Liability Insurance For Tattoo Artists - The United States in 2022 is simply a land of lawsuits. It seems like an attorney is always ready to pursue a lawsuit, no matter how false the claims, and the results can be devastating for a small business owner. And while the tattoo industry was on the fringes of society and seemingly protected from these legal actions decades ago, these days it's unethical for an artist to do business without the protection of liability insurance. One of the problems facing artists who want to protect themselves is that most insurance agents have little understanding of how the tattoo industry works, let alone protecting them. Artists should protect themselves from lawsuits. Founded by people who understand the business inside and out, InkShopGuard provides tattoo artists and shops nationwide. We spoke with Nate Szana, who runs the company's day-to-day service operations, about how the company came to be and why insurance is absolutely essential for tattoo artists.
We provide liability and property insurance for the tattoo industry. We work with several insurance companies that help us cover artists, stores and their contents.
Liability Insurance For Tattoo Artists
It began as a passion project of our CEO, Sean Woodley. There are very few adequate insurance options in the tattoo industry and we want to help change that by offering a program tailored to the tattoo industry based on our experience. Sean and I had a problem with some people coming into the insurance industry with tattoos. So when Sean asked me to help him get this program off the ground, it felt like the perfect fit.
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Simply put, it protects you and your business. Even if you are not a shop owner and work as an artist in a shop, you still have the same legal obligations and liabilities as larger shops and businesses. You can sue for almost anything—a client's injuries, illnesses, or someone deciding they don't like your work. General liability insurance provides protection and helps cover legal fees and damages that result from litigation. These are just a few of the reasons we encourage tattoo artists to make sure they are properly covered. If you are a business owner or an independent contractor of any kind, you should have general liability insurance.
Our policies can cover slips and falls, accidental injuries to customers, property damage to customer belongings, advertising injuries - which can include things like defamation or defamation. There is professional services coverage that can handle things like communicating with clients and advising them about the tattoo itself, size or placement. We can guard against communicable diseases and illnesses. Although they are rare, they do happen and you can still be sued, even though most of the time it is because the customer did not exercise due care.
Many insurance companies see the business as more dangerous than it is. Therefore, fewer carriers offer coverage, or they don't offer the right coverage. Your typical insurer doesn't know about your business-related exposures, making the process more complicated and complicated.
By nature, tattoo artists are distrustful of structure, so how do you convey that insurance is something they should care about?
Tattoo Parlor Insurance Program For Artists
Trust or not, this will not prevent you from handling a complaint by any of your clients or anyone else. Even if you can successfully fight a lawsuit, it will be expensive, tens of thousands of dollars or more. Why pay out of pocket and spend your savings when you can pay a small fee to do it for you? Each artist manages his own business; There is risk in owning a business. Insurance is an easy way to reduce this risk.
Have you ever seen artists get sued for bad artwork? Does insurance help with this?
I personally have not seen a lawsuit suing anyone for bad artwork. This is usually because someone had an allergic reaction, an infection, a scar, a keloid, or something similar. However, in most cases there will be coverage if someone sues you because they were not satisfied with the work completed, or it did not live up to their expectations. Even if nothing comes of it, it will still be our duty to defend you against a lawsuit.
I want our program to grow. I hope InkshopGuard is compatible with all individual artist and shop insurances. We will change and adapt to the tattoo industry's insurance needs. As of 2018, there were over 20,000 tattoo parlors in the United States, generating over $3 billion in annual revenue. Many tattoo shops are independently owned by the artists themselves, but there are many artists on staff.
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Whether you're a freelancer, an owner, or just own a company and let others create artwork, it can be very rewarding and fun to have one or more tattoo artists.
To keep it fun, exciting and profitable, make sure you are protected with the right tattoo shop insurance. While there are many coverage options, general liability and professional liability are two of the most important policies you should have for your store. They are often combined into a single policy for accessibility and manageability.
Tattoo parlors tend to have a lot of foot traffic, which can make it dangerous to walk around the place the wrong way. Liability insurance can benefit your company by protecting it against a number of common accidents.
People can be physically harmed when they are in your store, for example. If a group of friends is drinking, they may enter your tattoo shop with the intention of getting new tattoos.
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However, given their shameful status, they may be more prone to misbehavior. If one of your guests gets in the chair and injures themselves, they will likely want your tattoo shop to pay for those injuries.
If the injury is minor, the medical payments section of your insurance policy can pay for basic care and keep the incident out of court. If the injury requires an emergency room or hospital stay, the insurance policy pays for those costs as well.
And if the victim decides to sue your tattoo shop for back pay, your professional liability policy will pay for legal fees, settlements or judgments, if applicable. This protection is useful even if you are not at fault.
Property damage is a similar benefit to general liability insurance for tattoo parlors. If a customer or a third party accuses your company of damaging personal property, they can sue you to repair or fix it. Maybe a customer's friend, for example, is waiting in your store and drops his cell phone on the floor. The phone may be broken by a worker accidentally stepping on it before it can be restored.
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This type of situation is one of many that can happen at any time. The benefit of general liability insurance for your tattoo parlor is that you don't have to pay out of pocket for repairs or replacements.
If you are sued, you won't have to close up shop and lose business to defend yourself.
Most tattoo shops rent or lease commercial space that they use to do business. However, one of the risks of renting a venue is that something might get damaged. A worker can overload a circuit and cause a costly power outage.
A customer or store visitor can block a bathroom toilet and cause flooding. When this type of property damage occurs, the landlord or owner expects your company to pay for it. This type of damage can be very expensive and some landlords will not let you rent a business space without providing proof of insurance.
Tattoo Artist Professional Liability Insurance
Your tattoo shop's liability policy includes business premises coverage that meets this requirement. This benefits the owner by ensuring that damages are covered should they occur. This will also benefit you as the store owner as you won't have to cover such costly issues out of pocket.
Sometimes, despite your best intentions, there is a problem with the product recommended or sold by your tattoo parlor. When products are recalled or found to be defective, your customers expect you to replace them or fix them in some way. This part of your liability insurance policy pays for these costs if they occur.
Professional liability – Similarly, there may be occasions when a client is not satisfied with the service provided to him. They may ask for a refund, ask you to remove a completed tattoo, or ask you to replace a previously completed job.
As you can see, professional liability insurance coverage is very beneficial for your tattoo shop. We always hope nothing goes wrong, but if something does, this policy will protect you, your company, and the assets you've worked so hard to protect.
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Frankie Stein is from Italy, but he lives in Ingolstadt, Germany. his hobby
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