Tattoo Insurance Explained – What type of cover does a Tattooist need?

Tattoo Insurance Explained – What type of cover does a Tattooist need?

Running a busy Tattoo studio and enjoying an income from your passion can be highly rewarding.  However, it’s important not to overlook some of the less glamorous tasks such as arranging appropriate Tattoo Insurance.

Due to the specialist nature of the tattoo industry, it is important to examine and understand all the specific risks and to arrange bespoke cover to meet your exacting needs.

The following is some of the key areas we typically recommend for tattoo artists and / or studios.

Tattoo Insurance Explained – Why Informed Consent is Vital

Tattoo Insurance Explained – Why Informed Consent is Vital

A critical part of the process for any professional tattooist is obtaining consent before undertaking any work for a client. 

Failure to correctly obtain AND document the necessary client consent accurately can leave you open to a potential challenge and a costly compensation or Professional Liability Insurance claim.

Consent is required for any tattoo or piercing - even the smallest, or simplest commission, could result in a potential claim should the client suffer a reaction and allege that they were not made aware of aftercare processes and the risk involved.

The basic premise of “consent” is that it allows a client to make an informed decision about the tattoo or piercing that he or she is about to undergo, and to become knowledgeable about any risks that could occur.  

 

Tattoo Insurance Explained – Copyright and Design Infringement

Tattoo Insurance Explained – Copyright and Design Infringement

All professional artists and tattooist’s designs are automatically protected by copyright law under the 1988 Copyright, Designs and Patents Act.  Copyright duly protects the integrity of your work and that of other artists against plagiarism or unauthorised reproduction. 


How Does Copyright Protect Your Work?

  • Copyright law is relatively straightforward, it protects firms or individuals from:
  • Copying your work
  • Distributing copies of it, either for sale or free of charge
  • Lending or renting copies of your work
  • Showing or displaying your work in public
  • Making an adaptation of your work
  • Placing it on the internet
  • Clients Often Provide Designs to Me – How Am I Impacted?

Insurance Tips - How Long Should I Retain Consent Forms?

Insurance Tips - How Long Should I Retain Consent Forms?

For any tattooist or tattoo studio, the client consent form is the first line of defence in the event of a claim for negligence or malpractice. Whilst the use of consent forms is now part of an artist’s everyday activity, we are often asked how long the forms should be retained and in what format. Whilst our tattoo insurance policy does not carry an onerous restriction, understanding best practice will mitigate risk and keep your reputation intact.

There is no legal stipulation in terms of the content of consent forms, or a specified length of time for which they should be retained. However, the Tattooing and Body Piercing Guidance Toolkit, recommends a minimum retention of three years. This toolkit was produced following input from Public Health England, the Tattoo and Piercing Industry Union (TPIU) and the Chartered Institute of Environmental Health.

Tattoo Insurance Tips – Best Practice The First Line of Defence

Tattoo Insurance Tips – Best Practice The First Line of Defence

At Tattoo Safe we insure thousands of tattoo artists across the UK and a key part of our role is advising our clients on risk management and best practice – not only to reduce the risk of potential claim, but also to assist us in defending your position.

Making Sure the Mud Doesn’t Stick!

Following effective hygiene processes and maintaining standards is very much business as usual for a professional tattoo artist – however, in today’s litigious society nothing can stop someone making an allegation of negligence or dissatisfaction against you.  BUT, by documenting your procedures carefully and being in a position where you can provide genuine evidence WILL help insurers to defend allegations rigorously where you believe you were not a fault.

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© Insync Insurance Solutions Ltd 2016 All rights reserved. Tattoo Safe is a trading style of Insync Insurance Solutions Ltd which is authorised & regulated by the Financial Conduct Authority. Our registered office is Midland House, 2 Poole Road, Bournemouth, Dorset BH2 5QY and we are registered in England under company number 08810662. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 | www.financial-ombudsman.org.uk | Terms of Business