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Insurance is important for any business, but especially if the enterprise you run involves piercing and tattoos.
Whether you’re an independent artist, or run a busy tattoo shop or piercing parlour, business insurance protects your reputation, your finances and your future.
Like with any other business, you should have some core insurances in place. If you need to know more information about any of the insurances listed below, just contact Prizm Solutions. We’ll be happy to spend some time with you to help you work out what you need, based on the bespoke details of your business.
As you’re a business that welcomes in members of the general public, then Public Liability Insurance is important, to cover you if a client, supplier or visitor suffers an injury or damage to their property whilst on your premises.
If you employ staff, Employers’ Liability Insurance is a legal requirement to safeguard you if an employee becomes ill or injured at work.
Professional Indemnity Insurance adds another layer of protection if a client claims that your professional advice or treatment caused harm or loss. In today’s society, a simple misunderstanding or unexpected reaction can quickly turn into a costly legal claim. Having comprehensive insurance ensures that if an issue arises, you’re not left facing the financial and emotional burden alone, as your insurer can handle the legal process and help cover any associated costs.
You should also have Contents and Equipment Insurance to cover tattoo machines, piercing tools and sterilisation equipment against theft or damage.
Then there are the more specialist insurances due to the services you offer, as you work directly on the skin. Treatment Risk Insurance protects against claims from allergic reactions, infections or scarring, which are issues that are often excluded from standard liability policies.
It’s also worth noting that some treatments may be uninsurable, particularly experimental techniques, advanced body modifications or procedures outside standard tattooing and piercing practices. Speaking with a specialist insurance professional, like one of the team at Prizm Solutions can help you understand these limitations and decide which services to offer safely and legally.
For extra security, consider Business Interruption Insurance to cover loss of income if your studio has to close temporarily.
And if you’re self-employed, Personal Accident Insurance is worth looking at too.
In an industry built on trust, hygiene and artistry, the right insurance is more than a safety net. It’s a key part of running a responsible, professional studio.
