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Tattoo Shop Insurance Massachusetts


What is Tattoo Shop Insurance?

Tattoo shops are inherently exposed to certain risks because of the services that the shops provide. Along with common risks that many businesses face, shops must consider what could happen if a mistake were made during a tattooing. Tattoo shop insurance policies help protect tattoo shops in Massachusetts from a variety of risks that they face.

Tattoo shop insurance policies are specialized commercial policies that have been tailored to meet the unique needs of tattoo shops. Most of these policies are package policies that come with multiple individual coverages, which allows them to provide a robust range of protections.

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What Massachusetts Businesses is Tattoo Artist Insurance Right For?

Broadly speaking, most Massachusetts businesses that offer tattooing services ought to carry tattoo artist insurance. This generally includes tattoo shops and parlors, as well as any individuals who provide tattoos on their own.

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Tattoo Shop Insurance Massachusetts

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.

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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.

Tattoo Shop Insurance Massachusetts

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.

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