What Coverages Are Available Through Tattoo Artist Insurance Policies?
There many different coverages that a tattoo artist insurance policy might offer, depending on its terms and conditions. Some of the more frequently available protections include:
- General Liability Coverage, which may cover a variety of common accidents, defamation lawsuits and false advertising suits
- Professional Liability Coverage, which may cover errors and mistakes made while tattooing customers
- Communicable Disease Liability Coverage, which may cover where a disease is spread during a tattooing
- Sexual Abuse Coverage, which may cover allegations which claim an employee acted improperly
- Permanent Makeup Coverage, which may cover services that offer permanent makeup solutions
- Commercial Property Coverage, which may cover most company-owned buildings, equipment and supplies on a company’s premises
- Signs and Glass Coverage, which may cover exterior signage, display cases, windows and other glass items
- Apprenticeship Program Coverage, which may cover apprentices who are learning to tattoo through a formal program
In addition to these, tattoo shops may also want commercial umbrella coverage. Commercial umbrella coverage is a secondary liability protection that usually helps shield businesses from a variety of especially expensive lawsuits.
Are Guest Artists Covered by Tattoo Artist Insurance?
Whether coverage for guests artists is included in a tattoo artist policy depends on the terms of that particular policy. Some policies offer this protection as an available feature, but not all do.
Tattoo shops that need this specific protection should speak with an agent who specializes in tattoo artist policies. A specialized agent will likely be able to help find a policy that does make this protection available.
Is Convention Work Covered by Tattoo Artist Policies?
As is the case with coverage for guest artists, coverage for convention work also varies. Some policies offer protection for claims that arise from off-site convention work, while others don’t.
An insurance agent who’s familiar with tattoo artist policies can help shops that need protection for convention work find a suitable policy.
Are Tattoo Artist Policies Expensive?
Premiums for tattoo artist policies are based on multiple different factors, and they vary as a result. Even with variance in cost, however, tattoo artist policies tend to be affordable. They’re certainly more affordable than what a major claim could cost if no coverage is in place.
How Can Tattoo Shops in Massachusetts Get Tattoo Shop Insurance?
For help insuring a tattoo shop that’s located in Massachusetts, contact the independent insurance agents at The Feingold Companies. Our agents have the freedom to request tattoo shop insurance quotes from multiple insurers in the state, and they have the expertise necessary to help you identify the best available policy. With our assistance, you can be confident that your tattoo shop is well protected.
