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6 Essential Types of Tattoo Insurance Tattooists Should Have

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tattoo insuranceOperating a tattoo parlour and earning money from something you are passionate to do can be extreme fun. However, there are some aspects of the business you should consider that can be less fun yet extremely important one of which is tattoo insurance.

Because of the specialist nature of the tattoo industry, it’s essential to study and understand all the particular risks and get bespoke cover to fulfill your particular requirements.

Following are some of the key aspects of tattoo insurance that are recommended for tattoo artists and/or parlours to consider.

1. Professional Liability

It’s the duty of a tattoo artist to take care of her/his clients for their safety and quality of work. If a client feels that you are being negligent or making a mistake, s/he has a right to file a legal suit for compensation.

In such a case, Tattooists Professional Liability Insurance offers indemnity against negligence (or the allegation of negligence) filed against you or your business. For example, a client can accuse you for making a spelling mistake in a Japanese word he wants as a tattoo or can demand a compensation for the general quality of your work. In that case, your professional liability insurance can defend you.

2. Treatment Risk Indemnity

If a client files a complaint against you for injury or illness as a direct outcome of the tattoo you made on him, e.g. an infection following an application of a tattoo, treatment risk offers you indemnity.

Treatment cover is extremely important for a tattoo artist; so, it’s recommended to check your policy carefully to make sure it is included in it.

Also, it is essential to consider a sufficient limit of protection for treatment risk exposures. Expenses on medical treatment can be huge and so, you are advised to choose maximum cover possible for you.

While some specialist insurance providers provide Treatment Risk Indemnity included in a standard professional liability policy, a basic liability or shop policy is quite unlikely to include treatment cover and your business may remain exposed.

3. Public Liability

Public liability policy offers you a cover against damage or injury to property due to the actions of you or your employees. For example, your client trips over a loose carpet tile or mat and breaks his knee. Here it’s important to understand that this will usually exclude claims out of the tattoo application, and so, you need treatment indemnity.

4. Employers Liability

If you have employees, even part time employees, you are needed by law to buy Employers Liability Insurance as per the Employers Liability (Compulsory Insurance) Act 1969.

This offers cover for your legal liabilities after injury to any of your employees while they are working for you and doing something for which you could be held liable legally. For example, if any of your employees gets an electric shock from a loose wire, you are legally liable for the injury.

5. Design and/or Copyright Infringement

Third parties may claim plagiarism of their work with the tattoo you’ve done. This can normally happen when clients bring their own tattoo ideas of trendy tattoo trends and the design is not your own. It’s advisable to check if the design provided by the client is original before you start your work.

6. Equipment Insurance

It’s needless to mention how costly tattoo equipment can be. So, it’s important to ensure you have sufficient cover against theft, fire, flood or any such risks.

If you consider all these aspects and get enough protection, you can happily continue with the work you are passionate about.

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