Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
Whenever you run a business where you have people come through your doors; it’s a good idea to carry the right business insurance. Whether you’re a self-employed tattooist or a tattoo shop owner, having business insurance for tattoo artists is vital So, what are the policies to choose for your tattoo insurance? Here’s a guide that will help.
Why Get Tattoo Shop Insurance and Tattoo Artist Insurance?
The Bureau of Labor Statistics estimates the median income of tattoo artists is $23.62 an hour or $49,120 a year.
Just like any other profession out there, it comes with risks. These risks are:
- Accidents that might cause personal injuries or property damage to clients
- Negligence and errors resulting in economic or financial loss to the client
- Damage to commercial property
- Accidents the commercial vehicle causes
Tattoo shop liability insurance
Business insurance for tattoo artists is the first kind of insurance that tattoo artists and tattoo shops need. There are several types. The most common ones included in tattoo artist insurance and tattoo shop insurance are:
- General liability insurance
- Professional liability insurance
- Public liability insurance
general liability insurance for tattoo shops
General liability coverage in tattoo artist liability insurance compensates if the tattoo artist or tattoo shop/studio is accused of causing injuries or property damage to the client.
There are a lot of hazardous equipment and substances used in tattoo service. Examples are inks, needles, razors, and tattoo machines. Spilled ink if not removed immediately from the floor can cause the guest to slip and fall or stain their belongings. Needles and razors can cause cuts and lacerations. Finally, tattoo machines have cords that, if not kept well, will cause the client to trip.
Business insurance for tattoo shop or parlour will take care of property damage and personal injury claims from a client,or any other third parties.
In practice, this type of tattoo parlor insurance will pay for attorney fees, other legal costs, and compensation if the claimant wins the legal battle.
Professional Liability Insurance for Tattooists and Tattoo Shops
Tattoo artists and tattoo studios all follow health protocols to avoid causing permanent injuries to their clients.clients might file a claim if the tattoo or tattoo shop commits the following:
- Failure to use clip cord/sleeve for the tattoo machine
- Failure to store tattoo equipment neatly and properly
- Failure to change gloves or wear gloves while working
- Reusing needles or cartridges
- Failure to sterilize tattoo equipment
Professional liability insurance in tattoo business insurance provides protection from any professional negligence lawsuit against a tattoo artist or tattoo shop. It provides $1 million up to $2 million so that the policyholder can pay for legal costs, attorney fees, and compensation for damages.
Tattoo Public Liability Insurance
It is a policy that offers protection against customers, vendors, and other third parties filing a personal injury claim or property damage claim. Yes, in a way, general liability insurance and public liability insurance are the same. But still, you need to know that:
- General liability insurance includes the language of public liability insurance
- General liability insurance can take care of advertising injury claims or reputational harm claims public liability insurance can’t
- General liability insurance comes with a rented premises liability coverage whereas public liability insurance doesn’t have this
To put it simply, the main difference between general liability insurance and public liability insurance is that the former is more comprehensive while the latter is very limited in its scope.
Compare Cheap Commercial Tattoo Insurance Quotes Online
Get all the best quotes from leading providers in a click of a button!
Commercial Property Insurance for Tattoo Studios
The primary function of commercial property insurance is to cover the commercial building of the tattoo studio. It will:
- Compensates the losses of the policyholder if fire or extreme weather totally destroys the commercial building.
- Compensate losses of the policyholder if fire, extreme weather, vandalism, theft, and other covered risks caused damage to the commercial building.
Business equipment and tools coverage’s function is to reimburse losses when tools and equipment used in tattoo service become lost or damaged due to theft, fire, vandalism, and other covered perils. Common tools and equipment covered are:
- Tattoo beds or reclining chairs
- Tattoo machines
- Tattoo scanner and design computer
- Tattoo lighting systems/kits
Commercial Auto Insurance for Mobile Tattoo Artists and Tattoo Studios
Commercial auto insurance covers exposures associated with using a vehicle for commercial purposes. It offers the following protection:
- Auto liability coverage
- Physical damage coverage
- Emergency roadside assistance
A tattoo artist’s or tattoo studio’s commercial vehicle might cause an accident on the road. In connection, the function of auto liability coverage in commercial auto insurance is to cover the medical expenses of injured third parties. This will also compensate the losses of individuals whose property incurred damage due to the accident.
Physical damage coverage has two forms – collision and comprehensive. Collision physical damage coverage will take care of parts repair or replacement if the commercial vehicle got damaged because it collided with an object or another vehicle while running.
As for the second type – comprehensive physical damage coverage – compensates in the situation of repair or replacement if fire, theft, vandalism, and other covered risks damaged the commercial vehicle.
Workers Compensation Insurance and Disability Insurance for Tattoo Artists
Tattoo artists can get worker’s comp insurance for themselves so that they’ll have a policy that provides coverage for the treatment of hand injuries and lost income compensation.
Tattoo shops can get worker’s compensation insurance as soon as one or more individuals are hired. Failure to get workers compensation insurance is punishable by law.
One thing to note though is that workers comp will only apply if a work-related injury impaired the hands..
Workers comp insurance and disability insurance are almost the same in the sense that:
- Both have an elimination period, which is the length of time the policyholder has to wait before receiving money through insurance
- Provides money based on the policyholder’s income
- Helps to pay for hospitalization and other medical expenses
Rank and Review Insurance Companies
Help others make better decisions
Show more
Tattoo Shop Insurance Cost
- The average cost of tattoo shop insurance is $35.92 a month or $431.04 a year and gives the policyholder $1 million general liability coverage
- Professional liability insurance for tattoo shops and artists starts at $28.67 a month or $344.04 a year
- Public liability insurance for tattoo shops and artists is $30 a month or $360 a year
For further reference, here are the specific rates of the best tattoo shop insurance companies:
| Company | Cost per month | Cost per year |
| CoverWallet | $34 | $408 |
| Thimble | $42 | $504 |
| Allen Financial Group | $45 | $540 |
Best Tattoo Insurance Companies
CoverWallet
CoverWallet is an insurance broker offering tattoo studio insurance and tattoo artist insurance. Getting a quote is easy. All you have to do is provide basic information about your line of work and insurance quotes will be provided within minutes.
Pros
- Has an online quotes generator that customers can use to find accredited carriers that offer tattoo insurance, which are the partners of CoverWallet
- Online policy management and certificate of insurance through the MyCoverWallet app
- Get tattoo artist and tattoo parlor insurance quotes in within minutes
- Has a live chat system for customers
Cons
- Not a tattoo insurance carrier but more of an online quote comparison platform that offers the products of its partners to customers
Average cost:$34 per month
Ratings:
Compare Cheap Commercial Tattoo Insurance Quotes Online
Get all the best quotes from leading providers in a click of a button!
Thimble
Thimble offers insurance for henna tattoo artists. Its tailored insurance only offers general liability coverage with a $1 million – $2 million policy limit.
This company is perfect for Henna tattoo artists who only work part-time or during events. So why is this? This company’s henna tattoo insurance is available as an on-demand and short-term insurance plan.
Pros
Offers short-term tattoo artist insurance that lasts for an hour, a day, or a month
- Insures tattoo artists within minutes
- Allows the policyholder to get an online certificate of insurance
Cons
- Only offers general liability coverage for tattoo artists
- Only insures Henna tattoo artists
Average cost:$42 per month
Ratings:9/10
Allen Financial Group
Allen Financial Group’s tattoo insurance is available for tattoo students, traveling tattoo artists, mobile tattoo studios, and more. In addition, there are also specially underwritten insurance products such as minor tattooing insurance, guest artist insurance, and tattoo apprenticeship program insurance.
Pro
- Insures tattoo shops, traveling tattoo artists, tattoo apprentices, guest tattoo artists, mobile tattoo studios, etc.
- Has a lot of tattoo insurance programs
- Tattoo insurance has a $2 million aggregate limit and a per-occurrence limit of $1 million
Cons
- Non-profit tattoo organizations might not qualify for Allen Financial Group’s tattoo insurance
Average cost:$45 per month
rating:7/10
