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Tattoo artists and body piercers work in an exciting and creative industry, but the profession comes with unique risks, which is why having the right insurance coverage is crucial.

Whether working from a salon or studio, renting a chair or working mobile, there are some insurances a tattoo artist or body piercer should not be operating without.

Here are 6 key insurance policies that any tattoo artists or body piercers should learn more about in order to check their current insurance protection status:

 1.   Liability Insurance
The main reason to purchase liability insurance is in case the business get sued because a piercing or an ink goes wrong. And although we understand that this may be because a punter failed to follow the instructions given, in today’s world everything is someone else’s fault, so it’s important to have adequate insurance to cover the business in case someone tries to sue for a treatment provided. This circumstance could be covered under a Public Liability, Medical Malpractice or Professional Indemnity insurance policy. It doesn’t really matter what it’s called as long as it covers the treatment risk!

2. Property Insurance
A tattoo shop or piercing studio contains expensive equipment, including tattoo machines, needles, sterilisation tools and furniture. Property insurance covers loss or damage due to fire, theft, vandalism or natural disasters.

3. Employers Liability Insurance
If a tattoo or piercing studio employs staff or (labour only) subcontractors, then Employers Liability insurance is required by law to cover the health and safety of employees, and protect a business against compensation and legal costs.

4. Business Interruption Insurance
If a piercing or tattoo studio needs to unexpectedly close due to an event outside the business’s control, such as a fire or flood, business interruption insurance can help cover lost income, allowing the business to stay financially stable whilst the situation gets remedied.

5. Legal Expenses Insurance
Legal disputes are being increasingly common. The dispute could be with a landlord, HMRC or the HSE, to name three examples – but the fact remains that legal advice can be really expensive. That’s why it makes sense to buy legal expenses insurance, as a legal expenses insurance policy isn’t that expensive if it is purchased before it’s needed.

6. Personal Accident Insurance
As a tattoo artist or body piercer, the ability to work with your hands is crucial. That’s why it’s important to have personal accident insurance, as an injury such as a broken arm could prevent a tattooist or piercer from working, which would then prevent them from earning.  As a self-employed professional, there will still be bills to pay even when you’re not in good health, which is why it’s crucial to have some income protection in the event of accidental incapacity.

Investing in comprehensive insurance coverage not only safeguards a business, but also boosts professional creditability and provides peace of mind for the business owner and clients.

Prizm Solutions has insured many clients in the health and beauty industry, so we really understand what insurances businesses in this sector need, and can help you source the right policy for your personal business. 

Whilst there’s not one all-encompassing policy to cover tattoo and piercing businesses, the friendly team at Prizm Solutions will find out about your business in order to understand what you need, then recommend the best policy to suit your requirements.  That’s the benefit of Prizm being independent, and not tied to any one provider.  

Contact us today to find out more about the Tattoo and Piercing Insurance solutions we can offer.