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.
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.
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:
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.
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.
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.
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.
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.