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Tattoo Shop Insurance, Tattoo Artist Insurance & More

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Whenever you run a business where you have people come through your doors, for instance when running a hair salon, a restaurant, a beauty center, or a tattoo studio, it’s a good idea to carry the right business insurance. If you have a solid policy with a reliable carrier, you won’t have to spend every day worrying whether you’ll get sued by a client when something goes wrong.

Unfortunately, if you are a self employed tattooist or if you run a tattoo business, it can be challenging to determine how much you can expect to pay for tattoo parlour insurance and whether or not you need tattoo artist insurance in the first place. In this tattoo business insurance guide, we’re going to look at the best, most useful and most common insurance for tattoo shops and businesses as well as take a look at the average tattoo shop insurance cost.

Cheap Business Insurance Near Me

Tattoo Liability Insurance

Liability insurance is one of the most common forms of insurance that is held by businesses because of the wide range of situations in which it can come into effect. For example, liability insurance can protect you in case one of your clients ends up getting injured while you’re working on them.

If one of your regulars ends up getting their tattoo infected after you work on them, they could make the argument that you were responsible for it. If you don’t want to have that looming over your head every time you work on one of your clients, having tattoo artist liability insurance is a good idea.

Along with bodily injury coverage, tattoo liability insurance will also protect you from property damage claims. If someone ends up damaging their phone or any other piece of property while they’re in your workplace, then your tattoo liability insurance policy will help cover any expenses that result.

One thing to consider is that there are several types of tattoo artist insurance policies within the domain of tattoo artist liability insurance, including both public and general liability. Since there is a risk of an employee, vendor or business owner getting injured at your business, general liability policies are much more recommended as it includes public liability yet covers your business from a wider spectrum of risks.

Tattoo Public Liability Insurance

Public liability tattoo business insurance policies tend to be much more affordable than general coverage because they only cover members of the public who come to your parlor, including your customers. Since your customers are the most likely source of lawsuits, public insurance is a good way to keep your business financially safe.

While general coverage might also protect your employees, you’re typically better off opting for a worker’s comp insurance policy if you want to ensure that your employees are covered. This is because your employees are more likely to seek lost wages than you are to be liable for their injuries or property damage.

However, in most cases public liability insurance is included within your general liability insurance and may cover you from broader risks such as claims from business partners, vendors, and the likes.

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Body Art Insurance

In many occasions, if you perform other kinds of body art, such as body piercings, etc. you might want to get body art insurance. Even though commercial tattoo insurance policies may also cover other forms of body art, including body piercings, you want to be sure that your policy covers everything that your business does. Mostly though, a self-employed tattooist insurance policy should have you covered, but be sure to confirm that the policy covers the kind of work that you’re doing.


Tattoo Shop Insurance Cost

Tattoo shop insurance cost is heavily dependent on the size of your tattooing business operation because of the increased risk that comes with a larger tattoo parlor or tattoo studio. For example, a larger business will have more clients that could potentially come after it for damages.

More clients means that the insurance company takes on a larger risk when they cover you, so this will naturally result in more expensive premiums. Aside from general liability coverage, other forms of commercial insurance will be more expensive for a larger tattoo parlor, including tattoo shop equipment insurance coverage.

Since a larger parlor will have more equipment and likely more expensive gear at its disposal, the cost of tattoo business insurance will increase. The same can be said for worker’s comp insurance policies, since a larger number of employees means that you may have to make up for more lost wages.

Insurance companies will even take a look at your history when considering you for a tattoo studio insurance policy. For example, if you have a history of your clients getting injured after working with you, you’ll certainly have to pay more for your coverage since the insurance company doesn’t have a solid track record that inspires trust.

While the average tattoo shop insurance cost is about $49 per month or $588 per year for a standard general liability insurance policy of $1m coverage, below are examples of tattoo shop insurance cost from two of the best tattoo business insurance providers.

CompanyCost per monthCost per year
Allen Financial$42$504
XINSURANCE$51$612

Tattoo Insurance Company Guide

Tattoo parlour insurance cost is also dependent on the tattoo insurance company that you intend to work with, since some carriers are more expensive than others. However, don’t just pick your carrier based on the cost, since you’ll also have to account for the quality of their service. To compare tattoo insurance quotes from the best tattoo shop insurance companies, be sure to click the 'Get Quotes' button below, complete the form and have the best providers compete on your business!

Below, we reviewed two of the best and cheapest tattoo shop insurance providers, for your convenience.

Allen Financial Tattoo Insurance

Allen Financial has been in operation since 1971, and they’re known for providing their clients with specialty coverage. For example, they cover recreation, entertainment, medi-spas, equestrian events, and tattoos, of course. The company also provides consulting and risk management services.

Allen Financial Policy Details

Allen Financial covers tattoo parlors under their tattoo and body piercing insurance policy. Some of the specifics of their tattooing policies include tattoo removal coverage, guest artist insurance, and coverage for combined tattoo and body piercing parlors.

Pros

  • Covers tattoo artists and body piercing

  • Affordable coverage

  • Also offers tattooing insurance for minors

Cons

  • Online presence could use some work

Average Cost: $42 per month

Best for: Businesses that need versatile coverage

Our Rating: 4.5/5

XINSURANCE Tattoo Insurance

XINSURANCE specializes in niche insurance that typically isn’t available from other carriers or coverage that is typically bundled into BOP policies from larger providers. Due to their deep specialization in the tattoo industry, they offer comprehensive coverage that you typically won’t get from their competitors.

XINSURANCE Policy Details

XINSURANCE protects tattoo businesses of countless different types, including individual contractors and parlors. They even provide insurance for mobile tattoo shops, including commercial auto insurance and liability coverage. Other add-ons include guest artist coverage and insurance for conventions.

Pros

  • Seven different types of liability coverage

  • Supports mobile tattoo parlors

  • Tattoo insurance for special events

Cons

  • Relatively pricey

Average Cost: $51 per month

Best for: Events

Our Rating: 4.5/5

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