Tattoo shops that reproduce copyrighted or trademarked designs without authorization risk being sued for copyright and trademark infringement - even though it doesn't cause physical harm in its usual sense; nevertheless it could have legal ramifications with long-term implications for tattoo shops.

Tattoo Shop Insurance In Oregon

The rich culture of Oregon is reflected in the popularity of tattoo shops. Both locals and tourists are drawn to body art. Here are some general facts about Oregon tattoo shops:

  1. Regulations & Licensing In Oregon, tattooists are required to have a license. The Health Licensing Office supervises tattooing licensing and ensures artists meet safety and training standards.

  2. Popular Areas Portland, Oregon's biggest city, has many tattoo shops due to its vibrant alternative culture and arts scene. You can find tattoo shops all over the state from Eugene to Bend, Ashland, and beyond.

  3. Styles and Specialties : Due to the diversity of Oregonians, you will find tattoos in a variety of styles, including traditional American, Japanese, geometric, realism and more.

  4. Hygiene Standards Any tattoo shop that is reputable in Oregon will place cleanliness and safety as a priority. It is important to use disposable gloves and sterilized equipment.

  5. Consultations Most tattoo shops offer consultations where you can discuss with the artist your desired design, pricing and placement.

Importance Of Having Tattoo Shop Insurance In Florida

Tattoo shop insurance in Florida is essential due to the unique challenges presented by Florida's regulatory and climate environment. Natural events like hurricanes and flooding can threaten the physical assets of businesses, including tattoo parlors. Tattoo Shop Insurance protects against damage to shop interiors and equipment. It also covers other essential property for the operation. Tattooing is intimate, and there are many potential liability claims. These can range from unsatisfied clients to unexpected skin reactions. The right insurance protects your business from these claims, but it also shows that you care about the well-being of clients and the professionalism of your shop.

Tattoo Shop Insurance In Pennsylvania 

Pennsylvania, with its rich heritage and traditions, serves as an epicenter for tattoo art and tattoo shop culture. Tattoo shops span from Philadelphia's bustling streets to Lancaster's quiet lanes as hubs of creativity and personal storytelling; knowing its unique intricacies as well as its potential risks makes Tattoo Shop Insurance Pennsylvania an essential safeguard to meet its distinct industry requirements.

Investing in Tattoo Shop Insurance In Pennsylvania is much like a tattoo artist selecting premium inks and equipment, it represents dedication to quality and a commitment to safeguarding one's craft. Consider a tattoo artist working on a detailed piece in Pittsburgh or a shop hosting a renowned guest artist in Scranton. Unexpected challenges, such as equipment malfunctions, customer complaints, or accidental injuries, might arise. That's when this specialized insurance proves invaluable, tackling unforeseen liabilities and ensuring business continuity without hitches.

Tattoo Shop Insurance In Ohio

Tattoo Shop Insurance is an important part of protecting tattoo studios and artists in Ohio. Due to the complexity of the tattoo business, even a slight mistake can result in a substantial liability claim, or lead to customer dissatisfaction. Having adequate insurance is therefore essential. Beyond the challenges that Ohio businesses face such as weather-related property damage, tattoo shops also require specialized coverage for legal actions, equipment damage and even health claims from customers. Tattoo Shop Insurance allows these specialized businesses to work with confidence. It protects their financial assets, as well their reputation.

Tattoo Shop Insurance In Illinois 

While the importance of Illinois business insurance is widely recognized, this serves as a reminder of the unique challenges different industries must overcome. Consider Tattoo Shop Insurance available in Illinois as an example. This type of insurance demonstrates the significance of tailoring coverage specifically to companies operating within niche industries. Businesses in Illinois must ensure their policy covers any risks specific to them or their region. Tattoo parlors in Illinois require coverage against potential liabilities such as skin reactions or claims regarding unsatisfactory workmanship, underscoring how comprehensive insurance policies are integral to maintaining business longevity and reputation in any location or industry.