when you decided to get a tattoo. You figured that it would add to your personality and fully encapsulate your character.
Not only is it consider it cool, but also it will help forge a new identity and make you a little more unique. The only problem is that you are very much skeptical of getting inked up and for a good reason. We have all seen the commercials of tattoo blunders like “No Regerts” instead of “No Regrets” and horrific stories of customers getting venereal diseases from unsafe needles.
That is why an educated business and customer are critical in avoiding these less than typical mistakes. In this article, I will show you the types of insurance tattoo businesses have so that you, the customer, can understand your risk. This article can also be of much value for future tattoo parlors who want to open up their very own business. This upcoming information is critical to protecting you and your assets in case your company finds itself in a less than ideal situation. In this article, we will show you the type of insurances available as a marine agency to those who are owners of parlors or who run tattooing businesses.
Under the malpractice category, the first insurance that we will discuss here is the Tattoo Artist Liability Insurance. This insurance is a form of professional liability insurance. It is designed to protect tattoo artists who make a mistake or injures the customer.
This insurance should be a must because we are human, and mistakes will happen. When making a mistake that physically distorts someone’s body, there is a high probability that you will face litigation. Owning this insurance guarantees that the liability is removed from you. Also, depending on your business practices, it would be wised to also extended and increase your insurance range that covers other places you work at, and that includes people who work for you.
This would mean coverage for guest artists, coverage for off-site work (like fairs and festivals), and coverage for those who work as independent contractors. Also, under the malpractice category, another insurance protection that is very similar to the Tattoo Artist Liability Insurance is the Body Piercer Liability Insurance. In the case that an artist happens to make a mistake or physically injures the customer, this insurance removes the liability from the artist. This insurance as a eqgroup is very beneficial to tattoo parlor businesses as it covers both legal and settlement costs that could arise from these accidents. This insurance, however, only covers body piercings but does include surface and genital piercings.
Whenever operating a business that is not your residence, it is always beneficial to carry property insurance. Property insurance protects your business from many unfortunate circumstances that come with running a parlor. Conditions such as fires, vandals, thieves, and unpredictable weather patterns are all good reasons to have your property insured.
Also, the most crucial aspect is that it protects your business from the loss of valuable equipment in the case of a robbery or burglary. Tattoo equipment can be costly, with many high-quality tattoo guns costing well over 1,000 dollars. The next one we will discuss is definitely worth the cost. With our economy becoming more and more online and digital-based, it is wise to have Data Breach Insurance that will be worth every penny. With all the debit and credit card transactions taking place every day at one single business alone, establishments are increasingly susceptible to breaches and hackers. This makes the Data Breach Insurance a must, and it will safeguard any parlor who happens to have a lawsuit against them regarding a breach of customer data.
Additional insurance coverages or what is known as “riders” may be of some benefit to you. Riders cover many of the activities that the primary insurances do not like communicable diseases, which can range from smallpox to AIDS, Sexual Abuse, which protects the establishment in the case of an allegation or lawsuit and the apprenticeship program insurance, which protects businesses from mistakes that could arise from newly hired or interning tattoo artist.
Last but not least, another insurance category that each and every tattoo parlor should have available is the Workers Compensation Insurance. Although businesses take precautions to prevent customer-related injuries, injuries can and have taken place among workers or employees.
Even though it is required by law to have worker’s compensation, in the situation that it is not needed, you should still invest in it as it can protect your business assets in the case of an on-site injury. Just like our first critical insurance to have, the Tattoo Artist Liability, this particular one also extends to independent contractors and guest artists who use your work-site.
Now that you know the various types of insurances available to you, it is time to get insured. There are several insurance websites that you can get a quote from, and many offer reasonable rates.
For the customer however you must understand your risk, and although you may be able to file a lawsuit in the case of an accident, many of the liability that would traditionally have been placed on the artist or the business may have been signed away when you filled out your application, so make sure that you understand your risk and your ability to sue in the case of an accident. It may take significant time and litigation.